Basic information

Open banking is a process of securely sharing financial accounts’ data between banks and third-party providers and initiating payments. It leads to innovation, competition, and efficiency – quick, simple, and secure.

The Second Payment Services Directive (PSD2) provides the legal foundation for the development of open banking, better integrated internal market for electronic payments within the European Union. PSD2 mandates that banks allow a third party to access information from the payment account with the goal of ensuring harmonised rules for the provision of payment services in the EU and a high level of consumer protection.

If you have a PSD2 licence but don’t want to connect to every bank in Slovenia, we are offering HUB, so you can reach all Slovenian banks with only one connection via openbanking.bankart.si/hub.

If you don’t have a PSD2 licence but have been flirting with the idea of becoming a third-party provider and would rather focus on your core business, we offer our PSD2 AIS licence as a licence-as-a-service model.

Account information services

Account information services (AIS) give consumers and businesses an overview of their financial situation by consolidating information across the different payment accounts they may have with one or more payment service providers.

The Account Information Service offers the following services:

• transaction reports for a given account or card account, including balances if applicable.
• balances of a given account or card account,
• a list of available accounts or card accounts,
• account details of a given account or card account or of the list of all accessible accounts or card accounts relative to a granted consent.

Payment initiation services

Payment initiation services (PIS) help consumers make online payments and inform the merchant immediately of the payment initiation, allowing for the immediate dispatch of goods or immediate access to services purchased online.

The Payment Initiation Service offers the following services:

• initiation and update of a payment request,
• status information of a payment.

ATM Information

»ATM information« offers two API calls which provide to the user retrieving of information of all ATMs included in the Bankart network, as well as supported services and the status of each ATM.

Currency Exchange Calculator

»Currency Exchange Calculator« offers an API call which provide to the user retrieving of information of the currency exchange rate.

Merchant API

»Merchant API« offers two API calls that provide to the user the retrieval of information of list of reports available for download as well as the download of the file that the user selects by calling the first method.