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Open Banking API for Georgia

PSD2-compliant Open Banking API based on NextGenPSD2 XS2A Framework adapted for Georgian market.

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.

Georgian Open Banking Standard is based on the NextGenPSD2 XS2A Framework, adapted for the Georgian financial market:

  • Compliant with National Bank of Georgia regulations
  • Implements Strong Customer Authentication (SCA)
  • Supports Payment Initiation Services (PIS) and Account Information Services (AIS)
  • Enables domestic and foreign payment initiation
  • Includes support for bulk and periodic payments

API Version​

Georgia v0.8 (Framework: NextGenPSD2 v1.3.9) - NextGenPSD2 XS2A Framework compliant with National Bank of Georgia requirements.

Base URL: https://open-banking-api.paysera.com/xs2a/georgia/0.8/v1

Specification: Georgian Open Banking Standards

Looking for EU Standard?

For EU-wide operations, visit Open Banking API with Berlin Group v1.3.

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 recognized in Georgia
  • Certificate must not be suspended or revoked
  • Certificate must be validated via OCSP (Online Certificate Status Protocol)
  • All certificate testing mechanisms must comply with international standards
Access Control

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

Service Availability​

Environment​

EnvironmentGeorgia v0.8
Production✅ https://open-banking-api.paysera.com/xs2a/georgia/0.8
Sandbox⚠️ Work in Progress

Supported Features​

FeatureStatus
Strong Customer Authentication (SCA)✅
Account Information Service (AIS)✅
Payment Initiation Service (PIS)✅
Domestic payments✅
Foreign payments✅
Single payments✅
Bulk payments✅
Periodic payments (standing orders)✅
Confirmation of Funds (PIIS)❌

Quick Start Guide​

  1. Get Certificates - Obtain QWAC and QSealC from your National Competent Authority
  2. Register with Paysera - Submit your certificates for approval
  3. Implement OAuth - Follow Authentication guide
  4. 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:

  • Domestic payments
  • Foreign payments
  • Single payments
  • Bulk payments
  • Periodic payments (standing orders)
  • Strong Customer Authentication (SCA)
  • Real-time payment status

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

Documentation​

Integration Guides​

API Specifications​

Resources​

External Resources​