Alternative APIs

ISO Payments

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The ISO Payments API allows you to initiate secure, structured payments by submitting payment instructions in JSON format from which an ISO 20022 pain.001 file is generated and uploaded to the online bank for authorisation.

For requests to the PIS API, you need an access token with scope set to paymentinitiation corporate.

0. Create FX Quote (Cross-border only)

Cross-border payments enable you to initiate payments to 180+ countries with built-in, real-time currency conversion — supporting both spot and forward exchange rates (up to 30 days). The first step for a cross-border payment is to create an FX quote, defining the exchange rate, fees, and the validity period.

Endpoint

Code
 
POST /psd2/paymentinitiation/v1/fx

Request Headers

Name	Type	Description
X-Request-ID	string(uuid)	The ID of the request, unique to the call, as determined by the initiating party.
X-BicFi	string	The BIC of the bank to which the request is addressed.
PSU-ID	string	The ID used to identify the PSU at the bank. Typically a local social security number or another unique login ID.
PSU-Corporate-ID	string	The Corporate ID of the PSU when acting on behalf of an organization, e.g. Org. nummer for SE, KVK for NL.
PSU-IP-Address	string(ipv4)	The IP address of the PSU from the HTTP request between the PSU and the TPP.
PSU-User-Agent	string	The Agent header from the HTTP request between the PSU and the TPP, identifying the browser used by the PSU.

Request Body

Name	Type	Description
sourceCurrency	string	The source currency.
targetCurrency	string	The target currency.
requestedExecutionDate	string(date)	The requested execution date, for future payments.
countryCode	string	The target country.
amount	string	The requested amount.

Code
 
curl -X POST "https://api.openbankingplatform.com/psd2/paymentinitiation/v1/fx" \
  -H "Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIn0..." \
  -H "Content-Type: application/json" \
  -H "X-Request-ID: 98afac01-e0bb-4aa2-95fd-0b3204f8a183" \
  -d '{
    "sourceCurrency": "SEK",
    "targetCurrency": "EUR", 
    "requestedExecutionDate": "2025-11-10",
    "countryCode": "FI", 
    "amount": "130.00" 
    }'

Response

Code
 
{
  "fxQuoteId": "F100000PFM",
  "fxRate": "11.05254986",
  "fee": "1.50",
  "totalAmount": "1440.53",
  "validFrom": "2025-11-09T09:36:24.0142906Z",
  "validTo": "2025-11-10T23:59:59.0000000Z"
}

The response contains an fxQuoteId which you will need to reference in the request headers of the cross-border payment request.

1. Create Payment

This step is where you create the payment you wish to upload in file format.

Endpoint

Code
 
POST /iso/payments

Domestic

Local account-to-account transfers in the bank's national system.

Request Headers

Name	Type	Description
X-Request-ID	string	The ID of the request, unique to the call, as determined by the initiating party.
X-BicFi	string	The BIC of the bank to which the request is addressed.
PSU-ID	string	The ID used to identify the PSU at the bank. Typically a local social security number or another unique login ID.
PSU-Corporate-ID	string	The Corporate ID of the PSU when acting on behalf of an organization, e.g. Org. nummer for SE, KVK for NL.
PSU-IP-Address	string	The IP address of the PSU from the HTTP request between the PSU and the TPP.
PSU-User-Agent	string	The Agent header from the HTTP request between the PSU and the TPP, identifying the browser used by the PSU.

Request Body

Name	Type	Description
instructedAmount	object	The amount and currency of the money to be transferred.
debtorAccount	object	The account from which the payment will be debited.
creditorAccount	object	The account to which the payment will be credited.
creditorName	string	The full name of the payment recipient.
requestedExecutionDate	string(date)	The date when the payment is scheduled to be executed in ISO 8601 format, e.g. 2025-10-31.
remittanceInformationUnstructured	string	A free-text field for remittance information on the payment.

