Integration Steps
1
Obtain QWAC Certificate
Get a valid QWAC certificate for XS2A from a trusted certificate authority.
Certificate must be validated via OCSP→
2
Contact Paysera
Provide description of your API usage and required endpoints.
Specify Production or Sandbox environment→
3
Set Up Accounts
Have Paysera accounts with sufficient funds for testing.
Required for both testing and production→
4
Start Integration
Begin using the Open Banking APIs with OAuth 2.0 authentication.
https://open-banking-api.paysera.comSupported Services
Account Information Service (AIS)
Access account information with proper customer consent
- Account details and balances
- Transaction history
- Multi-currency account support
- Various consent scopes (dedicated, global, bank-offered)
Payment Initiation Service (PIS)
Initiate payments on behalf of customers
- Single payment initiation
- Multi-currency payment support
- Payment status tracking
- 15-minute payment timeout
API Specifications
Authentication & Security
SCA Approach:✅ Redirect OAuth 2.0
Decoupled:❌ Not supported
Embedded:❌ Not supported
Certificate:✅ QWAC required
Consent & Timeouts
SCA Validity (Current):180 days
SCA Validity (One-off):1 hour
Consent Timeout:1 day
Max Frequency:4 per day
Account Support
IBAN:✅ Supported
Multi-currency:✅ Aggregation & Sub-account
Balance Types:✅ Interim Available & Booked
Owner Names:✅ Supported
Implementation Guidelines
Follow the Berlin Group NextGenPSD2 XS2A Framework for detailed implementation guidelines, sample queries, and best practices.
API Base URL
https://open-banking-api.paysera.com/xs2a/berlin/1.3/v1Production Access Requirements
To access the production API, you must have:
- Valid QWAC certificate from trusted authority
- Certificate validation via OCSP
- Compliance with international standards
- Certificate must not be suspended or revoked
Failure to meet requirements results in HTTP 403 (Access Forbidden)