Introduction to LHV Open Banking

Introduction

Welcome to LHV Open Banking & PSD2 API page!
Here you will find all the much needed information to get started with our API, including:

  • access and usage
  • environments
  • introduction to services and details

Our PSD2 API covers the features listed in PSD2 regulation, including:

  • Account information service (AIS)
  • Payment initiation service (PIS)
  • Confirmation on the Availability of Funds Service (FCS or AIIS)

Our API is a RESTful API interface based on the Berlin Group Standard. You can obtain the full documentation here.

LHV Status Page - information and announcements about LHV services status and any interruptions.

Latest Updates

DATECHANGE
27.04.2021New functionality - decoupled SCA in Oauth. With this update now the whole Payments flow can executed with Decoupled SCA.
01.12.2020New functionality - decoupled authentication for Payments. Decoupled for OAuth and Account Info Services still under development.
26.08.2020Published new functionality for account owner verification.
09.04.2020Added new service for Accounts List without previous consent - very useful service for
Payment Service Providers to get the usable payments account list and provide smoother user experience.
09.04.2020Added entryReference to Read Account's Transactions List service - unique ID
that can be used to separate and identify payment transactions.
23.09.2019Page initial version published

Access and Usage

You can integrate with our API if you are:

  • Third Party Payment Service Provider aka TPP - a company who is developing some app or system which requests access to private or corporate LHV customers accounts
  • Other bank or credit institution aka ASPSP.

To start using the Open Banking API in live you should first obtain a valid licence from the authorities - Estonian Finance Inspection.
Banks (ASPSPs) hold this licence already by default.
More information here.

To verify if you are authorized to use the services you can check the EBA online database: https://euclid.eba.europa.eu/register/

We also provide a Sandbox testing environment which you can use when preparing for your live integration or just trying out the Open Banking features.
It is also free to use by everybody and no licence is required.

Access Certificates

Our API is using the PSD2 compliant eIDAS QWAC transport layer certificate for identifying and verifying the TPP. eIDAS QSEAL certificate is not required or supported for now.
Currently also no other methods or certificate types are supported.

You can order the QWAC certificate from a number of different providers across Europe - provided you are holding the TPP licence mentioned above.
You can read about these here.

Opening access and first usage

We do not require signing any agreements or have extra validation procedures when granting access to live.

Also it is not required to send us your PSD2 eIDAS certificates manually. We will receive your certificate automatically when you request any of our API endpoints. For example execute this with dummy data:

curl -k -vvvv --cert ./cert.pem --key ./key.pem -d '{"account":{"iban":"EE717700771001735865" },"instructedAmount":{"amount":1444.77,"currency":"EUR"}}' -H 'Authorization: Bearer Liis-MariMnnik' -X POST https://api.lhv.eu/psd2/v1/funds-confirmations

Replace cert.pem and key.pem with your QWAC certificate and key files.

After making the request please contact us at openbanking@lhv.ee and we will grant you access in a few hours.
This is a temporary safety procedure during the first months of the PSD2 era to verify that the whole infra behind the scenes also work correctly - including these not provided by LHV.

Environments

Live

As described below in Access and Usage section you can get live access only with official licencing and production QWAC certificate.

Live base url is: https://api.lhv.eu/psd2/v1

Sandbox

Sandbox test environment is our free to access testing environment. It is technically also very similar to live environment - the services, JSon structure etc. is the same.

Link to Sandbox - https://sandboxapi.lhv.eu/psd2/swagger-ui.html

There is no dedicated developers portal or account required to start using the Sandbox. You can use Sandbox directly in Swagger or similar to live -
executing the API endpoints directly using your own developed client application or some testing tool like Postman.

Base url of Sandbox is: https://sandboxapi.lhv.eu/psd2/v1

Access certificate

Sandbox is not using production QWAC certificates, but custom testing certificates which you can generate automatically.
Create your own certificate here.
Store the Private key and Certificate contents as *.key and *.crt files. You can use these like you would use official certificate and key in production.
Please extract your TPP id from the certificate file. It should be visible on Subject > 2.5.4.97 field and should look like PSDEE-LHVTEST-[random combination]
For example - PSDEE-LHVTEST-c1dec9
Use this value in your OAuth request client_id. For example: https://sandboxapi.lhv.eu/psd2/oauth/authorize?scope=psd2&response_type=code&client_id=PSDEE-LHVTEST-c1dec9&redirect_uri=http%3A%2F%2Flocalhost%2Fapi&state=st1

Sandbox Swagger is using built-in default access certificate with client_id value PSDEE-LHVTEST-01AAA

This TPP id value is similar and used the same way as your id in production. For example LHV Pank TPP id is PSDEE-FI-10539549.

Accounts and data

Sandbox has following default OAuth access tokens and accounts available:

  • bearer Liis-MariMnnik: EE717700771001735865, EE277700771001735881, EE457700779900289935. Also PSU-Corporate-ID value for customer verification is EE47101010033.
  • bearer Donaldduck: EE857700771001735904

You can use these access tokens and accounts in combination provided or use the same account numbers with your own access tokens.

Services

Our API has two main sets of services:

  • OAuth 2.0 services for user identification. OAuth token is needed to get access to other services.
  • Services covering the NextGenPSD2 specification of Berlin Group standard.

Currently all our services are using SCA (strong customer authentication) based on redirect method!

OAuth

OAuth 2.0 services are used for user identification and authentication. The acquired access token must be used to get access to actual NextGenPSD2 services.

Currently we are supporting Redirect and Decoupled SCA methods.

Redirect method and Oauth User Interface

To begin the authorization process you must first redirect your customer to the login UI page.

Use the URI https://api.lhv.eu/psd2/oauth/authorize with the following GET query parameters:

ParameterDescription
scopepsd2 (constant value).
response_typecode (constant value). Specifies that authorization_code flow is used.
client_idThe value of organization identifier found inside TPP certificate on whose behalf the user will be authenticated.
redirect_uriTPP uri where user will be redirected after authentication.
stateA random string specified by the TPP to be returned after authentication. Can be used to link authentication flow.

The same authentication options are available as in LHV Internet Bank - Smart-ID, Mobile-ID, ID Card and PIN Calculator. When authentication succeeds, user is redirected to TPP system defined in the redirect_uri parameter with an additional access code (GET parameter "code").

Sample links:

  • Sandbox: https://sandboxapi.lhv.eu/psd2/oauth/authorize?scope=psd2&response_type=code&client_id=PSDEE-FI-12345678&redirect_uri=https://tppsystem.com/callback&reference=123
  • Live: https://api.lhv.eu/psd2/oauth/authorize?scope=psd2&response_type=code&client_id=PSDEE-FI-12345678&redirect_uri=https://tppsystem.com/callback&reference=123

After authentication the user will be redirected back to the URI specified in redirect_uri and the address will be appended with the following query parameters:

ParameterDescription
codeUnique temporary authorization code generated by the PSD2 API used for /oauth/token service. It expires in 3600 seconds.
stateContains the same value as in /oauth/authorize.
errorPresent only if there was an error during the authentication.
error_descriptionIf there was an error then contains the error information.

Decoupled method

Start Decoupled Authorization

To begin the authorization process you must execute the Authorizations service: POST /v1/oauth/authorisations
Upon incoming request the username and another value (depending on the selected method) will be matched and if a correct match is found then an authorisation process is started and a verification code is returned for Smart-ID and Mobile-ID.

