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Open Banking API - Berlin Group

PSD2-compliant Open Banking API based on Berlin Group NextGenPSD2 standard for EU-wide operations.

Overview

Open Banking is a system that allows banks and financial institutions to provide secure access to customer financial data through standardized APIs. Third-party providers (TPPs) can access this data with customer consent to build innovative financial services.

PSD2 (Payment Services Directive 2) is a European regulation that:

  • Requires banks to open their APIs to licensed third-party providers
  • Mandates Strong Customer Authentication (SCA) for payments
  • Regulates Payment Initiation Services (PIS) and Account Information Services (AIS)
  • Enhances consumer protection and data security

Berlin Group NextGenPSD2 is a pan-European standard that defines a common API framework for PSD2 compliance across EU member states.

API Version

Berlin Group v1.3.12 (Released: 2022-07-01) - Latest Berlin Group NextGenPSD2 specification for European market.

Base URL: https://open-banking-api.paysera.com/xs2a/berlin/1.3/v1

Specification: Berlin Group NextGenPSD2 XS2A Framework v1.3

Looking for Georgia Standard?

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

TPP Requirements

To access the production API, you must have:

QWAC Certificate Requirements:

  • Valid QWAC certificate for XS2A from a trusted Open Banking certificate authority
  • Certificate must not be suspended or revoked
  • Certificate must be validated via OCSP
  • All certificate testing mechanisms must comply with international standards
Access Control

If any QWAC requirements are not met, the connection is closed and returns HTTP 403 (Access forbidden).

General Settings

SCA ApproachSupported
Redirect OAuth 2.0 workflow
Decoupled workflow
Embedded workflow

Account Information Service

ServicesSupported
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 Request4
SCA Validity for a current consent180 days
SCA Validity for a one-off consent1 hour
Consent establishment Timeout1 day
Support of parameter withBalance on APIs
Support of parameter combinedServiceIndicator on APIs
Supported Account Reference IdentifiersIBAN
MaskedPan
BBAN
Consent scopeDedicated 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 levelAggregation level
Sub-account level
Aggregation & sub-account level
Balance TypeclosingBooked
expected
openingBooked
interimAvailable
interimBooked
forwardAvailable
Supported Transactions Query ParametersbookingStatus = 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

* Partially supported

Payment Initiation Service

ServicesSupported
Support of Signing Baskets
Payment initiation timeout15 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

Documentation

Integration Guides

API Specifications

Resources

External Resources