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🇬🇪 Open Banking for Georgia

Open Banking API specifically designed for Georgian residents using Berlin Group standard v0.8 with Georgian Open Banking conformity requirements.

Georgia Open Banking v0.8

This page contains specific information for developers working with Georgian residents. If you're working with clients from Georgia, you must use Berlin Group standard version 0.8, which is tailored for Georgian Open Banking conformity.

📍 Regional Requirement

This version (v0.8) is mandatory for all Georgian residents.The API base URL, certificate requirements, and specifications differ from the standard v1.3 implementation.

Getting Started

1

Obtain Georgian QWAC Certificate

Get a valid QWAC certificate from a Georgian certification authority recognized in Georgia.

Must be validated via OCSP and comply with Georgian standards
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2

Contact Paysera

Provide details about your Georgian Open Banking implementation and API usage plans.

Specify Georgian market requirements and production environment needs
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3

Set Up Paysera Accounts

Ensure you have Paysera accounts with sufficient funds for Georgian market testing.

Required for both testing and production environments
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4

Start Integration

Begin using the Georgian Open Banking APIs with proper authentication flows.

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

Key Differences from v1.3

🌐 API Base URL

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

Different endpoint specifically for Georgian conformity

⏱️ SCA Validity

Current Consent:90 days(vs 180 days in v1.3)
One-off Consent:1 hour(same as v1.3)

💳 Card Account Support

❌ Card Accounts Endpoints

Card account functionality is not supported in Georgian v0.8

🏛️ Certification Authority

Certificates must be issued by Georgian certification authorities recognized for Open Banking

Georgian Open Banking Standards

Supported Services

🏦 Account Information Service (AIS)

Access account information with proper customer consent (Georgian standards)

  • Account details and balances
  • Transaction history
  • Multi-currency account support
  • Owner name display support
  • 90-day SCA validity for current consents

💳 Payment Initiation Service (PIS)

Initiate payments for Georgian residents

  • Single payment initiation
  • Multi-currency payment support
  • Payment status tracking
  • 15-minute payment timeout
  • Compliance with Georgian regulations

Georgian API Specifications

🔐 Authentication & Security

SCA Approach:✅ Redirect OAuth 2.0
Decoupled:❌ Not supported
Embedded:❌ Not supported
Certificate:✅ Georgian QWAC required

⏱️ Georgian Consent & Timeouts

SCA Validity (Current):90 days
SCA Validity (One-off):1 hour
Consent Timeout:1 day
Max Frequency:4 per day

🌍 Account & Payment Support

IBAN:✅ Supported
Multi-currency:✅ Aggregation & Sub-account
Balance Types:✅ Interim Available & Booked
Card Accounts:❌ Not supported

Implementation Guidelines

Follow the Georgian Open Banking specifications available at the National Bank of Georgia's Open Finance portal for detailed implementation guidelines.

Georgian API Base URL

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

⚠️ Georgian Production Access Requirements

To access the production API for Georgian residents, you must have:

  • Valid QWAC certificate from Georgian certification authority
  • Certificate recognized in Georgia for Open Banking
  • OCSP validation compliance
  • Adherence to Georgian Open Banking standards
  • Certificate must not be suspended or revoked

Non-compliance results in HTTP 403 (Access Forbidden)