  • Request

HTTP headers:

FieldTypeValueM/ODescription
Content-TypeStringapplication/jsonM
PSU-Accept-LanguageStringET/EN/RUODefault value will be ET, TPP can change the message language the PSU receives based on PSU preferences
PSU-Corporate-IDStringCustomer personal code with reg. countryOMandatory for Smart-ID, optional for others. This value should match to personal code value we find based on PSU-ID. The check is always done if a value is provided by the TPP.
PSU-IDStringCustomers internet bank login handleM
X-Request-IDUUID99391c7e-ad88-49ec-a2ad-99ddcb1f7722MUnique ID specified by the TPP

Body:

FieldTypeValueM/OComment
authenticationMethodIdStringMID/SID/PIN/EIDMChosen method for authentication
scaAuthenticationDataStringMobile number or number from PIN calculator. For EID it is the certificate that was used to authenticateCMandatory for MID/PIN/EID approach, ignored otherwise
  • Sample - MID:
POST https://api.lhv.eu/psd2/v1/oauth/authorisations
Content-Type: application/json
X-Request-ID: 99391c7e-ad88-49ec-a2ad-99ddcb1f7722
PSU-ID: Liis-MariMnnik
Date: Sun, 06 Aug 2017 15:02:37 GMT

{
    "authenticationMethodId": "MID"
    ,"scaAuthenticationData": "+3725127862"
}
  • Sample - SID:
POST https://api.lhv.eu/psd2/v1/oauth/authorisations
Content-Type: application/json
X-Request-ID: 99391c7e-ad88-49ec-a2ad-99ddcb1f7722
PSU-ID: Liis-MariMnnik
PSU-Corporate-ID: EE47101010033
Date: Sun, 06 Aug 2017 15:02:37 GMT

{
    "authenticationMethodId": "SID"
    ,"scaAuthenticationData": "null"
}
  • Response

HTTP headers:

FieldTypeValueM/OComment
X-Request-IDString99391c7e-ad88-49ec-a2ad-99ddcb1f7722MID of the request, unique to the call, as determined by the initiating party.
Content-TypeStringapplication/jsonM

Body:

FieldTypeValueM/OComment
authorisationIdString (UUID)MId of the generated authorisation
scaStatusStringMStatus of the generated authorisation
chosenScaMethod.authenticationTypeStringMSelected method for identification
chosenScaMethod.authenticationMethodIdStringSID/MID/PINMId of the selected method
challengeData.dataStringIntegerMA verification code from 0000 to 9999 calculated based on random string
challengeData.additionalInformationStringMThe same text that we show to the user in the SID or MID application
_links.scaStatus.hrefString/v1/oauth/authorisations/{authorisationId}MLink to ask for the SCA status
  • Sample:
HTTP/1.x 201 Created
X-Request-ID: 99391c7e-ad88-49ec-a2ad-99ddcb1f7721
Date: Sun, 06 Aug 2017 15:02:42 GMT
Content-Type: application/json
{
    "authorisationId": "245074d5-cf8d-4823-8164-a311b33b0ed0",
    "scaStatus": "scaMethodSelected",
    "chosenScaMethod": {
        "authenticationType": "SMS_OTP",
        "authenticationMethodId": "MID"
    },
    "challengeData": {
        "data": "1234",
        "additionalInformation": "Authenticate user"
    },
    "_links": {
        "scaStatus": {
            "href": "https://api.lhv.eu/psd2/v1/oauth/authorisations/245074d5-cf8d-4823-8164-a311b33b0ed0"
        }
    }
}
Check Decoupled Authorization status

GET /v1/oauth/authorisations/:authorisationId

This service is used to check the status of an authentication and to retrieve authentication code which can be exchanged for a token. Also shows the available roles if the authentication was successful. Once the code is used and a token is generated the next request will change the status to SPENT and the TPP will no longer be able to see information about selected or available roles.

  • Request

authorisationId - authorisationId returned by Start Decoupled Authorization service

HTTP headers:

FieldTypeValueM/ODescription
X-Request-IDUUID99391c7e-ad88-49ec-a2ad-99ddcb1f7722MUnique ID specified by the TPP

Sample:

GET https://api.lhv.eu/psd2/v1/oauth/authorisations/99391c7e-ad88-49ec-a2ad-99ddcb1f7722
X-Request-ID: 99391c7e-ad88-49ec-a2ad-99ddcb1f7722
Date: Sun, 06 Aug 2017 15:02:37 GMT
  • Response

HTTP headers:

FieldTypeValueM/OComment
X-Request-IDString99391c7e-ad88-49ec-a2ad-99ddcb1f7722MID of the request, unique to the call, as determined by the initiating party.
Content-TypeStringapplication/jsonM

Body:

FieldTypeValueM/OComment
scaStatusStringAuthentication statusMStatus of the generated authorisation
authorisationCodeStringCode generated after successful authenticationOOnly when FINALISED
selectedRoleObject-OOnly when FINALISED
selectedRole.idStringPersonal code or registry code with country identifierM
selectedRole.nameStringName of the person or companyM
availableRolesArray-OOnly when FINALISED
availableRoles.idStringPersonal code or registry code with country identifierM
availableRoles.nameStringName of the person or companyM
tppMessages.categoryStringERRORM
tppMessages.codeStringAuthentication codeM
tppMessages.textStringExternal service returned an error. Please refer to the external service public specification for details.M
  • Sample - authorization started:
HTTP/1.x 200 OK
X-Request-ID: 99391c7e-ad88-49ec-a2ad-99ddcb1f7722
Content-Type: application/json
Date: Sun, 06 Aug 2017 15:02:42 GMT
{
    "scaStatus": "started"
}
  • Sample - Failed status with TPP message:
HTTP/1.x 200 OK
X-Request-ID: 99391c7e-ad88-49ec-a2ad-99ddcb1f7722
Content-Type: application/json
{
    "scaStatus": "failed",
    "tppMessages": [
        {
            "category": "ERROR",
            "code": "WRONG_VC",
            "text": "External service returned an error. Please refer to the external service public specification for details."
        }
    ]
}
  • Sample - Finalised status with role selection:
HTTP/1.x 200 OK
X-Request-ID: 39db509c-7e0f-4f47-9d91-38980e9f0cf6
Date: Sun, 06 Aug 2017 15:02:42 GMT
Content-Type: application/json
{
    "scaStatus": "finalised",
    "authorisationCode": "AA532908s",
    "selectedRole": {
        "id": "EE39800929832",
        "name": "Jaan Jaanson"
    },
    "availableRoles": [
        {
            "id": "EE39800929832",
            "name": "Jaan Jaanson"
        },
        {
            "id": "EE223452",
            "name": "Jaana Jaanson"
        },
        {
            "id": "LV289032",
            "name": "AS Läti Õlu"
        }
    ]
}
  • Sample - Spent status example:
HTTP/1.x 200 OK
X-Request-ID: 39db509c-7e0f-4f47-9d91-38980e9f0cf6
Date: Sun, 06 Aug 2017 15:02:42 GMT
Content-Type: application/json
{
    "scaStatus": "spent"
}
Change Decoupled Authorization role

PATCH /v1/oauth/authorisations/:authorisationId

This service is used to change the role the user is requesting access to - if user has access to any other legal entity or person accounts. This section behaves similarly to the selection screen in the Oauth UI. Changing the role can only be done when the authorisation code is not yet used.

  • Request

authorisationId - authorisationId returned by Start Decoupled Authorization service

HTTP headers:

FieldTypeValueM/ODescription
X-Request-IDUUID99391c7e-ad88-49ec-a2ad-99ddcb1f7722MUnique ID specified by the TPP

Body:

FieldTypeValueM/OComment
selectedRoleObjectM
selectedRole.idStringPersonal code or registry code with country identifierCMatching one of the availableRoles objects from Authorization status response
  • Sample:

PATCH https://api.lhv.eu/psd2/v1/oauth/authorisations/99391c7e-ad88-49ec-a2ad-99ddcb1f7722
X-Request-ID: 99391c7e-ad88-49ec-a2ad-99ddcb1f7722
Date: Sun, 06 Aug 2017 15:02:37 GMT
Content-Type: application/json
{
    "selectedRole": {
        "id": "LV289032"
    }
}
  • Response

HTTP headers:

FieldTypeValueM/OComment
X-Request-IDString99391c7e-ad88-49ec-a2ad-99ddcb1f7722MID of the request, unique to the call, as determined by the initiating party.
Content-TypeStringapplication/jsonM

Body:

FieldTypeValueM/OComment
tppMessagesArray-OOnly for unsuccessful requests
tppMessages.categoryStringERRORM
tppMessages.codeStringError codeM
tppMessages.textStringExternal service returned an error. Please refer to the external service public specification for details.M
  • Sample - selected successfully:
HTTP/1.x 204 No Content
X-Request-ID: 99391c7e-ad88-49ec-a2ad-99ddcb1f7722
Date: Sun, 06 Aug 2017 15:02:42 GMT
  • Sample - Incorrect role id provided by TPP:
HTTP/1.x 400 Bad Request
X-Request-ID: 99391c7e-ad88-49ec-a2ad-99ddcb1f7722
Content-Type: application/json
{
    "tppMessages": [
        {
            "category": "ERROR",
            "code": "ROLE_UNAVAILABLE",
            "text": "The provided role id is not available for this user."
        }
    ]
}

Oauth Token Service

Use the code retrieved from authentication to generate the actual Oauth 2.0 access token and refresh token.
Service POST /oauth/token returns the tokens:

  • access_token - token with short lifetime of 3600 seconds
  • refresh_token - token with long lifetime of 90 days. It can be used to generate a fresh access token.
ParameterDescription
client_idTPP Id from QWAC Certificate. Must match client_id from the previous Autjorize request.
grant_typeUse value authorization_code for new token generation and refresh_token to refresh your token.
codeMandatory when when creating a new access and refresh token pair. Received from /oauth/authorize. To refresh your token use refresh_token parameter instead.
redirect_uriMandatory when when creating a new access and refresh token pair. Must match the value used on /oauth/authorize.
refresh_tokenMandatory when when creating refreshing existing refresh token. Use previous refresh_token value.