Code
 
curl -X POST "https://api.openbankingplatform.com/iso/payments" \
  -H "Accept: application/json" \
  -H "Authorization: Bearer <eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIn0>..." \
  -H "Content-Type: application/json" \
  -H "X-Request-ID: 2e02a131-a35a-450f-a736-9a06086f3337" \
  -H "X-BicFi: ESSESESS" \
  -H "PSU-ID: 123456789001" \
  -H "PSU-Corporate-ID: 1234567890" \
  -H "PSU-IP-Address: 152.120.171.187" \
  -d '{
    "instructedAmount": {
      "amount": "1230.50",
      "currency": "SEK"
    },
    "debtorAccount": {
      "iban": "SE123456789000532811",
      "currency": "SEK"
    },
    "creditorAccount": {
      "iban": "SE123456789000222333",
      "currency": "SEK"
    },
    "creditorName": "Acme AB",
    "requestedExecutionDate": "2025-06-10",
    "remittanceInformationUnstructured": "Ref Number Merchant"
    }'

Swedish Giro

Domestic transfers within Sweden via the Bankgirot and Plusgirot systems.

Endpoint

Code
 
POST /iso/payments

Request Headers

Name	Type	Description
X-Request-ID	string(uuid)	The ID of the request, unique to the call, as determined by the initiating party.
X-BicFi	string	The BIC of the bank to which the request is addressed.
PSU-ID	string	The ID used to identify the PSU at the bank. Typically a local social security number or another unique login ID.
PSU-Corporate-ID	string	The Corporate ID of the PSU when acting on behalf of an organization, e.g. Org. nummer for SE, KVK for NL.
PSU-IP-Address	string(ipv4)	The IP address of the PSU from the HTTP request between the PSU and the TPP.
PSU-User-Agent	string	The Agent header of the PSU from the HTTP request between the PSU and the TPP.

Request Body

Name	Type	Description
instructedAmount	object	The amount and currency of the money to be transferred.
debtorAccount	object	The account from which the payment will be debited.
creditorGiro	object	The Bankgirot or Plusgirot account to which the payment will be credited.
creditorName	string	The full name of the payment recipient.
requestedExecutionDate	string(date)	The date when the payment is scheduled to be executed in ISO 8601 format, e.g. 2025-10-31.
invoiceRef	string	A custom invoice reference.
ocrRef	string	A Giro OCR reference.

Code
 
curl -X POST "https://api.openbankingplatform.com/iso/payments" \
  -H "Accept: application/json" \
  -H "Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIn0..." \
  -H "Content-Type: application/json" \
  -H "X-Request-ID: 7891fc3d-85a3-4b8d-bf70-cd3805631607" \
  -H "X-BicFi: ESSESESS" \
  -H "PSU-ID: 123456789001" \
  -H "PSU-Corporate-ID: 1234567890" \
  -H "PSU-IP-Address: 152.120.171.187" \
  -d '{
    "instructedAmount": {
      "amount": "1230.50",
      "currency": "SEK"
    },
    "debtorAccount": {
      "iban": "SE123456789000532811",
      "currency": "SEK"
    },
    "creditorGiro": {
      "giroNumber": "123-4567",
      "giroType": "BANKGIRO"
    },
    "creditorName": "Acme AB",
    "requestedExecutionDate": "2025-06-10",
    "invoiceRef": "Invoice Nr 4421"
    }'

SEPA Credit Transfers

Payments in EUR between accounts in the SEPA (Single Euro Payments Area) zone.

Endpoint

Code
 
POST /iso/payments

Request Headers

Name	Type	Description
X-Request-ID	string(uuid)	The ID of the request, unique to the call, as determined by the initiating party.
X-BicFi	string	The BIC of the bank to which the request is addressed.
PSU-ID	string	The ID used to identify the PSU at the bank. Typically a local social security number or another unique login ID.
PSU-Corporate-ID	string	The Corporate ID of the PSU when acting on behalf of an organization, e.g. Org. nummer for SE, KVK for NL.
PSU-IP-Address	string(ipv4)	The IP address of the PSU from the HTTP request between the PSU and the TPP.
PSU-User-Agent	string	The Agent header of the PSU from the HTTP request between the PSU and the TPP.

Request Body

Name	Type	Description
instructedAmount	object	The amount and currency of the money to be transferred.
debtorAccount	object	The account from which the payment will be debited.
creditorAccount	object	The account to which the payment will be credited.
creditorName	string	The full name of the payment recipient.
creditorAgent	string	The BIC of the payment recipient's bank.
creditorAgentName	string	The name of the payment recipient's bank.
requestedExecutionDate	string(date)	The date when the payment is scheduled to be executed in ISO 8601 format, e.g. 2025-10-31.
remittanceInformationUnstructured	string	A free-text field for remittance information on the payment.

