AP2 Adapter (SEPA/BACS)

Caution

Sprint 4 — Stub. The AP2 adapter is partially implemented. The mandate wrapping interface is stable; full SEPA/BACS dispatch is planned for Sprint 4. See the Wrap an AP2 Mandate recipe for current usage.

What is AP2?

AP2 (Account Payment Protocol v2) is an open banking standard for bank direct debit mandates — the mechanism behind SEPA Direct Debit (EU) and BACS Direct Debit (UK). AP2 mandates authorize recurring or one-time debits from a bank account.

Current state

The AP2 adapter wraps PQSafe envelopes around AP2 mandate objects. The envelope provides the ML-DSA-65 authorization layer; the mandate provides the bank routing details.

import { AP2 } from '@pqsafe/agent-pay'

// Build an AP2 mandate reference
const mandate: AP2.MandateReference = {
  mandateId: 'MANDATE-001',
  creditorId: 'DE98ZZZ09999999999',
  debtorIBAN: 'GB29NWBK60161331926819',
  scheme: 'SEPA_CORE',
}

// Wrap with a PQSafe envelope (stub — does not dispatch in production)
const wrapped = await AP2.wrapMandate(signedEnvelope, mandate, {
  sandbox: true, // AP2_SANDBOX_MODE
})

console.log(wrapped.status) // 'sandbox_accepted'

Full implementation: Sprint 4

• SEPA Direct Debit dispatch via Airwallex’s Open Banking API
• BACS Direct Debit via Modulr
• Mandate registration and cancellation lifecycle
• Webhook for debit execution confirmation

→ Recipe: Wrap an AP2 Mandate