Sample request:

{
    curl --location --request POST 'https://sandboxapi.lhv.ee/psd2/oauth/token' \
     --header 'Content-Type: application/x-www-form-urlencoded' \
     --data-urlencode 'client_id=PSDEE-LHVTEST-60f0a7' \
     --data-urlencode 'grant_type=authorization_code' \
     --data-urlencode 'redirect_uri=https://tppsystem.com/callback' \
     --data-urlencode 'code=WPYoma'

}

Sample response:

{
      "access_token": "9bf02227-0cce-4cf2-b078-add4f0c34164",
      "token_type": "bearer",
      "refresh_token": "7f77af57-83be-45c0-9778-6ce665ae2e26",
      "expires_in": 3599,
      "scope": "psd2"
}

Some key points and additional tips:

  • Token service POST /oauth/token always returns the latest active tokens - if the short access_token is valid it returns the same access_token also when calling multiple times.
  • Token service also returns the same refresh_token value for the whole validity period - also when starting the new flow from the UI at /psd2/oauth/authorize

Account Information - AIS

With account information services TPP will get access to accounts list and information, account balances and lists of transactions (account statements).
Link to Swagger specification.

Some key points for LHV accounts and how they are provided in the API:

  • Access to more than 90-days account statements is provided by short-term consents. More info under Consents services.
  • LHV Accounts are multi-currency - they can hold several currencies at a time on one IBAN. If someone makes a payment to the accounts in different currencies like EUR, GBP or DDK, they will all show up there.

Account Information Consents

Account information consent is required to execute any of the account information services.
Link to Swagger specification.

There are two main types of consents from the perspective of life-cycle:

  • long-term consents - provides access to account information for a longer period, typically for 90 days. Typically used for cases where customer interaction is longer
    like providing account balances in some 3rd party app. There can be one long-term consent at a time for one user per TPP and older ones are closed automatically.
    It also provides access to list of transactions up to 90 days in the past following the SCA requirements of PSD2. Long-term consent is created with POST /consents service parameter "recurringIndicator": true.

  • short-term consents - provides access to account information for 30 minutes only. Typically used for cases where customer interaction is short like getting the accounts list before payment initiation or customer data analysis.
    It also provides access to list of transactions more than 90 days in the past following the SCA requirements of PSD2. Short-term consent is created with POST /consents service parameter "recurringIndicator": false.

Notes about consent parameters:

  • access.availableAccounts - add parameter value "allAccounts" to select all available accounts by default
  • access.balances and access.iban - add list of account IBAN's selected by default
  • combinedServiceIndicator - mandatory tag, no actual use currently
  • frequencyPerDay - limits how many requests can be done without PSU activity. Counter is used when executing "Read Account Balances" or "Read Account's Transactions List" services without PSU-IP-Address parameter. If limit us used up these services will repond with error ACCESS_EXCEEDED.
  • recurringIndicator - long-term (true) or short-term (false) consent.
  • validUntil - consent validity end date. Relevant for long-term consents.

Consent Confirmation UI

Consent Confirmation UI is the redirect based UI where user can grant or deny the TPP request to get access to accounts data. User can see and verify exactly what services and accounts shall be included in the consent.

  • if "availableAccounts": "allAccounts" was provided in the consent request then all available accounts and both "balances" and "transaction list" services are selected by default. If it is not added, then these are not selected. User can still change the checkboxes.
  • if actual account numbers are provided in the "balances" or "transactions" blocks of the consent request then the matching accounts and services are also selected in the UI. User cant change these checkboxes and only has an option to decline.
  • currently it is not possible pre-select only one of the services checkboxes without knowing the account numbers beforehand.

Accounts List without previous consent

Returns basic accounts list - list of customer payment accounts and nicknames. Very useful service for Payment Service Providers to get the usable payments account list and provide smoother user experience. This service does not require AIS Consent and is available for TPP's with AIS, PIS and PIISP licences and is usable with valid OAuth authorization.
Link to Swagger specification.

NB! Service is not part of standard Berlin Standard set of services, but very much expected feature for TPP's and also legal according to PSD2 regulation. Future additions to Berlin Standard might bring changes to this feature.

Payments - PIS

Payments API Covers different options for Payment Initiation Services (PIS).

Link to Swagger specification.

Payment Methods and Schemes

Our SEPA payments service supports both SEPA and SEPA Instant payments. Routing is done automatically:

  • payment to another LHV Pank account is done instantly
  • payment to another account in SEPA Insatant RT1 payments system will be executed automatically as a SEPA Instant payment
  • if target account is not in the RT1 payments system or SEPA Instant fails for some other reason it is processed as a regular SEPA payment

Other notes and information:

Payment Authorization and SCA

Currently every payment must be authorized by the customer with SCA (Strong Customer Authorization) unless it falls into any of the excemption categories.

Currently we support following authorization methods:

  • Redirect

To use Redirect method Payment Initiation service POST payments/sepa-credit-transfers expects following HTTP headers:

  • TPP-Redirect-Preferred=true or null.
  • TPP-Redirect-URI - the TPP uri where to redirect user after successful authorization.
  • TPP-Nok-Redirect-URI - the TPP uri where to redirect user after unsuccessful or rejected authorization. When not provided - only Decoupled authorization links are returned.

In our API for Redirect you do not have to use additional authorization endpoints. Payment Initiation response contains the _links.scaRedirect.href value - UI uri where to redirect the PSU for Authorization:

  "_links": {
    ...
    "scaRedirect": {
      "href": "https://api.lhv.eu/psd2/ui/payment/sepa/ff27a963-e486-4d63-8ad1-7d4f12345678"
    }
  }

When user completes the authorization in the UI payment is executed automatically and you can use the Payment Status service (GET /payments/sepa-credit-transfers/{paymentId}/status) to check the execution status.

  • Decoupled

Decoupled authorization links are always returned and can be used both when Redirect headers are provided or not.
Payment Initiation response contains the _links.startAuthorisationWithAuthenticationMethodSelection.href value - API endpoint to start the Decoupled authorization process.

  "_links": {
    ...
    "startAuthorisationWithAuthenticationMethodSelection": {
      "href": "https://api.lhv.eu/psd2/v1/payments/sepa-credit-transfers/035f028f-fed8-4db2-ba4f-dfbe12345678/authorisations"
    }
  }

When executing the POST /payments/sepa-credit-transfers/{paymentId}/authorisations service you should provide the Decoupled authentication method.
Authorization process on the selected device is started automatically!

