Q:
Are payments scheduled for a next business day considered irrevocable once initiated? Can PSU (Payment Service User) cancel the payment after authorization?
A:
Payments scheduled for a next business day are allowed to be deleted. This is also true when a payment authorization has been completed successfully.
Please also refer to:
API Reference (Compliance APIs)
Q:
Is it only possible to cancel/delete bulk payments through Payments API Single SCA? Or this also applies to one-time immediate and scheduled payments? Is SCA (Strong Customer Authentication) needed then?
A:
Cancelling/deleting bulk and one-time payments is possible as long as the status of the payment is not Paid. A token is needed when calling the following endpoints:
- For Single SCA payments:
Delete multiple payments (Payments API Single SCA)
- For 2SCA payments:
Delete list of payments (Payments Common API)
Q:
We created a new app in your Production Developer Portal, which generated a new API Key (Client ID) and switched all our traffic to this app. A scheduled payment had been initiated and authorised prior to this change. When the user attempts to delete this payment, we encounter the following error: "code":"error.client-id.invalid", "description":"X-IBM-Client-Id doesn't match to clientId from Bearer token."
#bankRequestURI: https://open.nordea.com/personal/v5/payments#statusCode: 401#statusMessage: Unauthorized#responseFromBank: {"group_header":{"message_identification":"2271e8b82df21681","creation_date_time":"2025-10-29T14:36:54.355000797Z","http_code":401},"error":{"request":{"url":"/personal/v5/payments"},"failures":[{"code":"error.client-id.invalid","description":"X-IBM-Client-Id doesn't match to clientId from Bearer token."}]}}
How to proceed?
A:
The error occurs because the X-IBM-Client-Id (API Key) in your request does not match the Client ID embedded in the Bearer token. This typically happens when a payment is initiated with one application (old API Key) and you attempt to manage it with another application (new API Key). To prevent this in the future:
- Always use the same app for both initiating and managing payments
- When migrating to a new app, ensure all pending or scheduled payments are completed or cancelled before switching applications
As the payment is now orphaned from the new application, the user should contact Nordea support for assistance with deletion.