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Services

Following services can be selected for Production use:

  • payment initiation (receive payments from clients)
  • account information
  • credit scoring
info

All services will work in Sandbox access

Payments

Receiving payments from clients (end-users) to configured Point of sale

Account information

Three distinct levels of access are possible and are corresponding account inquiry scope(s):

  • Account ownership check
  • Account information and balance check
  • Account information and list of transactions (up to 180 days)

Type of access is configured via Account inquiry

Account ownership check​

Account ownership only retrieves:

  • the account holder (name and surname) and
  • IBAN account number.
note

Not all banks return the account holder in the same manner:

  1. Some return the name followed by the surname, or vice versa surname followed by the name.
  2. Some accented/special characters are also omitted, i.e.: ČŠŽÖ...

Account information and balance check​

Account information and balance check will retrieve the:

  • account holder,
  • IBAN account number and
  • current account balance in account currency.

Account information and list of transactions (up to 180 days1)​

Account information and list of transactions (or full access) will retrieve:

  • the account holder IBAN account number and
  • a list of transactions up to 180 days in the past, from the time of the granted consent.

This access will not retrieve account balance and account owner information, thus we offer all access option to retrieve all information from all three access options to get the full picture.

note

The account balance and the calculated balance in the transaction list may not match. This is because these two data points are retrieved separately, and some transactions may not yet be booked, or the balance may not have been updated.

info

The account holder can revoke the account access at any point in time if he wishes to do so.

Risk scoring

Model based account transaction analysis providing a "score" of the spending habits for one or multiple accounts.

Footnotes​

1 Access to account data is currently limited to 180 days. Under PSD2/RTS, the account access must be renewed at least every 180 days. Once 180 days passed the access will be denied unless renewed.