To use Smart-ID:

  • authenticationMethodId - SID
  • Customer national ID code is automatically taken from OAuth data
{
    "authenticationMethodId": "SID"
}

To use Mobile-ID:

  • authenticationMethodId - MID
  • scaAuthenticationData - telephone number
{
    "authenticationMethodId": "MID",
    "scaAuthenticationData": "+372512345678"
}

Response to POST /payments/sepa-credit-transfers/{paymentId}/authorisations contains the information about selected Decoupled method and Authorization status endpoint

  • challengeData.data - challenge code that should be displayed to the PSU. For Smart-ID it is the challenge code choice that user must select in the Smart-ID app.
  • challengeData.additionalInformation - short additional information about the payment including the amount and part of the account nr.
  • _links.scaStatus.href - authorization status uri
{
    "authorisationId": "245074d5-cf8d-4823-8164-a31123456780",
    "scaStatus": "scaMethodSelected",
    "chosenScaMethod": {
        "authenticationType": "SMS_OTP",
        "authenticationMethodId": "MID"
    },
    "challengeData": {
        "data": "1234",
        "additionalInformation": "Payment 123.52 EUR EE...2564"
    },
    "_links": {
        "scaStatus": {
            "href": "https://api.lhv.eu/psd2/v1/payments/sepa-credit-transfers/035f028f-fed8-4db2-ba4f-dfbe12345678/authorisations/245074d5-cf8d-4823-8164-a31123456780"
        }
    }
}

To check the authorization status execute the GET /payments/sepa-credit-transfers/{paymentId}/authorisations/{authorisationId} service. The response contains information about the authorization process at scaStatus value:

{
    "scaStatus": "finalised"
}

Possible scaStatus values are:

  • scaMethodSelected - Method is selected
  • started - Authorization process is started on the device and waiting for user input
  • finalised - Authorization is completed. Payment is then executed automatically and you can use the Payment Status service (GET /payments/sepa-credit-transfers/{paymentId}/status) to check the execution status.
  • failed - Authorization failed. With failed status also additional information is provided. For example:
{
    "scaStatus": "failed",
    "tppMessages": [
        {
            "category": "ERROR",
            "code": "WRONG_VC",
            "text": "External service returned an error. Please refer to the external service public specification for details."
        }
    ]
}

Confirmation of Funds - PIIS

Confirmaton of funds services can be used to query if there is enough funds on payment account for payment servicing.
To use this service TPP must first request a consent from PSU.

Link to Swagger specification.

Confirmation of Funds Consents

Link to Swagger specification.

Additional topics and FAQ

Account owner verification

TPP's might need to verify if account owner is actually the expected person or company - for example in situations, where there is a risk that Account Information access is actually given by some other person than claimed. Or to prevent accidental payments from company accounts by end user who has access to different legal entities.

This can be done by using optional HTTP header PSU-Corporate-ID - if this header is provided then executed service is checking if the submitted value is matching the actual payment account holder. If header value does not correspond to expected value service is not executed with error:

{
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "ROLE_INVALID",
      "text": "PSU-Corporate-ID does not match the expected customer registry code or number."
    }
  ]
}

PSU-Corporate-ID value must be [ISO two-letter country code] + [private person national ID or corporation registration ID].

Samples:

  • EE10539549 - Estonian company, where EE is the country code and 10539549 is the company ID (LHV Pank)
  • EE382******** - Estonian private person, where EE is the country code and 382******** is the national ID.

Currently the account owner verification is supported at following services:

UI and Browser compatibility

Similar to Internet Bank we have the same principles for Internet Browser compatibility. This applies mainly for the SCA screens using the Redirect Method. Our Open Banking platform is designed to be as available as our other channels. The key principles for supported browsers:

  • Browser must have at least 5% market share
  • Two latest major versions
  • Official unmodified versions only

We do not ensure full compatibility and proper operation when using older versions, alternative builds, embedded versions, 3rd party plugins etc. Using such Browsers might be successful, but we cannot provide proper support in case of any issues.

Open Banking interface statistics

Open Banking and PSD2 dedicated interface uptime and performance statistics. Also includes comparison statistics for our Internet Bank interface.

  • Uptime % - calculated as 100% minus downtime
  • Downtime % - percentage of downtime for the given day. Calculated as the period where the interface was not able to respond to at least five requests in a row (the response took at least 30s, never arrived or gave HTTP 5xx errors). Also the downtime not possible to extract from logs and discovered by monitoring.
  • Downtime s - total downtime in seconds for the given day.
  • AIS - average response time in milliseconds of account information services requests (account list, balances and transactions list services).
  • PIS - average response time in milliseconds of payments services requests (payment initiation and payment information).
  • PIIS - average response time in milliseconds of confirmation of funds services requests.
  • Error % - percentage of all requests that were not successful according to the same criterias described in downtime calculation.

Period: 01.01.2021 - 31.03.2021

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DateOpen Banking APIInternet BankConnect
Uptime %Downtime %Downtime sAISPISPIISError %Uptime %Downtime %Downtime sResponseError %Uptime %Downtime %Downtime s
01.01.2021100.000.002922470.17100.000.002640.02100.000.00
02.01.2021100.000.002541740.11100.000.002620.02100.000.00
03.01.2021100.000.003082630.12100.000.002670.02100.000.00
04.01.2021100.000.003803470.1599.930.07602640.07100.000.00
05.01.2021100.000.003593640.43100.000.002360.08100.000.00
06.01.2021100.000.002902470.0999.690.312702680.08100.000.00
07.01.2021100.000.003472680.1100.000.002340.04100.000.00
08.01.2021100.000.004043810.16100.000.001930.04100.000.00
09.01.2021100.000.003573020.11100.000.002270.02100.000.00
10.01.2021100.000.003973520.1100.000.002210.05100.000.00
11.01.2021100.000.003993270.09100.000.002070.06100.000.00
12.01.2021100.000.003443610.25100.000.002180.04100.000.00
13.01.2021100.000.004704450.08100.000.002670.07100.000.00
14.01.2021100.000.004644370.13100.000.002180.04100.000.00
15.01.2021100.000.004934730.19100.000.002170.03100.000.00
16.01.2021100.000.004153440.1100.000.002710.01100.000.00
17.01.2021100.000.004313390.07100.000.003080.04100.000.00
18.01.2021100.000.004333450.09100.000.001890.05100.000.00
19.01.2021100.000.004613530.11100.000.001830.04100.000.00
20.01.2021100.000.004904470.22100.000.002030.04100.000.00
21.01.2021100.000.004513850.1598.681.3211401730.05100.000.00
22.01.2021100.000.004444700.16100.000.001680.04100.000.00
23.01.2021100.000.003863230.08100.000.001970.01100.000.00
24.01.2021100.000.004253240.1100.000.001910.02100.000.00
25.01.2021100.000.004844130.14100.000.001630.04100.000.00
26.01.2021100.000.004263750.1100.000.001650.04100.000.00
27.01.2021100.000.004863930.11100.000.002210.06100.000.00
28.01.2021100.000.005554760.11100.000.001830.04100.000.00
29.01.2021100.000.005535080.0899.720.282402080.06100.000.00
30.01.2021100.000.003683110.06100.000.002090.02100.000.00
31.01.2021100.000.004923900.21100.000.001870.02100.000.00
01.02.2021100.000.006826160.16100.000.001770.04100.000.00
02.02.2021100.000.006605740.17100.000.001790.05100.000.00
03.02.2021100.000.005875600.2298.751.252180.08100.000.00
04.02.2021100.000.006035700.1100.000.001540.04100.000.00
05.02.2021100.000.006547440.24100.000.001830.01100.000.00
06.02.2021100.000.005685390.12100.000.001940.01100.000.00
07.02.2021100.000.006645800.11100.000.001920100.000.00
08.02.2021100.000.005365350.27100.000.001840100.000.00
09.02.2021100.000.004253540.13100.000.001790100.000.00
10.02.2021100.000.0086411090.41100.000.002120.09100.000.00
11.02.2021100.000.005674010.16100.000.001880.01100.000.00
12.02.2021100.000.005505010.1100.000.001920.02100.000.00
13.02.2021100.000.004153280.19100.000.002040100.000.00
14.02.2021100.000.003852910.24100.000.001920100.000.00
15.02.2021100.000.006175720.18100.000.001810100.000.00
16.02.2021100.000.005223870.07100.000.001800.01100.000.00
17.02.2021100.000.004854300.21100.000.001970.01100.000.00
18.02.2021100.000.005014440.13100.000.001820.01100.000.00
19.02.2021100.000.005625280.18100.000.001810100.000.00
20.02.2021100.000.005244740.09100.000.001940100.000.00
21.02.2021100.000.005144320.17100.000.001870.01100.000.00
22.02.2021100.000.006095830.21100.000.001800.03100.000.00
23.02.2021100.000.006085670.12100.000.002130.01100.000.00
24.02.2021100.000.005444920.15100.000.002410100.000.00
25.02.2021100.000.006188880.32100.000.002320.01100.000.00
26.02.2021100.000.007006200.18100.000.001970.0199.380.63540
27.02.2021100.000.005324520.15100.000.002040.01100.000.00
28.02.2021100.000.005825390.16100.000.001880100.000.00
01.03.2021100.000.007517040.17100.000.002280.01100.000.00
02.03.2021100.000.006576250.2498.751.2510802060100.000.00
03.03.2021100.000.007356680.28100.000.002170.01100.000.00
04.03.2021100.000.006896780.14100.000.002160100.000.00
05.03.2021100.000.007949510.5299.790.211802770.05100.000.00
06.03.2021100.000.005003750.26100.000.002360100.000.00
07.03.2021100.000.007387780.44100.000.002070.01100.000.00
08.03.2021100.000.006515410.2598.891.119602560.01100.000.00
09.03.2021100.000.007157370.26100.000.002330100.000.00
10.03.2021100.000.007086910.2899.580.423602740.04100.000.00
11.03.2021100.000.007387190.23100.000.002260.02100.000.00
12.03.2021100.000.007086530.2100.000.002160100.000.00
13.03.2021100.000.005644310.18100.000.002250.01100.000.00
14.03.2021100.000.005153660.14100.000.002080100.000.00
15.03.2021100.000.007377500.23100.000.002340.01100.000.00
16.03.2021100.000.007747540.2499.510.494202280.03100.000.00
17.03.2021100.000.006856420.27100.000.002030.01100.000.00
18.03.2021100.000.007376540.34100.000.001980.01100.000.00
19.03.2021100.000.007186300.27100.000.002110100.000.00
20.03.2021100.000.006827470.47100.000.002260.01100.000.00
21.03.2021100.000.007629320.42100.000.002220100.000.00
22.03.2021100.000.007647020.16100.000.002310.02100.000.00
23.03.2021100.000.007808160.14100.000.002420.04100.000.00
24.03.2021100.000.007799840.33100.000.002380.01100.000.00
25.03.2021100.000.008189620.29100.000.002150.01100.000.00
26.03.2021100.000.004264770.1199.930.07602170.01100.000.00
27.03.2021100.000.00122820.14100.000.002370.01100.000.00
28.03.2021100.000.001211120.12100.000.002150.01100.000.00
29.03.2021100.000.001501890.12100.000.002270.01100.000.00
30.03.2021100.000.001521810.09100.000.002450.02100.000.00
31.03.2021100.000.001542090.16100.000.002160100.000.00
Average100.000.000.00530.67500.380.1899.920.084770.00213.520.0299.990.01540.00

