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@KolSmn KolSmn commented Dec 22, 2025

I had an issue with DKB, where I could not execute simple_sepa_transfer due to the DKB returning 3945 response despite an exact VOP match.

With this PR, the user will now be asked for a VOP-Response as well in that case.

According to pdf-page 31 in the fints-documentation(https://www.fints.org/securedl/sdl-eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJpYXQiOjE3NjYzNTQwNjcsImV4cCI6MTc2NjQ0NDA2NywidXNlciI6MCwiZ3JvdXBzIjpbMCwtMV0sImZpbGUiOiJmaWxlYWRtaW4vc2VjdXJlZC9kb2t1bWVudGUvc3BlemlmaWthdGlvbl9kZXV0c2NoL2ZpbnRzdjMvRmluVFNfMy4wX01lc3NhZ2VzX0dlc2NoYWVmdHN2b3JmYWVsbGVfVk9QXzEuMDFfMjAyNV8wNl8yN19GVi5wZGYiLCJwYWdlIjoxMzF9.ZEe9qHIGC9A3vb_lEWG763ywwWYlAoKZjgce1tQDY0Q/FinTS_3.0_Messages_Geschaeftsvorfaelle_VOP_1.01_2025_06_27_FV.pdf) , institutes can answer with response code 3945 „Freigabe kann nicht erteilt werden“ despite an exact vop match (RCVC).

The code is successfully tested with DKB.

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