Fetching Consents

Overview

When an Account-on-File consent is authorised, the consent object is enriched with the Account Holder Name and IBAN of the linked bank account. This lets you verify the identity of the end user who authorised the consent.

The GET/consents/v1/{consent_id} and the GET/consents/v1 endpoints now return these data points directly, so you don't need a separate data call or manual verification step.

Both the Retrieve Consent and List Consents endpoints include an account object on authorised consents containing the Account Holder Name and IBAN as provided by the bank.

Common use cases

• Identity verification — Confirm the Account Holder Name matches the end user's name in your system before allowing payments.
• IBAN verification — Validate the linked IBAN against a known or expected account number.
• Fraud prevention — If the account holder name or IBAN does not match the expected end user, revoke the consent to block payments before they occur.
• Compliance and record-keeping — Store the verified IBAN and account holder name for audit and reconciliation purposes.

How it works

GET/consents/v1/{consent_id} example request

curl --request GET \
     --url https://sandbox.leantech.me/consents/v1/consent_id \
     --header 'accept: application/json'

GET/consents/v1/{consent_id} example 200 response

{
  "consent_id": "123e4567-e89b-12d3-a456-426655440000",
  "bank_identifier": "ADCB_UAE",
  "application_id": "app_7f8d9e0a1b2c3d4e",
  "start_date_time": "2025-03-09T10:00:00Z",
  "expiration_date_time": "2026-03-09T10:00:00Z",
  "customer_id": "c9876543-21fe-dcba-9876-543210fedcba",
  "status": "AWAITING_AUTHORISATION",
  "destination_account_id": "c9876543-21fe-dcba-9876-543210fedcb1",
  "reference": "MONTHLY-SUBSCRIPTION-2025",
  "consented_account": {
    "iban": "AE070331234567890123456",
    "holder_name": "John Doe"
  },
  "currency": "AED",
  "payment_purpose": {
    "code": "FIS",
    "description": "Financial services"
  },
  "control_parameters": {
    "type": "VariableOnDemand",
    "period_type": "Week",
    "maximum_individual_amount": 1000,
    "periodic_limits": [
      {
        "period_type": "MONTH",
        "period_alignment": "CONSENT",
        "maximum_amount": 5000,
        "maximum_number_of_payments": 10
      }
    ]
  },
  "payment_consumption": {
    "cumulative_number_of_payments": 3,
    "cumulative_value_of_payments": 2500,
    "cumulative_number_of_payments_in_current_period": 2,
    "cumulative_value_of_payments_in_current_period": 1800
  },
  "immediate_payment": {
    "amount": 130.52,
    "reference": "ACME-ACCOUNT-LINK-2025-001",
    "creditor_reference": "INV-2025-004321"
  }
}

GET/consents/v1 example request

curl --request GET \
     --url https://sandbox.leantech.me/consents/v1 \
     --header 'accept: application/json'

GET/consents/v1 example 200 response

{
  "data": [
    {
      "consent_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
      "bank_identifier": "string",
      "application_id": "string",
      "start_date_time": "2026-03-17T14:58:11.689Z",
      "expiration_date_time": "2026-03-17T14:58:11.689Z",
      "customer_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
      "status": "AWAITING_AUTHORISATION",
      "destination_account_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
      "reference": "string",
      "consented_account": {
        "iban": "string",
        "holder_name": "string"
      },
      "currency": "AED",
      "payment_purpose": {
        "code": "FIS",
        "description": "string"
      },
      "control_parameters": {
        "type": "string",
        "period_type": "Day",
        "max_individual_amount": 0,
        "max_cumulative_amount": 0,
        "max_cumulative_number_of_payments": 0,
        "max_cumulative_amount_per_period": 0,
        "max_cumulative_number_of_payments_per_period": 0
      },
      "payment_consumption": {
        "cumulative_number_of_payments": 10,
        "cumulative_value_of_payments": 10000.05,
        "cumulative_number_of_payments_in_current_period": 5,
        "cumulative_value_of_payments_in_current_period": 5000.05
      }
    }
  ],
  "page": {
    "number": 0,
    "size": 0,
    "total_elements": 0,
    "total_pages": 0,
    "sort": [
      "string"
    ]
  }
}