Period: 01.10.2020 - 31.12.2020

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DateOpen Banking APIInternet BankConnect
Uptime %Downtime %Downtime sAISPISPIISError %Uptime %Downtime %Downtime sResponseError %Uptime %Downtime %Downtime s
01.10.2020100.000.00197800100.000.002700100.000.00
02.10.2020100.000.00189105099.930.07603270.01100.000.00
03.10.2020100.000.00172640100.000.004310100.000.00
04.10.2020100.000.00173760100.000.003910100.000.00
05.10.2020100.000.00211790100.000.002960.03100.000.00
06.10.2020100.000.00201800100.000.002850100.000.00
07.10.2020100.000.0030856790.01100.000.003380.02100.000.00
08.10.2020100.000.00209750100.000.002990.01100.000.00
09.10.2020100.000.00207840100.000.002880.02100.000.00
10.10.2020100.000.00185770100.000.003760.01100.000.00
11.10.2020100.000.00187780100.000.003460.01100.000.00
12.10.2020100.000.00213820100.000.002840.04100.000.00
13.10.2020100.000.00198730100.000.002720.02100.000.00
14.10.2020100.000.00134830100.000.001890.01100.000.00
15.10.2020100.000.00139770100.000.002020.01100.000.00
16.10.2020100.000.00194730100.000.002910.01100.000.00
17.10.2020100.000.00184970100.000.004100.01100.000.00
18.10.2020100.000.00187740100.000.003460.01100.000.00
19.10.2020100.000.00208940100.000.002810100.000.00
20.10.2020100.000.00211890100.000.002910100.000.00
21.10.2020100.000.0022285099.860.141203410.04100.000.00
22.10.2020100.000.002261000100.000.003200.01100.000.00
23.10.2020100.000.003051660100.000.003180.01100.000.00
24.10.2020100.000.002721530100.000.004410100.000.00
25.10.2020100.000.002881700100.000.003920100.000.00
26.10.2020100.000.003422440100.000.003050.01100.000.00
27.10.2020100.000.003241890100.000.002990100.000.00
28.10.2020100.000.003402120100.000.003410.05100.000.00
29.10.2020100.000.003852290100.000.003200.01100.000.00
30.10.2020100.000.003632100100.000.003170.01100.000.00
31.10.2020100.000.003091950100.000.003820.01100.000.00
01.11.2020100.000.003201850100.000.003350100.000.00
02.11.2020100.000.003932170100.000.002800.01100.000.00
03.11.2020100.000.003692030100.000.002490.01100.000.00
04.11.2020100.000.00384225099.930.07602750.05100.000.00
05.11.2020100.000.00380241099.930.07602920.0199.910.0975
06.11.2020100.000.00394237099.860.141203030.01100.000.00
07.11.2020100.000.003241830100.000.003650100.000.00
08.11.2020100.000.003301960100.000.003800100.000.00
09.11.2020100.000.003872300100.000.002440100.000.00
10.11.2020100.000.004272790100.000.002570100.000.00
11.11.2020100.000.00409282099.930.07602950.06100.000.00
12.11.2020100.000.005193980100.000.002860.0199.770.23195
13.11.2020100.000.003742260100.000.002670100.000.00
14.11.2020100.000.004552980100.000.003720.02100.000.00
15.11.2020100.000.003031740100.000.003480.01100.000.00
16.11.2020100.000.004022870.01100.000.002560.0199.970.0330
17.11.2020100.000.005554340100.000.002460.01100.000.00
18.11.2020100.000.004393070.01100.000.002760.03100.000.00
19.11.2020100.000.003503340100.000.001760100.000.00
20.11.2020100.000.003563010100.000.001790.01100.000.00
21.11.2020100.000.002952370100.000.002950100.000.00
22.11.2020100.000.003132510100.000.002520100.000.00
23.11.2020100.000.003202340100.000.001730.01100.000.00
24.11.2020100.000.003322600100.000.001970.0199.970.0330
25.11.2020100.000.00320219099.600.403451990.0499.970.0330
26.11.2020100.000.00365308099.930.07601950.03100.000.00
27.11.2020100.000.003993060100.000.001930.01100.000.00
28.11.2020100.000.003813030100.000.002840100.000.00
29.11.2020100.000.004183470100.000.002690.01100.000.00
30.11.2020100.000.004143560100.000.001710.01100.000.00
01.12.202099.860.141207996870100.000.00164099.810.19166
02.12.202099.470.534624733960.0199.480.524451940.0199.510.49420
03.12.2020100.000.003453380100.000.001740.01100.000.00
04.12.202099.540.464002942660.6296.243.7632501680.895.764.243660
05.12.2020100.000.002251640100.000.002380.01100.000.00
06.12.2020100.000.002572510100.000.002390.01100.000.00
07.12.2020100.000.003272900100.000.00163099.970.0330
08.12.2020100.000.003182910.02100.000.001630.01100.000.00
09.12.2020100.000.003102900100.000.002730.02100.000.00
10.12.2020100.000.003092670.01100.000.002800.15100.000.00
11.12.2020100.000.002862360100.000.002890.04100.000.00
12.12.2020100.000.002702220100.000.002640.02100.000.00
13.12.2020100.000.003133010100.000.002530.02100.000.00
14.12.2020100.000.003182820100.000.002920.06100.000.00
15.12.2020100.000.003002430100.000.002880.04100.000.00
16.12.2020100.000.003082500100.000.002930.05100.000.00
17.12.2020100.000.003542600100.000.002740.05100.000.00
18.12.2020100.000.003182440100.000.002890.05100.000.00
19.12.2020100.000.002782350100.000.002790.02100.000.00
20.12.2020100.000.002992670100.000.002660.03100.000.00
21.12.2020100.000.003512810100.000.003260.05100.000.00
22.12.2020100.000.003272810100.000.002420.1100.000.00
23.12.2020100.000.003082430100.000.002610.05100.000.00
24.12.2020100.000.003022590100.000.002890.03100.000.00
25.12.2020100.000.002982480100.000.002860.02100.000.00
26.12.2020100.000.003062640100.000.002570.01100.000.00
27.12.2020100.000.003012500100.000.002420.01100.000.00
28.12.2020100.000.003643330100.000.002430.05100.000.00
29.12.2020100.000.003472940100.000.002610.06100.000.00
30.12.2020100.000.002872200100.000.002530.04100.000.00
31.12.2020100.000.002782300100.000.002520.04100.000.00
Average99.990.01982.00344.10227.320.0199.940.064580.00278.840.0399.940.064636.00

