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Mastercard Open Banking Solutions
Documentation

--------------------------------------------------------------------------------


OVERVIEW


USING YOUR OWN LICENSE


USE CASES


E-COMMERCE PAYMENTS


TOP-UP PAYMENTS


PERSONAL FINANCIAL MANAGEMENT


BILL PAYMENTS


DIGITAL ONBOARDING


MERCHANT ONBOARDING


CONSUMER LENDING


DIRECT DEBIT SETUP


AIIA ENTERPRISE


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PROVIDERS


LICENSING


TPP CERTIFICATES


ACQUIRING


INSTALLATION


UK CERTIFICATES


CERTIFICATE RENEWAL


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENT


ADVANCED TOPICS


CORRELATION IDS


CONCURRENT REQUESTS


IDEMPOTENCY


RATE LIMITS


PAGING


PAYLOAD ENCRYPTION


CODE AND TOKENS


CONNECT


LOGIN FLOWS


SUPERVISED LOGIN


UNATTENDED LOGIN


IDENTIFYING USERS


BROWSER SUPPORT


ACCOUNTS AND TRANSACTIONS


ACCOUNT INFORMATION


TRANSACTIONS


DATA SYNCHRONIZATION


HANDLING CHANGES


TEXT CLEANUP


PAYMENTS


PAYMENT INITIATION


PAYMENT REQUEST DEFINITION AND VALIDATION


REQUEST PROPERTIES


VALIDATION


PROVIDER FUNCTIONALITY


MONITORING PAYMENTS


CHECKING THE STATUS OF AN INITIATED PAYMENT


PAYMENT STATE


FETCHING PAYMENT INITIATIONS


THE PAYMENT INITIATION MODEL


PAYMENT STATUS CODES


PAYER TOKEN


PAYMENT SCENARIOS


CODE AND FORMATS


ERROR HANDLING


PAYMENT ERRORS


PAYLOAD ENCRYPTION ERRORS


TESTING


TESTING ACCOUNTS AND TRANSACTIONS


TEST PROVIDERS FOR ACCOUNT INFORMATION


TESTING END-USER AUTHENTICATION


TESTING PAYMENTS


POSTMAN


API REFERENCE


TUTORIALS AND GUIDES


RECENT AND UPCOMING CHANGES TO AIIA ENTERPRISE


RECENT CHANGES


UPCOMING CHANGES


FAQ


INSIGHTS


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENTS


ADVANCED TOPICS


CONCURRENT REQUESTS


RATE LIMITS


API REFERENCE


BALANCE CHECK


OVERVIEW


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


USER JOURNEY


NEXT STEPS


ACCOUNT OWNER VERIFICATION


OVERVIEW


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


USER JOURNEY


NEXT STEPS


VERIFICATION OF INCOME


OVERVIEW


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


REPORT EXAMPLE


USER JOURNEY


NEXT STEPS


CODE AND FORMATS


TESTING


TEST PROVIDERS


POSTMAN


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PROVIDERS


TPP CERTIFICATES


ACQUIRING


INSTALLATION


TUTORIALS AND GUIDES


FAQ


USING OUR LICENSE


USE CASES


E-COMMERCE PAYMENTS


BILL PAYMENTS


TOP-UP PAYMENTS


PERSONAL FINANCIAL MANAGEMENT


DIGITAL ONBOARDING


MERCHANT ONBOARDING


DIRECT DEBIT SETUP


AIIA PAY


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENTS


CONNECT


CONNECT FLOW


SUPERVISED LOGIN


TOKEN REFRESH


SCOPES


FLOW MODIFICATION


BROWSER SUPPORT


ACCEPTING PAYMENTS


ACCEPT PAYMENTS INTEGRATION GUIDE


PAY BY LINK INTEGRATION GUIDE


MIGRATING FROM V1


ACCEPT PAYMENT V1 (DEPRECATED)


PAY BY LINK V1 (DEPRECATED)


PAYOUTS


REQUESTING PAYOUTS


REQUEST PROPERTIES


VALIDATION


PROVIDER FUNCTIONALITY


AUTHORIZING PAYOUTS


CREATE PAYMENTS


REQUEST AUTHORIZATION


RETRIEVE STATUS


CODE AND FORMATS


FAILURES


ERROR HANDLING


EVENT NOTIFICATIONS (WEBHOOKS)


