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target language that you select, you might have to do some adjustments to the
generated code to make it compile and function correctly. Make sure to read our
FAQ about SDK generation. Also, please always read the finAPI services
documentation and double-check that your code behaves as it should. If you have
any trouble or questions, please contact support@finapi.io

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WELCOME TO FINAPI XS2A SERVER!


finAPI offers XS2A Server to the banks to allow licensed TPPs to access payment
accounts via the API Interface following the Berlin Group Standard.

This documentation covers the API specification for the XS2A interface

More information about the APIs and the sandbox data is available in the
TPP-Developer Guide. The sandbox and production URLs are published by the banks.

If you need any help with the API, contact xs2a-support@finapi.io.

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WELCOME TO FINAPI ACCESS!


Access REST Services lie at the core of finAPI’s Open Banking ecosystem. The
Access API enables you to receive and analyze bank account information, and
execute payments. The services are divided into the following sections:


 * The Authorization section provides the OAuth endpoints to receive and manage
   access tokens which you need for any other service call.
 * Mandator Administration and Client Configuration sections provide endpoints
   to configure your client. If you are a licensed TPP, the TPP Certificates and
   TPP Credentials sections are also relevant for your configuration.
 * The Users section allows you to manage your user base.
 * Banks, Bank Connections and Accounts provide endpoints to receive bank
   accounts with their Transactions/Pending Transactions or Securities.
 * The Categories and Labels sections provide endpoints to re-categorize and/or
   label transactions.
 * Payments and Standing Orders provide endpoints for executing money transfers,
   direct debits, and standing orders.
 * The Notification Rules section allows you to configure push notifications
   that will be sent to your client when certain events take place.
 * The Mocks and Tests section provides services which you can use to test your
   API integration. Note that these services can be used only on the Sandbox
   environment.

We use cutting edge technology for constantly enhancing our services, from data
analysis pipelines to an event driven system, which is built in scalable
modules, that you also may use in a proprietary environment. If you are
interested in this kind of usage, please feel free to contact us for an offer.
Additional information about our API can be found here: Access public
documentation

If you need any further help with the API, contact support@finapi.io.

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WELCOME TO FINAPI ACCESS!


NOTE: This is a deprecated version of the API!

Access REST Services lie at the core of finAPI’s Open Banking ecosystem. The
Access API enables you to receive and analyze bank account information, and
execute payments. The services are divided into the following sections:


 * The Authorization section provides the OAuth endpoints to receive and manage
   access tokens which you need for any other service call.
 * Mandator Administration and Client Configuration sections provide endpoints
   to configure your client. If you are a licensed TPP, the TPP Certificates and
   TPP Credentials sections are also relevant for your configuration.
 * The Users section allows you to manage your user base.
 * Banks, Bank Connections and Accounts provide endpoints to receive bank
   accounts with their Transactions or Securities.
 * The Categories and Labels sections provide endpoints to re-categorize and/or
   label transactions.
 * Payments and Standing Orders provide endpoints for executing money transfers,
   direct debits, and standing orders.
 * The Notification Rules section allows you to configure push notifications
   that will be sent to your client when certain events take place.
 * The Mocks and Tests section provides services which you can use to test your
   API integration. Note that these services can be used only on the Sandbox
   environment.

We use cutting edge technology for constantly enhancing our services, from data
analysis pipelines to an event driven system, which is built in scalable
modules, that you also may use in a proprietary environment. If you are
interested in this kind of usage, please feel free to contact us for an offer.
Additional information about our API can be found here: Access public
documentation

If you need any further help with the API, contact support@finapi.io.

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WELCOME TO FINAPI PAYMENT!


Enable your users to pay directly from their bank account with easy-to-integrate
services. With our broad bank reach, you can streamline your payment flow,
taking advantage of the minimal number of the strong customer authentication
required by the user (usually only one for XS2A). No bank account import
necessary!