Period: 01.07.2020 - 31.09.2020

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DateOpen Banking APIInternet BankConnect
Uptime %Downtime %Downtime sAISPISPIISError %Uptime %Downtime %Downtime sResponseError %Uptime %Downtime %Downtime s
01.07.2020100.000.0023080099.790.211803620.0498.721.281110
02.07.2020100.000.0022251099.930.07603490.0799.790.21180
03.07.2020100.000.00222790.01100.000.003640.01100.000.00
04.07.2020100.000.00185660100.000.004850.03100.000.00
05.07.2020100.000.00194680100.000.003610.01100.000.00
06.07.2020100.000.00230730100.000.003170.01100.000.00
07.07.2020100.000.00217790100.000.003150.02100.000.00
08.07.2020100.000.00244690100.000.003650.02100.000.00
09.07.2020100.000.00220640100.000.003370100.000.00
10.07.2020100.000.00219610.01100.000.003490100.000.00
11.07.2020100.000.00175870100.000.004050100.000.00
12.07.2020100.000.0017681099.930.07603430.01100.000.00
13.07.2020100.000.00220810100.000.003490100.000.00
14.07.2020100.000.00199650100.000.003520.0199.930.0760
15.07.2020100.000.00203690100.000.003640.01100.000.00
16.07.2020100.000.00213580100.000.003460100.000.00
17.07.2020100.000.00226600100.000.003710.01100.000.00
18.07.2020100.000.00220540100.000.004460100.000.00
19.07.2020100.000.00205620100.000.003760.01100.000.00
20.07.2020100.000.00255600100.000.003520100.000.00
21.07.2020100.000.003321720.02100.000.004160100.000.00
22.07.2020100.000.00237670100.000.004120.01100.000.00
23.07.2020100.000.00245680.01100.000.004000100.000.00
24.07.2020100.000.00225720100.000.003700100.000.00
25.07.2020100.000.00234760100.000.005320.01100.000.00
26.07.2020100.000.00205600100.000.004420.01100.000.00
27.07.2020100.000.00234670100.000.003530100.000.00
28.07.2020100.000.00225730100.000.003850.01100.000.00
29.07.2020100.000.00223700100.000.004040.07100.000.00
30.07.2020100.000.00225830100.000.004230.02100.000.00
31.07.2020100.000.00225630100.000.004300.01100.000.00
01.08.2020100.000.00237850100.000.005500.04100.000.00
02.08.2020100.000.0020257099.930.07605140.02100.000.00
03.08.2020100.000.00233710100.000.003770.01100.000.00
04.08.2020100.000.00225970100.000.003850.01100.000.00
05.08.2020100.000.00233810100.000.004320.01100.000.00
06.08.2020100.000.00210900100.000.003890100.000.00
07.08.2020100.000.00228660.01100.000.004240.01100.000.00
08.08.2020100.000.00215600100.000.006290100.000.00
09.08.2020100.000.0019765099.930.07605340.03100.000.00
10.08.2020100.000.00231850100.000.003880100.000.00
11.08.2020100.000.00221780100.000.004090.01100.000.00
12.08.2020100.000.00213620100.000.004270100.000.00
13.08.2020100.000.00223780100.000.004240.01100.000.00
14.08.2020100.000.00214670100.000.004580100.000.00
15.08.2020100.000.00219740100.000.006950.01100.000.00
16.08.2020100.000.00214740100.000.006770100.000.00
17.08.2020100.000.00224860.11100.000.004190.15100.000.00
18.08.2020100.000.00234950100.000.004640100.000.00
19.08.2020100.000.00217600100.000.004210100.000.00
20.08.2020100.000.00198780100.000.004490.01100.000.00
21.08.2020100.000.00208750100.000.003950.01100.000.00
22.08.2020100.000.00224840100.000.007700100.000.00
23.08.2020100.000.00206950100.000.004990.01100.000.00
24.08.2020100.000.00231910100.000.004110100.000.00
25.08.2020100.000.00240870100.000.004410.03100.000.00
26.08.2020100.000.00234770100.000.004710.01100.000.00
27.08.2020100.000.00236760.04100.000.004490.0199.930.0760
28.08.2020100.000.00231750100.000.004230100.000.00
29.08.2020100.000.00232800100.000.006010.01100.000.00
30.08.2020100.000.002431340100.000.005770.01100.000.00
31.08.2020100.000.00261104099.720.282404120.03100.000.00
01.09.202099.930.076029341160.01100.000.004600100.000.00
02.09.2020100.000.00264940.05100.000.004820.02100.000.00
03.09.202099.790.21180244880100.000.003990.01100.000.00
04.09.2020100.000.002231000100.000.004360.01100.000.00
05.09.2020100.000.00223980100.000.005510.01100.000.00
06.09.2020100.000.00190790100.000.005120100.000.00
07.09.2020100.000.00235910.0199.860.141204630.02100.000.00
08.09.2020100.000.00218820100.000.003490100.000.00
09.09.2020100.000.00236910.1499.930.07603590.01100.000.00
10.09.2020100.000.002301010100.000.003730100.000.00
11.09.2020100.000.00210900100.000.003490.01100.000.00
12.09.2020100.000.00219920100.000.004560.04100.000.00
13.09.2020100.000.001951000100.000.004220.01100.000.00
14.09.2020100.000.00218930100.000.003190.0299.420.58503
15.09.2020100.000.0020883099.930.07603800.03100.000.00
16.09.2020100.000.00208790.01100.000.003230.14100.000.00
17.09.2020100.000.00180710100.000.002730100.000.00
18.09.2020100.000.00178730100.000.002840.01100.000.00
19.09.2020100.000.00176740100.000.004030100.000.00
20.09.2020100.000.00167690100.000.003480100.000.00
21.09.2020100.000.00193830100.000.002750.01100.000.00
22.09.2020100.000.00199890.01100.000.003190.01100.000.00
23.09.2020100.000.00187690100.000.003020.01100.000.00
24.09.2020100.000.00189690100.000.003040.01100.000.00
25.09.2020100.000.00187720100.000.003060.01100.000.00
26.09.2020100.000.00167800100.000.004250.01100.000.00
27.09.2020100.000.00173680100.000.003730.01100.000.00
28.09.2020100.000.00186730100.000.002740.01100.000.00
29.09.2020100.000.00192760100.000.003050100.000.00
30.09.2020100.000.00218930.03100.000.003260.01100.000.00
Average100.000.00240.00278.8677.840.0199.990.01900.00412.380.0199.980.021913.00

Period: 01.04.2020 - 30.06.2020

expand ...

