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PSD2 API Developer Portal

In the scope of the European Payment Services Directive 2015/2366 (also known as PSD2), CREATIS provides API access to qualified Third Party Payment Service Providers for the following purposes:

  • Account and Transaction Information for Account Information Service Providers (AISPs)
  • Checking of Funds Coverage for Card-Based Payment Instrument Issuers (CBPIIs)
  • Payment Initiation for Payment Initiation Service Providers (PISPs)

These APIs are available at, with a sandbox environment at

Recent and upcoming changes

Stay up-to-date with our updates feed:


API Specifications

If you want to dive directly into the APIs, they are documented as OpenAPI Specification (Swagger) files:

  • View OAuth 2 Endpoints Specification
  • Open Banking API Endpoints Specification:
    • View v2.1 Published


      • On the /accounts endpoint, credit cards are now identified by their masked PAN, using the MPAN scheme;
      • On the /accounts/{id}/transactions endpoint, all amounts are returned in absolute values with a CRDT/DBIT indicator;
      • [ERRATUM March 9, 2022] Previous changelog said that amounts on the /accounts endpoint were returned in absolute values, which is not the case;
      • On the /accounts/{id}/transactions endpoint, pending credit card transactions are now marked with status OTHR instead of PDNG;
      • In payment initiation workflows, once the PSU has validated the SCA, will be filled in response to a GET request;
      • In payment initiation workflows, in cases of pending validation by CREATIS, status PDNG will be returned instead of ACSP;

API specifications updates and deprecation announcements are also in our updates feed.

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