Glossary

Term	Meaning
Onboarding	The company verification and agreement-signing process required before enabled ZTL services can be used.
Consent	A user’s bank authorization for ZTL to access account information and initiate payments for a particular organization and bank.
PSU	Payment service user: the person using the partner application and bank service.
SCA	Strong customer authentication performed with the bank or identity provider.
AIS	Account information service, including account, balance, and entry retrieval.
PIS	Payment initiation service. Creation does not replace the user’s bank approval.
TPP	Third-party provider consuming an account-servicing bank’s open-banking interface.
AISP	Account information service provider.
PISP	Payment initiation service provider.
ASPSP	Account servicing payment service provider, usually the bank holding the account.
BBAN	Basic Bank Account Number, a domestic account identifier.
IBAN	International Bank Account Number.
BIC/SWIFT	International bank identifier used to route and identify a financial institution.
KID/OCR	Structured creditor reference used for invoice matching. The current schemas identify the accepted remittance type per operation.
End-to-end ID	Partner-supplied transaction identifier returned in status results so a transaction can be correlated through its lifecycle.
Sandbox	Our staging environment used for integration testing purposes.

Store ZTL resource IDs separately from business identifiers such as an end-to-end ID, organization number, BBAN, or IBAN. They serve different purposes and must not be reconstructed from each other.