DateOpen Banking APIInternet BankConnect
Uptime %Downtime %Downtime sAISPISPIISError %Uptime %Downtime %Downtime sResponseError %Uptime %Downtime %
01.04.2020100.000.00244830.02100.000.0011710100.000.00
02.04.2020100.000.00240790.01100.000.003130100.000.00
03.04.2020100.000.00241750.03100.000.003180100.000.00
04.04.2020100.000.00221780100.000.003390100.000.00
05.04.2020100.000.00207810100.000.004150100.000.00
06.04.2020100.000.00241840.01100.000.003890100.000.00
07.04.2020100.000.00231780100.000.003570100.000.00
08.04.2020100.000.00239840100.000.003780100.000.00
09.04.2020100.000.0025575098.961.049003760100.000.00
10.04.2020100.000.00205610100.000.003430.02100.000.00
11.04.202099.930.0760216810100.000.003490100.000.00
12.04.2020100.000.00204760100.000.003490.01100.000.00
13.04.2020100.000.00233790100.000.003280100.000.00
14.04.2020100.000.00245750100.000.003050.01100.000.00
15.04.2020100.000.002261110100.000.003740100.000.00
16.04.2020100.000.0014465099.930.07604350.01100.000.00
17.04.2020100.000.0021969099.930.07603390100.000.00
18.04.2020100.000.0021559099.930.07604350100.000.00
19.04.2020100.000.00214600100.000.003910100.000.00
20.04.2020100.000.00247710100.000.003280.01100.000.00
21.04.2020100.000.00215860100.000.003660100.000.00
22.04.2020100.000.00213800.03100.000.003970.01100.000.00
23.04.2020100.000.00209670100.000.004140.01100.000.00
24.04.2020100.000.00222840100.000.003430100.000.00
25.04.2020100.000.00201860100.000.003570.01100.000.00
26.04.2020100.000.00194840100.000.004760100.000.00
27.04.2020100.000.00209780100.000.003620100.000.00
28.04.2020100.000.00213680100.000.003320100.000.00
29.04.2020100.000.00224730.01100.000.003360100.000.00
30.04.2020100.000.00245680100.000.003650.04100.000.00
01.05.2020100.000.00200680100.000.003660.04100.000.00
02.05.2020100.000.0021663099.930.07603260100.000.00
03.05.2020100.000.0020472099.930.07603390100.000.00
04.05.2020100.000.00264730.0198.331.6714404200.05100.000.00
05.05.2020100.000.00253650.02100.000.005020.01100.000.00
06.05.2020100.000.00261810100.000.003770100.000.00
07.05.2020100.000.00260690.01100.000.003600100.000.00
08.05.2020100.000.0026176099.240.766603760.03100.000.00
09.05.2020100.000.0028455099.930.07604540.01100.000.00
10.05.2020100.000.00236660100.000.003670.02100.000.00
11.05.2020100.000.00294790100.000.003270.01100.000.00
12.05.2020100.000.003821130100.000.004070100.000.00
13.05.2020100.000.00331770.01100.000.004190.01100.000.00
14.05.2020100.000.00288960.01100.000.004000100.000.00
15.05.2020100.000.0026670099.720.282403510.02100.000.00
16.05.2020100.000.00263730100.000.004240100.000.00
17.05.2020100.000.0022278099.930.07603440100.000.00
18.05.2020100.000.00277920100.000.003690.01100.000.00
19.05.2020100.000.002881010.06100.000.004740.0199.860.14
20.05.2020100.000.00274730.0199.720.282403930.05100.000.00
21.05.202099.860.14120170800.11100.000.002510.01100.000.00
22.05.2020100.000.00152650100.000.002330100.000.00
23.05.2020100.000.00148530100.000.003680100.000.00
24.05.2020100.000.00142550100.000.002610.02100.000.00
25.05.2020100.000.00153540100.000.00234099.930.07
26.05.2020100.000.00151600100.000.002720100.000.00
27.05.2020100.000.00157610100.000.002990.01100.000.00
28.05.2020100.000.00251710100.000.004400100.000.00
29.05.2020100.000.00304760100.000.004820.01100.000.00
30.05.2020100.000.00233740100.000.006380100.000.00
31.05.2020100.000.0025761099.860.141204370100.000.00
01.06.2020100.000.00318620100.000.004010100.000.00
02.06.2020100.000.00269820100.000.004270100.000.00
03.06.2020100.000.00258930100.000.005000.01100.000.00
04.06.202099.930.076026585099.790.211804230.02100.000.00
05.06.2020100.000.00308810.02100.000.004340.01100.000.00
06.06.2020100.000.00242990.0199.930.07604470100.000.00
07.06.2020100.000.0022168099.930.07603980100.000.00
08.06.2020100.000.00281640.07100.000.003840.05100.000.00
09.06.2020100.000.00261840100.000.003760.01100.000.00
10.06.2020100.000.00318112099.930.07604120.09100.000.00
11.06.2020100.000.00245690100.000.003960.05100.000.00
12.06.2020100.000.0022663099.930.07604390.02100.000.00
13.06.2020100.000.00209700100.000.005760100.000.00
14.06.2020100.000.0019961099.930.07604590100.000.00
15.06.2020100.000.00234610.01100.000.004000.01100.000.00
16.06.2020100.000.00221690100.000.004340.0199.930.07
17.06.2020100.000.00216640.01100.000.004500.0199.930.07
18.06.2020100.000.00210650100.000.004180.0199.930.07
19.06.2020100.000.00209690100.000.004000.02100.000.00
20.06.2020100.000.00199820100.000.00427099.930.07
21.06.2020100.000.00186790100.000.003860.01100.000.00
22.06.2020100.000.00205790100.000.003790100.000.00
23.06.2020100.000.00175450100.000.005200.01100.000.00
24.06.2020100.000.00171570100.000.005570.01100.000.00
25.06.2020100.000.00209670100.000.003910100.000.00
26.06.2020100.000.00237790100.000.004710.01100.000.00
27.06.2020100.000.00181650100.000.004540.01100.000.00
28.06.2020100.000.0018874099.930.07604430.01100.000.00
29.06.2020100.000.00233700100.000.003900100.000.00
30.06.2020100.000.00216540100.000.003310.01100.000.00
Average100.000.00240.00230.5973.850.0199.940.064560.00400.140.0199.990.01

Period: 01.01.2020 - 31.03.2020

expand ...

Open Banking APIInternet Bank
DateUptime %Downtime %Downtime sAISPISPIISError %Uptime %Downtime %Downtime sResponseError %
01.01.2020100.000.00272550100.000.003480
02.01.2020100.000.00344660100.000.003460
03.01.2020100.000.00359680100.000.004020
04.01.2020100.000.00299620100.000.004540
05.01.2020100.000.00314610100.000.004300
06.01.2020100.000.00363700100.000.004030.02
07.01.2020100.000.00349690100.000.003660
08.01.2020100.000.00339730100.000.003560
09.01.2020100.000.00295650100.000.003430
10.01.2020100.000.00313690100.000.003630
11.01.2020100.000.00263660100.000.003650.01
12.01.2020100.000.00266640100.000.003360
13.01.2020100.000.00304710100.000.003740
14.01.2020100.000.00324720100.000.003940
15.01.2020100.000.00302740100.000.004110
16.01.2020100.000.00317760100.000.003820.03
17.01.2020100.000.00317730100.000.003790.01
18.01.2020100.000.00259710100.000.004210
19.01.2020100.000.0028173099.930.07603690.02
20.01.2020100.000.00328920100.000.002880
21.01.2020100.000.00324860100.000.003100
22.01.2020100.000.00305120099.860.141203410.01
23.01.2020100.000.00282710.44100.000.003380.01
24.01.2020100.000.00330900.61100.000.003470.01
25.01.2020100.000.00226840100.000.003610.02
26.01.2020100.000.00236850100.000.003390.01
27.01.2020100.000.00247760100.000.003270.01
28.01.2020100.000.00239700100.000.003710.01
29.01.2020100.000.00238690100.000.004250.01
30.01.2020100.000.0025164099.930.07603540.02
31.01.2020100.000.0015162099.930.07602510.01
01.02.2020100.000.00143620100.000.002700.01
02.02.2020100.000.00134660100.000.002700.01
03.02.2020100.000.00153730100.000.002450
04.02.2020100.000.00149470100.000.002800
05.02.2020100.000.00158580100.000.003230
06.02.2020100.000.00145420100.000.003000.02
07.02.2020100.000.00145560100.000.002780
08.02.2020100.000.00148630100.000.002420
09.02.2020100.000.00137640100.000.001990.02
10.02.2020100.000.00150640100.000.002010
11.02.2020100.000.001621730100.000.002190
12.02.2020100.000.00233680100.000.002610.01
13.02.2020100.000.00231760100.000.003460.01
14.02.2020100.000.00237650100.000.003290
15.02.2020100.000.00255790100.000.003270.07
16.02.2020100.000.00239640100.000.004030.37
17.02.2020100.000.00235690100.000.003130.02
18.02.2020100.000.00224630100.000.003320.01
19.02.2020100.000.00232670100.000.004000
20.02.202099.720.28240236710100.000.003740.01
21.02.2020100.000.00238640100.000.003100.02
22.02.2020100.000.00264760100.000.003440.02
23.02.2020100.000.00210730100.000.004140
24.02.2020100.000.00203610100.000.003790.02
25.02.2020100.000.00237790100.000.003610.02
26.02.2020100.000.0024374099.860.141203580
27.02.2020100.000.00246740100.000.004420.01
28.02.2020100.000.0030088098.231.7715254260
29.02.2020100.000.00281790100.000.004080.01
01.03.2020100.000.00235730100.000.004030
02.03.2020100.000.00268920100.000.003510
03.03.2020100.000.00287820100.000.004570
04.03.2020100.000.00279870100.000.004310
05.03.2020100.000.00266770100.000.003650.01
06.03.2020100.000.00269760100.000.003690
07.03.2020100.000.00274830100.000.003720
08.03.2020100.000.00209700100.000.003810
09.03.2020100.000.00253790100.000.003860
10.03.2020100.000.00242820100.000.004850
11.03.2020100.000.0023979099.930.07604220.01
12.03.2020100.000.00238800100.000.003800
13.03.2020100.000.00264920100.000.005000.01
14.03.2020100.000.00216870100.000.004090
15.03.2020100.000.00202800100.000.003650.01
16.03.2020100.000.00237840100.000.003750.01
17.03.2020100.000.00225750100.000.004200
18.03.2020100.000.00236800100.000.004020
19.03.2020100.000.00227860100.000.003420
20.03.202080.9419.0616470243800100.000.003480
21.03.2020100.000.00214830100.000.004070
22.03.2020100.000.00202900100.000.003700
23.03.2020100.000.00233830100.000.003640
24.03.2020100.000.00222850100.000.003700.01
25.03.2020100.000.00235770100.000.003610
26.03.2020100.000.00248890100.000.003520
27.03.2020100.000.002301030100.000.003450
28.03.2020100.000.00213790100.000.004220
29.03.2020100.000.00201780100.000.003900
30.03.2020100.000.002821040100.000.003420
31.03.2020100.000.00232760100.000.003300