Code
 
curl -X POST "https://api.openbankingplatform.com/iso/payments" \
  -H "Accept: application/json" \
  -H "Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIn0..." \
  -H "Content-Type: application/json" \
  -H "X-Request-ID: a062542e-8669-43e0-b67d-593d03af0e0f" \
  -H "X-BicFi: ESSESESS" \
  -H "PSU-ID: 123456789001" \
  -H "PSU-Corporate-ID: 1234567890" \
  -H "PSU-IP-Address: 152.120.171.187" \
  -d '{
    "instructedAmount": {
      "amount": "130.00",
      "currency": "EUR"
    },
    "debtorAccount": {
      "iban": "SE123456789000532811",
      "currency": "EUR"
    },
    "creditorAccount": {
      "iban": "FI123456789000222333",
      "currency": "EUR"
    },
    "creditorName": "Acme AB",
    "creditorAgent": "NDEAFIHH", 
    "creditorAgentName": "Nordea Bank Abp", 
    "requestedExecutionDate": "2025-05-19",
    "remittanceInformationUnstructured": "Ref Number Merchant"
    }'

Cross-border

Cross-border payments using FX quotes.

Endpoint

Code
 
POST /iso/payments/cross-border

Request Headers

Name	Type	Description
X-Request-ID	string(uuid)	The ID of the request, unique to the call, as determined by the initiating party.
X-BicFi	string	The BIC of the bank to which the request is addressed.
PSU-ID	string	The ID used to identify the PSU at the bank. Typically a local social security number or another unique login ID.
PSU-Corporate-ID	string	The Corporate ID of the PSU when acting on behalf of an organization, e.g. Org. nummer for SE, KVK for NL.
FX-Quote-Id	string	The ID of the FX Quote to be used for the payment. Used for cross-border payments only.
PSU-IP-Address	string(ipv4)	The IP address of the PSU from the HTTP request between the PSU and the TPP.
PSU-User-Agent	string	The Agent header of the PSU from the HTTP request between the PSU and the TPP.

Request Body

Name	Type	Description
instructedAmount	object	The amount and currency of the money to be transferred.
debtorAccount	object	The account from which the payment will be debited.
creditorAccount	object	The account to which the payment will be credited.
creditorName	string	The full name of the payment recipient.
creditorAddress	object	The address of the payment recipient.
creditorAgent	string	The BIC of the payment recipient's bank.
creditorAgentName	string	The name of the payment recipient's bank.
requestedExecutionDate	string(date)	The date when the payment is scheduled to be executed in ISO 8601 format, e.g. 2025-10-31.
remittanceInformationUnstructured	string	A free-text field for remittance information on the payment.

Code
 
curl -X POST "https://api.openbankingplatform.com/iso/payments/cross-border" \
  -H "Accept: application/json" \
  -H "Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIn0..." \
  -H "Content-Type: application/json" \
  -H "X-Request-ID: 69de0a9d-a5e0-47cd-bdf8-f33dc4028e0c" \
  -H "X-BicFi: ESSESESS" \
  -H "PSU-ID: 123456789001" \
  -H "PSU-Corporate-ID: 1234567890" \
  -H "FX-Quote-Id: F100000PFM" \
  -H "PSU-IP-Address: 152.120.171.187" \
  -d '{
    "instructedAmount": {
      "currency": "EUR",
      "amount": "130.00"
    },
    "debtorAccount": {
      "iban": "SE123456789000532811",
      "currency": "SEK"
    },
    "creditorAccount": {
      "iban": "FI123456789000222333",
      "currency": "EUR"
    },
    "creditorName": "Acme AB",
    "creditorAddress": {
      "street": "Example Street",
      "buildingNumber": "5",
      "city": "Helsinki",
      "postalCode": "00160",
      "country": "FI"
    },
    "creditorAgent": "NDEAFIHH", 
    "creditorAgentName": "Nordea Bank Abp",
    "requestedExecutionDate": "2025-06-10",
    "remittanceInformationUnstructured": "Ref Number Merchant"
    }'

Response

Code
 
{
  "transactionStatus": "RCVD",
  "paymentId": "a3cf0daa-6d43-4156-afd4-1d859ad448a8",
  "_links": {
    "confirmPayment": {
      "href": "/iso/payments/confirm"
    },
    "self": {
      "href": "/iso/payments/a3cf0daa-6d43-4156-afd4-1d859ad448a8"
    }
  }
}

2. Confirm Payment

After creating the desired ISO payment(s), confirm it to generate and upload a pain.001 file to the online bank. Multiple existing payments can be included in the file by specifying them in the paymentIds body parameter.