NOTE: finAPI Payment is not a separate API, but a sub-section of the finAPI
Access API. Please refer to finAPI Access, sections Payments/Standing Orders.

Additional information about Payments can be found here: Payment public
documentation

If you need any help with the API, contact support@finapi.io.

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WELCOME TO FINAPI GIROIDENT!


GiroIdent is a XS2A-based KYC solution which enables online identification of
end customers with a high degree of security. By relying on the user simply
providing access to their bank accounts, GiroIdent makes identity verification
quick and user-friendly.

To meet the varying degrees of KYC strictness businesses must adhere to, we
currently offer three types of identity checks:

 * GiroIdent Basis: Verifies the identity of the end user (Name) by using finAPI
   access to bank account capabilities
 * GiroIdent Plus: Verifies the identity of the end user (Name, Address, DOB) by
   using finAPI access to bank account capabilities and Schufa data
 * GiroIdent GWG (§ 14 GwG): Verifies the proven identity of the end user (Name,
   Address, DOB, Bank account) by using finAPI access to bank account
   capabilities and Schufa data
 * GiroIdent GwG Total (§ 12 GwG), i.e. SCHUFA MyConnect: FinAPI offers the
   complete KYC flow according to § 12 GwG in partnership with SCHUFA. The
   end-to-end customer flow ensures full AML compliance, including a Qualified
   Electronic Signature as per the legal requirements. finAPI Verifies the
   proven identity of the end-user (Name, Address, DOB, Bank account) by using
   finAPI access to bank account capabilities and Schufa data. Additionally, it
   allows the end-user to perform a “reference bank transfer” as requested by
   the § 12 GwG. For more information on the SCHUFA MyConnect flow, please reach
   out to us via support@finapi.io.

Additional information about our API can be found here: GiroIdent public
documentation.


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WELCOME TO FINAPI DATA INTELLIGENCE!


With finAPI Data Intelligence REST services we want to provide a deeper insight
in the picture that describes the financial situation of a customer. Although we
already provide services suitable for an individualized personal finance
management experience of an end user with our Access PFM product, with Data
Intelligence we complete this picture for B2B customers with the need of a deep
insight in the financial situation of their users.

To achieve this we structured our Data Intelligence services accordingly:


 * Under the Risk Reports section you can find reports related to transactions
   which might be connected to a payment risk, if you provide goods with a
   payment plan to this customer. We detect these transactions and bundle them
   under one report, which your application can consume within seconds.

 * To have a deeper understanding of the cash flow of your users, we provide the
   whole Cash Flow Reports section. Here you can find a variety of income and
   expenditure related labels, in which we aggregate and summarize the according
   transactions belonging to a specific field, like insurances, income or rent
   and living.

To provide data in the highest possible quality, DI normalises all data flows
received via various data sources. The services can be furthermore easily
integrated together with finAPI Access.

Various business needs are covered by using a combination of an expert system,
driven by clear defined rules and also machine learning approaches for, on the
one hand refining the expert system and on the other hand providing a label
coverage near to 100% for all transactions. Furthermore, we use cutting edge
technology for constantly enhancing our services, from data analysis pipelines
to an event driven system, which is build in scalable modules, that you also may
use in a proprietary environment. If you are interested in this kind of usage,
please feel free to contact us for an offer.



Analyse your dataJust analyze data first? Authenticate yourself with your client
credentials and create a new user in secure finAPI system. Log into your bank
account you would like to analyze or use one of our test accounts. Import data
and start various analyses. You can see the analysis result in JSON format.


Please find further information about implementation and usage of this API
here: Data Intelligence public documentation

If you need any help with the API, contact support@finapi.io.

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WELCOME TO FINAPI SCHUFA SERVICES!


The finAPI Schufa API is designed to support a Schufa Mobile Application by
providing access to Schufa end-user functionality, as available on the
meineSchufa Portal. Currently, it is connected to the meineSchufa Grow Portal
via a set of web scrapers.

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WELCOME TO SCHUFA FRAUDPOOL!

