Authentication
Credentials and OAuth2
Authenticate with OAuth2 client credentials. Tokens are scoped to the services you enable, so each request carries only the permissions it needs. Rotate keys without downtime from a single dashboard.
Developer documentationREST API · OAuth2 · Webhooks
For engineering teams
Build on the bysepa API
Everything your team needs to integrate Open Banking payments and account data across Europe. One REST API, one set of credentials, and a consistent contract behind every bank on the network. This overview maps the building blocks so you know what to expect before you write a line of integration code.
Core references
The building blocks of an integration
The API is grouped into a small number of clear domains. You can ship a single flow or combine them as your product grows.
Payment initiation
Create and track payments
Initiate an account-to-account payment, hand the customer to their bank for consent, and follow the payment through to settlement. Status is reported consistently across every bank on the network.
Account information
Read balances and data
With the user's consent, read balances and transaction history to confirm identity or check funds. Responses are normalised, so you parse one shape regardless of the underlying institution.
Webhooks
Event notifications
Subscribe to signed webhook events for payment status changes and consent updates. Every payload is verifiable, so your backend can react in real time without polling the API.
Getting started
From sandbox to production
01
Get your keys
Request access and receive sandbox credentials. Explore the full API against simulated banks before you touch live data.
02
Build your flow
Wire up authentication, then the payment or data flow you need. The sandbox mirrors production responses, so what you test is what you ship.
03
Go live
Swap to production credentials and launch. Our licensed partners hold the PISP and AISP permissions, so you ship without the regulatory overhead.
Start building
Get sandbox access today
Tell us about your use case and we will set up your sandbox credentials. Test the full API end to end before you commit to a single line of production code.