EVENT TYPES


TESTING NOTIFICATIONS


PAYMENT NOTIFICATIONS


ADVANCED TOPICS


CONCURRENT REQUESTS


IDEMPOTENCY


CORRELATION IDS


RATE LIMITS


RESPONSE CACHING


PAGING


TESTING


TEST DATA


TESTING PAYMENTS


POSTMAN


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PAYMENT SCHEMES


API REFERENCE


PREVIEW API REFERENCES


DEPRECATED API REFERENCES


TUTORIALS AND GUIDES


SAMPLE PROJECT


CUSTOMER DUE DILIGENCE


FAQ


AIIA DATA


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENTS


CONNECT


CONNECT FLOW


ONE TIME FLOW


SUPERVISED LOGIN


TOKEN REFRESH


SCOPES


FLOW MODIFICATION


BROWSER SUPPORT


GET ACCOUNT INFORMATION


MULTI-CURRENCY ACCOUNTS


ORPHANED ACCOUNTS


SYNC STATUS


GET TRANSACTIONS


GET TRANSACTIONS


QUERY TRANSACTIONS


CODE AND FORMATS


FAILURES


ERROR HANDLING


PAYMENT ERRORS


DATA SYNCHRONIZATION


DATA ENRICHMENT


ADVANCED TOPICS


CONCURRENT REQUESTS


IDEMPOTENCY


CORRELATION IDS


RATE LIMITS


RESPONSE CACHING


PAGING


EVENT NOTIFICATIONS (WEBHOOKS)


EVENT TYPES


TESTING NOTIFICATIONS


TESTING


TEST DATA


POSTMAN


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PROVIDERS


API REFERENCE


TUTORIALS AND GUIDES


SAMPLE PROJECT


FAQ


INSIGHTS


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENTS


ADVANCED TOPICS


CONCURRENT REQUESTS


RATE LIMITS


API REFERENCE


BALANCE CHECK


OVERVIEW


BENEFITS


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


USER JOURNEY


NEXT STEPS


ACCOUNT OWNER VERIFICATION


OVERVIEW


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


USER JOURNEY


NEXT STEPS


ONE-TIME CONNECT FLOW


OVERVIEW


STEPS


NEXT STEPS


TESTING


TEST PROVIDERS


POSTMAN


CODES AND FORMATS


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PROVIDERS


TUTORIALS AND GUIDES


FAQ


BRAND GUIDELINES


THE AIIA NAME


THE AIIA LOGO


AIIA BUTTONS


USE YOUR OWN BUTTONS


GLOSSARY


SUPPORT


FAQ


GET HELP


LINKS

--------------------------------------------------------------------------------

Useful Links
Open Banking (Europe)