Period: 14.09.2019 - 31.12.2019

expand ...

Open Banking APIInternet Bank
DateUptime %Downtime %Downtime sAISPISPIISError %Uptime %Downtime %Downtime sAISPISError %
14.09.2019100,000,001645099,960,04354928000,01
15.09.2019100,000,003210100,000,004288630
16.09.2019100,000,004120100,000,0036810600
17.09.2019100,000,003210100,000,0036210090
18.09.2019100,000,00863099,320,6859032610010,05
19.09.2019100,000,004660100,000,003339160
20.09.2019100,000,006440100,000,003339880
21.09.2019100,000,005160100,000,004777490
22.09.2019100,000,009380100,000,004417700,02
23.09.2019100,000,003000100,000,0035010010,01
24.09.2019100,000,00314099,910,097431916020,02
25.09.2019100,000,004480100,000,003338900,01
26.09.2019100,000,004340100,000,003399750,01
27.09.2019100,000,002640100,000,001564290
28.09.2019100,000,002540100,000,001424100
29.09.2019100,000,00239099,940,06561774040
30.09.2019100,000,002840100,000,002155370,01
01.10.2019100,000,002860100,000,002424710
02.10.2019100,000,002530100,000,002464870
03.10.2019100,000,002260100,000,001963810
04.10.2019100,000,00271720100,000,002144560,01
05.10.2019100,000,002310100,000,001493970
06.10.2019100,000,002250100,000,001543820,01
07.10.2019100,000,00260750100,000,001624950
08.10.2019100,000,002580100,000,001614970
09.10.2019100,000,00255930100,000,001984840,01
10.10.2019100,000,002500100,000,0043004290
11.10.2019100,000,002230100,000,002074620
12.10.2019100,000,002570100,000,002834150,01
13.10.2019100,000,002570100,000,002873910
14.10.2019100,000,002390100,000,002335040
15.10.2019100,000,002202100100,000,002044880
16.10.2019100,000,00283620100,000,003947180,02
17.10.201995,834,17360029451095,834,1736003727000,01
18.10.2019100,000,00249400100,000,003876970
19.10.2019100,000,00219670100,000,006296240
20.10.2019100,000,00959390100,000,006196200,01
21.10.2019100,000,002660100,000,005309460,01
22.10.2019100,000,002490100,000,001552760,01
23.10.2019100,000,002360100,000,001882910
24.10.2019100,000,002510100,000,001942880
25.10.2019100,000,002480100,000,002233140
26.10.2019100,000,002420100,000,003473020,02
27.10.2019100,000,002240100,000,003602860,01
28.10.2019100,000,002493540100,000,001983040,01
29.10.2019100,000,003090100,000,002353190
30.10.2019100,000,002580100,000,002393240
31.10.2019100,000,002950100,000,001942900,01
01.11.2019100,000,003310100,000,001942930
02.11.2019100,000,003410100,000,002702920
03.11.2019100,000,003570100,000,002592730
04.11.2019100,000,003552130100,000,002293080
05.11.2019100,000,002561040100,000,002072790
06.11.2019100,000,00271670100,000,002383040
07.11.2019100,000,002361240100,000,002152900,01
08.11.2019100,000,002250100,000,003104340
09.11.2019100,000,001620100,000,003703000,01
10.11.2019100,000,001930100,000,003342890
11.11.2019100,000,002430100,000,002593410,01
12.11.2019100,000,00228930100,000,002683200
13.11.2019100,000,002390100,000,0022933380
14.11.2019100,000,002330100,000,002422860
15.11.2019100,000,002510100,000,002623020,01
16.11.2019100,000,001920100,000,003723220,01
17.11.2019100,000,001900100,000,003492940,01
18.11.2019100,000,002530100,000,002613300
19.11.2019100,000,002471710100,000,002753270,01
20.11.2019100,000,002581280100,000,003694470,01
21.11.201999,790,21180267132099,970,03244475870,87
22.11.2019100,000,002531620100,000,005107150,01
23.11.2019100,000,002140100,000,004675170,01
24.11.2019100,000,002330100,000,004794590,01
25.11.2019100,000,002870100,000,003705190,01
26.11.2019100,000,002780100,000,003725290,01
27.11.2019100,000,002871260100,000,003975940,01
28.11.2019100,000,003091250100,000,003244590,01
29.11.2019100,000,003471630100,000,003484490,01
30.11.2019100,000,002471050100,000,004014040
01.12.2019100,000,002441100100,000,003564050
02.12.2019100,000,003151280100,000,003495520,01
03.12.2019100,000,002971080100,000,004046210,01
04.12.2019100,000,00308750100,000,003545150,01
05.12.2019100,000,00302740,0199,920,08703054270,02
06.12.2019100,000,00323760100,000,003504690
07.12.2019100,000,00211530100,000,003374090
08.12.2019100,000,00236640100,000,004124090
09.12.2019100,000,00349730100,000,003604970,01
10.12.2019100,000,00379880100,000,003295080
11.12.2019100,000,00326680100,000,004467060,01
12.12.2019100,000,00330630100,000,003264580,01
13.12.2019100,000,00333710100,000,003424860,01
14.12.2019100,000,00283570100,000,004504360,01
15.12.2019100,000,00307610100,000,003843980
16.12.2019100,000,00377810100,000,002954840
17.12.2019100,000,00324610100,000,003475000
18.12.2019100,000,00320600100,000,004336460,01
19.12.2019100,000,00341610100,000,003024570
20.12.2019100,000,00373690100,000,003214670
21.12.2019100,000,00297570100,000,003934080
22.12.2019100,000,00287540100,000,004594070
23.12.2019100,000,00314600100,000,003394490
24.12.2019100,000,00286540100,000,005324410
25.12.2019100,000,00271520100,000,005224330
26.12.2019100,000,00277530100,000,003314180
27.12.2019100,000,00318590100,000,003404850,01
28.12.2019100,000,00284540100,000,003764470
29.12.2019100,000,0029555099,930,07634484390,01
30.12.2019100,000,00326630100,000,003244670,02
31.12.2019100,000,00300600100,000,003424540,01