The Fallback Mechanism can be used if the API Channel or certain API functionality is unavailable.

The Fallback provides TPPs with ability to identify themselves to the bank, an eIDAS certificate is required to access the Fallback Mechanism. The Fallback Mechanism effectively provides access to the PSU’s direct interface. Access to this mechanism is by way of unique URL.

As part of authentication journey where the TPP is using the Fallback, the customer will also need to complete the Multi Factor Authentication process as part of entering their banking credentials to complete the flow.

For information on how to access the Fallback Mechanism please contact us on api@aib.ie