NAVIGATION

Mastercard Open Banking Solutions
Documentation

--------------------------------------------------------------------------------


OVERVIEW


USING YOUR OWN LICENSE


USE CASES


E-COMMERCE PAYMENTS


TOP-UP PAYMENTS


PERSONAL FINANCIAL MANAGEMENT


BILL PAYMENTS


DIGITAL ONBOARDING


MERCHANT ONBOARDING


CONSUMER LENDING


DIRECT DEBIT SETUP


AIIA ENTERPRISE


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PROVIDERS


LICENSING


TPP CERTIFICATES


ACQUIRING


INSTALLATION


UK CERTIFICATES


CERTIFICATE RENEWAL


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENT


ADVANCED TOPICS


CORRELATION IDS


CONCURRENT REQUESTS


IDEMPOTENCY


RATE LIMITS


PAGING


PAYLOAD ENCRYPTION


CODE AND TOKENS


CONNECT


LOGIN FLOWS


SUPERVISED LOGIN


UNATTENDED LOGIN


IDENTIFYING USERS


BROWSER SUPPORT


ACCOUNTS AND TRANSACTIONS


ACCOUNT INFORMATION


TRANSACTIONS


DATA SYNCHRONIZATION


HANDLING CHANGES


TEXT CLEANUP


PAYMENTS


PAYMENT INITIATION


PAYMENT REQUEST DEFINITION AND VALIDATION


REQUEST PROPERTIES


VALIDATION


PROVIDER FUNCTIONALITY


MONITORING PAYMENTS


CHECKING THE STATUS OF AN INITIATED PAYMENT


PAYMENT STATE


FETCHING PAYMENT INITIATIONS


THE PAYMENT INITIATION MODEL


PAYMENT STATUS CODES


PAYER TOKEN


PAYMENT SCENARIOS


CODE AND FORMATS


ERROR HANDLING


PAYMENT ERRORS


PAYLOAD ENCRYPTION ERRORS


TESTING


TESTING ACCOUNTS AND TRANSACTIONS


TEST PROVIDERS FOR ACCOUNT INFORMATION


TESTING END-USER AUTHENTICATION


TESTING PAYMENTS


POSTMAN


API REFERENCE


TUTORIALS AND GUIDES


RECENT AND UPCOMING CHANGES TO AIIA ENTERPRISE


RECENT CHANGES


UPCOMING CHANGES


FAQ


INSIGHTS


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENTS


ADVANCED TOPICS


CONCURRENT REQUESTS


RATE LIMITS


API REFERENCE


BALANCE CHECK


OVERVIEW


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


USER JOURNEY


NEXT STEPS


ACCOUNT OWNER VERIFICATION


OVERVIEW


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


USER JOURNEY


NEXT STEPS


VERIFICATION OF INCOME


OVERVIEW


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


REPORT EXAMPLE


USER JOURNEY


NEXT STEPS


CODE AND FORMATS


TESTING


TEST PROVIDERS


POSTMAN


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PROVIDERS


TPP CERTIFICATES


ACQUIRING


INSTALLATION


TUTORIALS AND GUIDES


FAQ


USING OUR LICENSE


USE CASES


E-COMMERCE PAYMENTS


BILL PAYMENTS


TOP-UP PAYMENTS


PERSONAL FINANCIAL MANAGEMENT


DIGITAL ONBOARDING


MERCHANT ONBOARDING


DIRECT DEBIT SETUP


AIIA PAY


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENTS


CONNECT


CONNECT FLOW


SUPERVISED LOGIN


TOKEN REFRESH


SCOPES


FLOW MODIFICATION


BROWSER SUPPORT


ACCEPTING PAYMENTS


ACCEPT PAYMENTS INTEGRATION GUIDE


PAY BY LINK INTEGRATION GUIDE


MIGRATING FROM V1


ACCEPT PAYMENT V1 (DEPRECATED)


PAY BY LINK V1 (DEPRECATED)


PAYOUTS


REQUESTING PAYOUTS


REQUEST PROPERTIES


VALIDATION


PROVIDER FUNCTIONALITY


AUTHORIZING PAYOUTS


CREATE PAYMENTS


REQUEST AUTHORIZATION


RETRIEVE STATUS


CODE AND FORMATS


FAILURES


ERROR HANDLING


EVENT NOTIFICATIONS (WEBHOOKS)


EVENT TYPES


TESTING NOTIFICATIONS


PAYMENT NOTIFICATIONS


ADVANCED TOPICS


CONCURRENT REQUESTS


IDEMPOTENCY


CORRELATION IDS


RATE LIMITS


RESPONSE CACHING


PAGING


TESTING


TEST DATA


TESTING PAYMENTS


POSTMAN


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PAYMENT SCHEMES


API REFERENCE


PREVIEW API REFERENCES


DEPRECATED API REFERENCES


TUTORIALS AND GUIDES


SAMPLE PROJECT


CUSTOMER DUE DILIGENCE


FAQ


AIIA DATA


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENTS


CONNECT


CONNECT FLOW


ONE TIME FLOW


SUPERVISED LOGIN


TOKEN REFRESH


SCOPES


FLOW MODIFICATION


BROWSER SUPPORT


GET ACCOUNT INFORMATION


MULTI-CURRENCY ACCOUNTS


ORPHANED ACCOUNTS


SYNC STATUS


GET TRANSACTIONS


GET TRANSACTIONS


QUERY TRANSACTIONS


CODE AND FORMATS


FAILURES


ERROR HANDLING


PAYMENT ERRORS


DATA SYNCHRONIZATION


DATA ENRICHMENT


ADVANCED TOPICS


CONCURRENT REQUESTS


IDEMPOTENCY


CORRELATION IDS


RATE LIMITS


RESPONSE CACHING


PAGING


EVENT NOTIFICATIONS (WEBHOOKS)


