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
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
If any QWAC requirements are not met, the connection is closed and returns HTTP 403 (Access forbidden).
Service Availability
Environment
| Environment | Berlin Group v1.3 |
|---|---|
| Production | ✅ https://open-banking-api.paysera.com/xs2a/berlin/1.3 |
| Sandbox | ⚠️ Work in Progress |
Supported Features
| Feature | Status |
|---|---|
| Strong Customer Authentication (SCA) | ✅ |
| Account Information Service (AIS) | ✅ |
| Payment Initiation Service (PIS) | ✅ |
| SEPA credit transfers | ✅ |
| Instant SEPA credit transfers | ✅ |
| TARGET2 payments | ✅ |
| Domestic RON transfers (Romanian Leu) | ✅ |
| Single payments | ✅ |
| Confirmation of Funds (PIIS) | ⚠️ Coming Soon |
| Bulk payments | ❌ |
| Periodic payments (standing orders) | ❌ |
Quick Start Guide
- Get Certificates - Obtain QWAC and QSealC from your National Competent Authority
- Register with Paysera - Submit your certificates for approval
- Implement OAuth - Follow Authentication guide
- Start Integration - Use API Reference and Examples
See detailed Getting Started guide
Available Services
Account Information Service (AIS)
Access customer account data with consent:
- Account balances
- Transaction history
- Account details
- Multi-currency support
Payment Initiation Service (PIS)
Initiate payments on behalf of customers:
- SEPA credit transfers
- Instant SEPA credit transfers
- TARGET2 payments
- Domestic RON transfers (Romanian Leu)
- Strong Customer Authentication (SCA)
- Real-time payment status
Confirmation of Funds (PIIS)
PIIS is currently under development.
Authentication Requirements
- QWAC Certificate - TLS client authentication
- QSealC Certificate - Request signing for payments
- OAuth 2.0 - User authorization tokens
- SCA - Strong Customer Authentication
Learn more: Authentication Guide | Security Guide