The Schufa FraudPool API is designed to support the Schufa FraudPool
application.

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WELCOME TO FINAPI WEB FORM 2.0!


finAPI's Web Form 2.0 is a complementary product to finAPI Access. It is our
product offering for Compliance-as-a-Service.

As a customer, if you do not have a PSD2 license or if you are interested in
using finAPI's license to manage end user credentials for bank communication, we
welcome you to explore the endpoints in this section further.
All POST endpoints will generate a unique URL. This URL can be provided to the
end customer. He/she can render a web form with it. finAPI will then orchestrate
the next steps between the end user and bank to complete the request.

Additional information about our API can be found here: Web Form 2.0 Public
Documentation

If you need any help with the API, contact support@finapi.io.

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WELCOME TO THE FINAPI SYSTEM ADMINISTRATION!


The System Administration API lets you administer the mandators/clients that
exist in the finAPI system.

Use the BASIC AUTH button in the navigation to log in with your Sys-Admin
credentials. Please use the ‘Change password’ service regularly to keep your
credentials secure.

Note that all requests to this API are being logged, and can be linked to your
person.

If you need any help with the API, contact support@finapi.io.

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WELCOME TO FINAPI PROCESS CONTROLLER!


This service can be used to create process IDs. Behind a process ID is a user,
which is managed by the system and returns an access token by retrieving the ID.

A process token can be attached to a link in emails or printed as a QR code,
which includes the link.

User management in the Processmanager is largely automated. A user is created
when a process token is created. This is automatically deleted after a
configurable period of time for the mandator if it is not used.
Alternatively, the deletion of the user can be initiated directly by calling the
invalidate or complete endpoint. In this case, a defined period of time also
applies until the user is finally deleted, in order to be able to terminate
other asynchronous internal system processes.


Please find further information about implementation and usage of this API
here: Data Intelligence public documentation


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WELCOME TO FINAPI SOLUTIONS!


This service provides APIs for finAPI's product solutions IdentCheck, GiroCheck
and KreditCheck (B2C/B2B).


Please find further information about implementation and usage of this API
here: Data Intelligence public documentation


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WELCOME TO FINAPI DATA INTELLIGENCE KEYWORD LABELLING!



This service use takes (bank-)transactions as an input. Based on the analysis of
transaction parameters like for example

 * purpose
 * amount
 * the counterpart's name, IBAN, BIC, creditor ID and/or mandate reference
 * transaction type, SWIFT, ZKA and SEPA code

it assigns
 * (keyword-)label(s)
 * contractual identifiers

to the transaction.



The assigned labels allow to group transactions, respectively filter them for a
specific use case. The labels cover the areas cash flow, risks and contracts.
Labels vary in level of detail; example: transaction assigned with the label
CAR_INSURANCE will be a subset of those labelled with the more generic
INSURANCE.

Please find further information about implementation and usage of this API
here: Data Intelligence public documentation

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WELCOME TO SCHUFA REST API!


This service provides an easy-to-use REST API, wrapping the access to the
SCHUFA-web-services SOAP API(s).

The service allows the usage of the SCHUFA Credit Check API (for example to
obtain the SCHUFA A-Auskunft, B-Auskunft, ...), the SCHUFA Identity Check, and
the SCHUFA Bank Account Check plus IBAN. Additionally, it is possible to execute
a name-similarity evaluation using an advanced algorithm from SCHUFA.

To use this service, SCHUFA credentials are required

finAPI provides and supports the REST API connectivity (technical support),
whereas the product support is provided directly by the SCHUFA. This includes

 * Providing the credentials ("Kennziffer").
 * Configuration of the enabled SCHUFA products for the provided credentials.
 * Documentation of the request parameters (example: featureCode/Merkmalcode for
   the SCHUFA Credit Check).
 * Documentation of the content of the returned response (example:
   featureCode/Merkmalcode for the SCHUFA Credit Check)

Please contact support@finapi.io for further details.

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