EVENT TYPES


TESTING NOTIFICATIONS


TESTING


TEST DATA


POSTMAN


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PROVIDERS


API REFERENCE


TUTORIALS AND GUIDES


SAMPLE PROJECT


FAQ


INSIGHTS


QUICK START


API BASICS


API AUTHENTICATION


ENVIRONMENTS


ADVANCED TOPICS


CONCURRENT REQUESTS


RATE LIMITS


API REFERENCE


BALANCE CHECK


OVERVIEW


BENEFITS


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


USER JOURNEY


NEXT STEPS


ACCOUNT OWNER VERIFICATION


OVERVIEW


PARTICIPANTS AND INTERACTIONS


HOW IT WORKS


USER JOURNEY


NEXT STEPS


ONE-TIME CONNECT FLOW


OVERVIEW


STEPS


NEXT STEPS


TESTING


TEST PROVIDERS


POSTMAN


CODES AND FORMATS


PRODUCTION


ACCESSING PRODUCTION DATA


SUPPORTED PROVIDERS


TUTORIALS AND GUIDES


FAQ


BRAND GUIDELINES


THE AIIA NAME


THE AIIA LOGO


AIIA BUTTONS


USE YOUR OWN BUTTONS


GLOSSARY


SUPPORT


FAQ


GET HELP


LINKS

--------------------------------------------------------------------------------

Useful Links
Open Banking (Europe)
Mastercard Open Banking Solutions


COPIEDWELCOME TO THE MASTERCARD OPEN BANKING

--------------------------------------------------------------------------------

Mastercard Open Banking in Europe provides a set of APIs that enables both
licensed and unlicensed Third Party Providers (TPPs) to enrich their products,
provide higher-quality services, and enable secure payment initiation. TPPs can
either leverage Mastercard’s Open Banking license or their own, if applicable,
for multiple use cases including payment initiation. Mastercard offers a fully
owned, globally scaled suite of services integrated with security, loyalty,
payments, decisions, and data enrichment capabilities.

With our solution, the TPP does not need to integrate into all European banks.
That would be time consuming, and banks have their own implementation of Open
Banking APIs, hence we abstract complexity. To access the benefits of Open
Banking, TPPs only need access to our API.

These guides and examples explain how TPPs can connect to their users financial
data to make and receive payments using Open Banking.

Open Banking solutions in Europe are provided by Mastercard Open Banking
Solutions.


COPIEDOPEN BANKING APIS

--------------------------------------------------------------------------------

Depending on the solution you want to develop and whether you have an Open
Banking license or not, Mastercard provides a set of products to suits your
needs.


COPIEDUSING YOUR OWN LICENSE

--------------------------------------------------------------------------------

Open banking connectivity for TPPs with a suite of additional managed services,
enabling you to build with open banking whilst staying in full control as a TPP
(Aiia Enterprise) as well as retrieving actionable data insights (Insights).

Learn more →


COPIEDUSING OUR LICENSE

--------------------------------------------------------------------------------

Leverage our open banking license to access raw account and transactional data
(Aiia Data), make or receive payments (Aiia Pay) as well as receive actionable
data insights (Insights).

Learn more →


COPIEDWHAT IS OPEN BANKING?

--------------------------------------------------------------------------------

Open Banking is a technology that allows account data sharing and payment
initiation between Account Servicing Payment Service Providers (ASPSPs) and
Third Party Providers (TPPs) in a way that benefits the data owners, users. Open
Banking simplifies the process of accessing financial data and makes it more
secure.


COPIEDHOW IT WORKS

--------------------------------------------------------------------------------


 1.  A user accesses a TPP’s service that requires use of their financial data.
 2.  The TPP initiates workflow using the Mastercard Open Banking Solution.
 3.  The Mastercard Open Banking Solution requests the user to provide consent
     to access their financial data.
 4.  The user provides consent.
 5.  The Mastercard Open Banking Solution redirects the user to the ASPSP to
     authorize access to their data.
 6.  The ASPSP requests the user to authorize the data sharing.
 7.  The user selects the accounts to which access is required and authorizes
     the access.
 8.  The ASPSP returns the requested customer’s financial data to the Mastercard
     Open Banking Solution.
 9.  The Mastercard Open Banking Solution provides the requested data to support
     the TPP service.
 10. The TPP provides the requested service to the user.


COPIEDMORE INFORMATION

--------------------------------------------------------------------------------

Refer to our FAQs for information on common questions.

For real-world examples of how to apply our APIs, refer to the using your own
license Use Cases and using our license Use Cases sections as required.


COPIEDGET HELP

--------------------------------------------------------------------------------

Complete the Contact Usopens in a new tab form if you have any questions or
require assistance.

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 * Privacy Noticeopens in a new tab
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 * Statusopens in a new tab
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