Endpoint

Code
 
PUT /iso/payments/confirm

Request Headers

Name	Type	Description
X-Request-ID	string(uuid)	The ID of the request, unique to the call, as determined by the initiating party.
X-BicFi	string	The BIC of the bank to which the request is addressed.
PSU-ID	string	The ID used to identify the PSU at the bank. Typically a local social security number or another unique login ID.
PSU-Corporate-ID	string	The Corporate ID of the PSU when acting on behalf of an organization, e.g. Org. nummer for SE, KVK for NL.
PSU-IP-Address	string(ipv4)	The IP address of the PSU from the HTTP request between the PSU and the TPP.
PSU-User-Agent	string	The Agent header of the PSU from the HTTP request between the PSU and the TPP.

Request Body

Name	Type	Description
paymentIds	array	The IDs of the payments to include in the confirmation.
batchBookingPreferred	boolean	Indicates a preference to execute the payment as a batch booking when set to true.

Code
 
curl -X PUT "https://api.openbankingplatform.com/iso/payments/confirm" \
  -H "Accept: application/json" \
  -H "Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIn0..." \
  -H "Content-Type: application/json" \
  -H "X-Request-ID: e26e0f4b-7fbd-4a23-8939-aa7e5275825c" \
  -H "X-BicFi: ESSESESS" \
  -H "PSU-ID: 123456789001" \
  -H "PSU-Corporate-ID: 1234567890" \
  -H "PSU-IP-Address: 152.120.171.187" \
  -d '{
      "paymentIds": [
      "a3cf0daa-6d43-4156-afd4-1d859ad448a8",
      "186901d2-2022-412f-a321-60062ef1ba1c",
      "84b1133c-9ef8-41dd-8dc1-0b64a8d955d3"
    ],
    "batchBookingPreferred": "false"
    }'

Response

Code
 
{
  "tppMessages": [
    {
      "category": "INFORMATION",
      "code": "FILE_UPLOADED",
      "text": "OPE20250609T1057016350301Z"
    }
  ]
}

3. Authorise Payment

After successfully confirming the payments, the PSU then needs to log into their online bank and authorise the file.

4. Get Payment

Lastly, make the following request to check the status of the payment(s) included in the file.

Endpoint

Code
 
GET /iso/payments/{paymentId}

Path Parameters

Name	Type	Description
paymentId	string	The ID of the payment that was created.

Request Headers

Name	Type	Description
X-Request-ID	string(uuid)	The ID of the request, unique to the call, as determined by the initiating party.
X-BicFi	string	The BIC of the bank to which the request is addressed.
PSU-ID	string	The ID used to identify the PSU at the bank. Typically a local social security number or another unique login ID.
PSU-Corporate-ID	string	The Corporate ID of the PSU when acting on behalf of an organization, e.g. Org. nummer for SE, KVK for NL.
PSU-IP-Address	string(ipv4)	The IP address of the PSU from the HTTP request between the PSU and the TPP.
PSU-User-Agent	string	The Agent header of the PSU from the HTTP request between the PSU and the TPP.

Code
 
curl -X GET "https://api.openbankingplatform.com/iso/payments/a3cf0daa-6d43-4156-afd4-1d859ad448a8" \
  -H "Accept: application/json" \
  -H "Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIn0..." \
  -H "Content-Type: application/json" \
  -H "X-Request-ID: c2ef85d1-dfc8-450d-b820-c90edc0f7de2" \
  -H "X-BicFi: ESSESESS" \
  -H "PSU-ID: 123456789001" \
  -H "PSU-Corporate-ID: 1234567890" \
  -H "PSU-IP-Address: 152.120.171.187" 

Response

Code
 
{
  "transactionStatus": "ACSC",
  "instructedAmount": {
    "amount": "1230.50",
    "currency": "SEK"
  },
  "debtorAccount": {
    "iban": "SE123456789000532811",
    "currency": "SEK"
  },
  "creditorAccount": {
    "iban": "SE123456789000222333",
    "currency": "SEK"
  },
  "creditorName": "Acme AB",
  "requestedExecutionDate": "2025-06-10",
  "remittanceInformationUnstructured": "Ref Number Merchant"
}

Payments can have a number of different statuses. Here, you want to check if the payment was rejected, in which case transactionStatus would have the value RJCT. If not, then you are done.