PSD2
PSD2
Welcome to the Cooperative Bank in Szczytno. We hope your visit is the beginning of fruitful cooperation and more benefits for our Clients.
The PSD2 directive opens the era of open banking – introducing regulations stemming from the development of payment services, allowing the utilization of the dynamics of technological development in the field of electronic and mobile payments. It also provides the opportunity to create innovative financial products. This is made possible by the introduction of a new type of independent service providers in the payment services market defined as third-party providers (Third Party Provider). These entities, acting on behalf of the Client, will offer new services based on information obtained from electronic banking systems.
If you are a TPP representative preparing to introduce new services for our Clients – we invite you to cooperate.
1. SPECIAL INTERFACE DOCUMENTATION
In accordance with the requirements of the PSD2 directive, we have prepared a special interface that allows access to payment accounts, verification of fund availability, and initiation of transactions by authorized TPP entities.
The chosen standard of the interface is PolishAPI version 2.1.1.
1.1. Summary of the technical documentation of the special interface
Introduction
We present to you the API interface created in accordance with the Payment Services Directive (PSD2), aimed at providing a secure and easy-to-use set of financial services made available by the Bank. The presented interface complies with the PolishAPI standard developed by the Polish Bank Association for the purpose of implementing the PSD2 directive in Poland.
The API interface has been built according to the latest technological standards using REST, OAuth2, JSON mechanisms and secure electronic signature eIDAS. The interface provides a set of services for authentication, authorization, and consent management.
The implementation includes services from the domain of:
- AIS (Account Information Service) – a set of services providing information about the Client's accounts,
- PIS (Payment Initiation Service) – services enabling the initiation of payments,
- CAF (Confirmation of the Availability of Funds) – services for confirming the availability of the amount necessary to carry out a payment transaction on the Payer's payment account.
The interface is made available to all certified TPPs (Third Party Providers) – entities authorized to access financial services based on consents issued by the Client.
List of services
| AUTH | AIS | CAF | PIS |
|---|---|---|---|
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1.2. Technical documentation of the special interface
If you need technical documentation, please contact us by filling out and sending the order form to the email address: . After the successful verification of TPP permissions, we will provide the technical documentation of the interface free of charge.
2. TEST ENVIRONMENT SANDBOX
For TPP needs, we have prepared and launched a special Sandbox test environment. It mirrors the functionality of electronic banking available to our Clients. Thanks to this, you already have the opportunity to conduct tests of integrating the special interface with your own systems.
Access to the test environment can only be granted to authorized TPP entities. Therefore, please send the completed order form to the email address:
After the successful verification of TPP permissions, we will provide the Sandbox address.
3. PRODUCTION ENVIRONMENT
Since June 14, 2019, we have prepared and launched a production environment for the special interface for TPP needs.
Access to the production environment can be found at the URL psd2-api.bsszczytno.pl
4. SERVICE INFORMATION
4.1. Reports of accessibility obstacles to the interface
We are committed to good cooperation and expanding our offering for our Clients with innovative, life-easing financial products. Therefore, if you encounter obstacles during the integration testing phase – please provide us with that information. We will do our best to resolve these issues.
Please send the completed problem report form to the email address:
We will respond at the earliest possible date after the prior verification of TPP permissions.
4.2. Maintenance breaks
The electronic banking systems, the Sandbox test environment, as well as the ultimate production interface, require periodic maintenance work. This is associated with a brief lack of access to data for both TPP and our Clients. Information about planned maintenance breaks will be published on this page in advance.
5. REPORTS
On our website, we will publish quarterly performance reports of the special interface for TPP and the internet banking that our clients use.
| API PSD2 | Internet Banking | |||
| Reported quarter | Availability (%) | Unavailability (%) | Availability (%) | Unavailability (%) |
| 01.02.2024 r. – 29.02.2024 r. | 100.00 | 0.00 | 100.00 | 0.00 |
| 01.01.2024 r. – 31.01.2024 r. | 100.00 | 0.00 | 100.00 | 0.00 |
| 01.10.2023 r. – 31.12.2023 r. | 100.00 | 0.00 | 100.00 | 0.00 |
| 01.07.2023 r. – 30.09.2023 r. | 99.99 | 0.01 | 100.00 | 0.00 |
| 01.04.2023 r. – 30.06.2023 r. | 99.99 | 0.01 | 99.86 | 0.14 |
| 01.01.2023 r. – 31.03.2023 r. | 99.96 | 0.04 | 100.00 | 0.00 |
| 01.10.2022 r. – 31.12.2022 r. | 99.80 | 0.20 | 100.00 | 0.00 |
| 01.07.2022 r. – 30.09.2022 r. | 100.00 | 0.00 | 100.00 | 0.00 |
| 01.04.2022 r. – 30.06.2022 r. | 100.00 | 0.00 | 100.00 | 0.00 |
| 01.01.2022 r. – 31.03.2022 r. | 100.00 | 0.00 | 99.98 | 0.02 |