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Getting Started

🚀 Quick Start​

Getting Started with PSD2 Integration​

To begin using Paysera's Open Banking API:

  1. 📚 Read Documentation - Understand API structure and key concepts
  2. 📞 Contact Paysera - Register your certificates and get access
  3. ⚙️ Prepare Integration - Configure and test your system

Looking for Georgia Standard?

Integration Flows​

Payment Initiation Flow​

Use when no payer account information is available during initiation:

Requirements
  • Authentication: OAuth SCA flow
  • Certificate Role: PSP_PI (Payment Initiation)
  • Required in: eIDAS certificate qcStatement

Authentication Setup​

🔑 QWAC Certificate Setup

Certificate Authentication Process​

  1. Obtain QWAC Certificate

    • Contact your National Competent Authority (NCA)
    • See NCA Register for your country

  2. Submit to Paysera

    • Send certificate to Paysera administrators
    • Include intended use case description

  3. Permission Setup

    • Paysera validates and approves certificate
    • Access granted based on certificate roles

Certificate Roles:

  • PSP_AI - Account Information access
  • PSP_PI - Payment Initiation
  • PSP_IC - Fund Confirmation (coming soon)
🔐 OAuth 2.0 Implementation

OAuth Configuration​

Discovery Endpoint:

OAuth endpoints are version-specific:

# For Berlin Group v1.3
https://open-banking-api.paysera.com/xs2a/berlin/1.3/.well-known/oauth-authorization-server

# For Georgia v0.8
https://open-banking-api.paysera.com/xs2a/georgia/0.8/.well-known/oauth-authorization-server

Implementation Steps​

  1. Get Authorization Code

    GET /authorize?
      response_type=code&
      client_id={your-client-id}&
      redirect_uri={your-redirect}&
      scope={requested-scopes}&
      state={random-state}

  2. Exchange for Access Token

    POST /token
    Content-Type: application/x-www-form-urlencoded

    grant_type=authorization_code&
    code={authorization-code}&
    client_id={your-client-id}&
    client_secret={your-secret}

  3. Use Access Token

    GET /v1/accounts
    Authorization: Bearer {access-token}

📖 Full details in Authentication Guide

NCA Registers​

🏛️ National Competent Authorities

European NCA Register​

Where to obtain PSD2 certificates:

CountryAuthorityRegister Link
🇩🇪 DEBaFinRegister
🇫🇷 FRACPRRegafi
🇮🇹 ITBanca d'ItaliaRegister
🇪🇸 ESBanco de EspañaRegister
🇳🇱 NLDNBRegister
🇧🇪 BENBBRegister
note

This list may be outdated. Verify with respective authorities for current information.

Next Steps​

📖 Documentation​

🔧 Implementation​

📚 Resources​

Support​

Need help with complex integrations?

Contact: tech_support@paysera.com