Getting started
General Information
- API base URL: https://open-banking-api.paysera.com
- Sandbox base URL: https://open-banking-sandbox.paysera.com
- NextGenPSD2 XS2A Framework Georgia Conformity:
Georgian Open Banking specification
More details on how the APIs work, including sample queries, etc, are available in the Georgian Open Banking specifications. The above link redirects to the Implementation Guidelines.
TPP Identification Policy
QWAC verification
A valid QWAC Certificate for XS2A is required to access the Sandbox and Production API. The following conditions are verified:
- The certificate should be issued by a trusted Open Banking certificate issuer recognized in Georgia
- The certificate should not be suspended or revoked
- The certificate should be validated via OCSP
- All valid certificate testing mechanisms, including OCSP, must comply with international standards and best practices
If one of the conditions is not fulfilled, the connection is closed and the TPP received an HTTP 403 response (Access forbidden).
Market test requirements
To participate in the market test, the TPP needs to fulfill several requirements:
- Valid certificate from a Georgian certification authority
- One or several Paysera accounts with the required funds
How to start?
Contact Paysera with a description of how are you going to use specific API, which API will be used and
will it be used with Production or Sandbox. You might be asked to provide additional information.
General settings
| SCA Approach | Supported | |
|---|---|---|
|
Redirect OAuth 2.0 workflow |
✔ | |
|
Decoupled workflow |
✖ | |
|
Embedded workflow |
✖ | |
Account Information Service
Services |
Supported | |
|---|---|---|
Support of multiple consents |
✖ | |
Support of Signing Baskets |
✖ | |
Support of Card Accounts Endpoints |
✖ | |
Support display of Account ownerName and ownerNames |
✖ | |
Support display of Account psuName |
✖ | |
|
Owner name always delivered without taking into account the consent scope |
✖ | |
Support of Trusted Beneficiaries endpoint |
✖ | |
Support of Multilevel SCA Approach |
✔ | |
|
Maximum Frequency Per Day Value Supported on Consent Request |
4 | |
SCA Validity for a current consent |
90 days | |
SCA Validity for a one-off consent |
1 hour | |
Consent establishment Timeout |
1 day | |
Support of parameter withBalance on APIs |
✖ | |
Supported Account Reference Identifiers |
IBAN | ✔ |
| MaskedPan | ✖ | |
| BBAN | ✖ | |
| Consent scope | Dedicated consent (List of accounts) | ✔ |
| Dedicated consent - Support of ownerName in additionalInformation property | ✖ | |
| Dedicated consent - Support of trustedBeneficiaries in additionalInformation property | ✖ | |
| Bank-offered consent | ✔ | |
| Global consent - availableAccounts = allAccounts | ✔ | |
| Global consent - availableAccountsWithBalance = allAccounts | ✖ | |
| Global consent - allPsd2 = allAccounts | ✔ | |
| Global consent - availableAccounts = allAccountsWithOwnerName | ✖ | |
| Global consent - availableAccountsWithBalance = allAccountsWithOwnerName | ✖ | |
| Global consent - allPsd2 = allAccountsWithOwnerName | ✖ | |
Supported Access for MultiCurrency Accounts |
✔ | |
| Multicurrency level | Aggregation level | ✔ |
| Sub-account level | ✔ | |
| Aggregation & sub-account level | ✖ | |
| Balance Type | closingBooked | ✖ |
| expected | ✖ | |
| openingBooked | ✖ | |
| interimAvailable | ✔ | |
| interimBooked | ✔ | |
| forwardAvailable | ✖ | |
| Supported Transactions Query Parameters | bookingStatus = booked | ✔ |
| bookingStatus = pending | ✔ | |
| bookingStatus = both | ✔ | |
| bookingStatus = all to request all types of transactions (pending, booked and information) at once | ✖ | |
| dateFrom | ✔ | |
| dateTo | ✔ | |
| entryReferenceFrom | ✖ | |
| deltaList | ✖ | |
| Support of Standing orders endpoint (bookingStatus=information) | ✖ | |
| Supported optional transaction information (Standing Orders) | debtorName | ✖ |
| instructionIdentification | ✖ | |
| remittanceInformationUnstructuredArray | ✖ | |
| remittanceInformationStructuredArray | ✖ | |
| creditorAgent | ✖ | |
| debtorAgent | ✖ | |
| balanceAfterTransaction | ✖ | |
Payment Initiation Service
Services |
Supported | |
|---|---|---|
Support of Signing Baskets |
✖ | |
Payment initiation timeout |
15 minutes |
|
Support of PIS without IBAN - Retrieval of debtor accounts with AIS flow |
✖ | |
Selection of debtor account on CBS pages when payment submission without IBAN |
✖ | |
Funds Availability on Payment Status Information (implicit FCS over PIS) |
✖ | |
Support of TPP-Rejection-NoFunds-Preferred Header |
✖ | |
Support payment status notification (instant payment only) |
✖ | |
Mandatory Authorisation on Payment Cancellation |
✖ | |
Supported Access for MultiCurrency Accounts |
✔ | |
Support display of ownerNames in payment status request |
✖ | |
Support display of psuName in payment status request and SCA status request |
✖ | |