How to Start?

In order to start using PSD2 integration with Paysera you should follow this steps:

  1. Read the documentation;
  2. Contact Paysera to be able use the service (read the Authentication chapter);
  3. Prepare integration following the documentation.

The Flow

In order to use PSD2 integration between Merchant and Paysera some steps must be completed. To understand which actions must be made between Customer, Merchant and Paysera check the integration sequence diagram below:

Payment initiation

If payment is initiated when there is no information about the exact payer account, then this flow should be used:

PSD2 payment initiation integration diagram

Payment initiation with a specific account

If payment is initiated when there is exact information about payer account, then this flow should be used:

PSD2 payment initiation with an account integration diagram

Gathering account information

To collect information about Paysera user account it's required to obtain such permissions from the user. An integration scheme below should be used:

PSD2 collecting user information integration diagram


Authentication is performed by using the QWAC certificate. Before using it, the owner of the client provides a QWAC certificate for Paysera administrators. Paysera will allow the clients to use QWAC provided and grant permissions to access specific information. You may find Paysera contacts at the bottom of the page.


To obtain information about user account in Paysera system you need to use oAuth, read more info about this: Getting User's Information.

In order to obtain information if the user has enough funds, you should send a request to our system.



URI parameters:

  • walletId - id of the wallet. me must be used, as access token is used.

Query parameters:

  • amount - amount in cents to be paid.
  • currency - currency to be used.

Response body

    "is_sufficient": true

To obtain information about the user you should request for information. It's possible to request specific information about the user. More info: User resource.

To create a transfer or check the status of the created transfer there must be initiated a request to the Paysera system. Read more info about the requests and responses between the systems: PSD2 API Specifications.

In case you want User to confirm already created transfer, please use the following endpoint. User will be redirected to the transfer sign page, to authenticate the transfer.

URI parameters:

  • transferId - id of the transfer, which is obtained after creating a transfer.

Query parameters:

  • redirect_uri - website address where should be returned user after confirming the transfer.