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Open Banking API - Berlin Group Reference

Version: Berlin Group v1.3

The Paysera Open Banking API provides PSD2-compliant access to account information and payment initiation services through standardized Berlin Group NextGenPSD2 interfaces for EU-wide operations.

Base URL​

  • Production: https://open-banking-api.paysera.com/xs2a/berlin/1.3/v1
Looking for Georgia Standard?

For Georgian market integration, visit Open Banking for Georgia documentation.

Authentication​

All Open Banking API endpoints require MAC (Message Authentication Code) authentication with QWAC and QSealC certificates.

Authorization Header Format:

Authorization: MAC id="CLIENT_ID", ts="TIMESTAMP", nonce="RANDOM_STRING", mac="MAC_HASH", ext="body_hash=BODY_HASH"

Example:

Authorization: MAC id="a9b8c7d6e5f4g3h2", ts="1234567890", nonce="xyz123abc456def", mac="dGhpcyBpcyBhIHJhbmRvbSBtYWMgaGFzaCB2YWx1ZQ==", ext="body_hash=cmFuZG9tQm9keUhhc2hWYWx1ZQ%3D%3D"

For more details, please refer to the Open Banking API Authentication Documentation.

API Features​

Payment Initiation Services (PIS)​

Initiate SEPA credit transfers, instant SEPA, TARGET2 payments, and domestic RON transfers. Includes payment status tracking and cancellation with Strong Customer Authentication.

Account Information Services (AIS)​

Access account lists, details, real-time balances, and transaction history. Multi-currency account support with secure consent-based access.

Create and manage account access consents with SCA support. Multiple authorization approaches available: Redirect, Embedded, and Decoupled.

Card Accounts​

Access card account information including card lists, details, balances, and transaction history for payment cards.

Strong Customer Authentication (SCA)​

Three SCA approaches supported:

  • Redirect Approach: User redirected to ASPSP for authentication
  • Embedded Approach: Authentication credentials provided directly through API
  • Decoupled Approach: Authentication through separate channel (e.g., mobile app)

Pagination​

List endpoints support pagination with the following parameters:

  • page - Page number (≥1, default: 1)
  • pageSize - Items per page (1-100, default: 10)

Example:

GET /accounts?page=1&pageSize=20

Rate Limits​

The API implements rate limiting to ensure service stability. If you exceed the rate limit, you will receive a 429 Too Many Requests response.

Contact​

Paysera Support: tech_support@paysera.com Website: https://www.paysera.com