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About PolishAPI

The PolishAPI standard is the key part of the Open Banking on the Polish financial market. It is defining the interface enabling third parties to access payment accounts, based on amended directive on payment services in the internal market (PSD2).

The PolishAPI constitutes a response of the Polish payment sector (banks and non-banking entities) to the need for the reinforcement of financial innovations in Poland in a non-discriminatory and sustainable manner.

The objective of the initiative is also to reduce the costs of implementation of the PSD2 Directive (and other accompanying legal acts) for the payment institutions and third parties.

The standard creators assume its permanent development in response to regulatory, technological and business changes in the Polish and European markets. The changes shall be published as subsequent versions of the Polish API standard specification.

The project participants include: the Polish Bank Association together with commercial and cooperative banks, cooperative savings and credit unions (SKOK), the Polish Organisation of Non-banking Payment Institutions (PONIP) together with its associated members, the Polish Chamber of Information Technology and Telecommunications (PIIT), the Polish Insurance Association (PIU), Krajowa Izba Rozliczeniowa, Biuro Informacji Kredytowej, and Polski Standard Płatności.




News

List of sandboxes – update

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The list of the links to the testing environment of ASPSPs was …

The list of the links to the testing environment of ASPSPs was updated today. The full list is also available to download in the xls format. The list is available here

List of sandboxes

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The first part of the list of the links to the developer’s …

The first part of the list of the links to the developer’s portals or information pages with access to the testing environment of ASPSPs was published today.
The list is available here.

Report “PSD2 and Open Banking. Revolution or evolution?”

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7th of March, during international conference Open Banking Day, Polish Bank Association …

7th of March, during international conference Open Banking Day, Polish Bank Association with KPMG Poland were presented the report with results of research among Polish banks, fintech companies and customers about how they perceive the change in the banking environment driven by PSD2. The report is entitled “PSD2 and Open Banking. Revolution or evolution?”.
The consumer research was realized by CATI (Computer Assisted Telephone Interview) among 1210 respondents. The second part of the research covers surveys completed by 73 persons, employees of banks (47%), cooperative banks (22%) and fintech companies (31%).
Download report (PDF file, Polish Language)
Download summary (PDF file, English language)

PolishAPI ver. 2.1.2

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The specification of an interface for the needs of services provided by …

The specification of an interface for the needs of services provided by third parties on the basis of access to payment accounts under the name of PolishAPI (version 2.1.2) was published the 20th of February 2019. The new version contains minor changes related to i.a. new account parameters and some corrections. The scope of changes is described in the document available on the Documentation page.

PolishAPI ver. 2.1.1

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The specification of an interface for the needs of services provided by …

The specification of an interface for the needs of services provided by third parties on the basis of access to payment accounts under the name of PolishAPI (version 2.1.1) was published the 10th of December 2018 in Polish language version. The new version contains minor changes related to i.a. recurring payments and some corrections. English translation was published on the 18th of December 2018.




Documentation

Specification of an interface for the needs of services provided by third parties on the basis of access to payment accounts under the name of PolishAPI.

The specification describes Payment Initiation Service (PIS), Account Information Service (AIS) and Confirmation of the Availability of Funds (CAF).

The PolishAPI standard documentation is available based on the Creative Commons Attribution 3.0 Poland licence, https://creativecommons.org/licenses/by/3.0.

Documentation ver. 2.1.2
Interface specification – buisness part (PDF file)
Documentation (yaml):
PolishAPI-ver2.1.yaml

PolishAPI on SwaggerHub:
The basic interface

Scope of changes made in version 2.1.2

Documentation ver. 2.1.1
Interface specification – buisness part (PDF file)
Documentation (yaml):
PolishAPI-ver2.1.yaml
PolishAPI-CallBack-ver2.1.yaml

PolishAPI on SwaggerHub:
The basic interface
The CallBack interface

Scope of changes made in version 2.1.1

Documentation ver. 2.1
Interface specification – buisness part (PDF file)
Documentation (yaml):
PolishAPI-ver2.1.yaml
PolishAPI-CallBack-ver2.1.yaml

PolishAPI on SwaggerHub:
The basic interface
The CallBack interface

Scope of changes made in version 2.1

Documentation ver. 2.0
Interface specification – business part (PDF file)
Documentation (swagger)
PolishAPI-ver2.0.html
PolishAPI-CallBack-ver2.0.html
Documentation (yaml)
PolishAPI-ver2.0.yaml
PolishAPI-CallBack-ver2.0.0.yaml

Scope of changes made in version 2.0

Documentation ver. 1.0
Interface specification – business part (PDF file)
Documentation (swagger)
PolishAPI-ver1.0.0.html
PolishAPI-CallBack-ver1.0.0.html
PolishAPI-scope_details-ver1.0.0.html
Documentation (yaml, json)
PolishAPI-ver1.0.0.yaml
PolishAPI-CallBack-ver1.0.0.yaml
PolishAPI-scope_details-ver1.0.0.json

Issues reporting: report@docs.polishapi.org




Contact

Office of the PolishAPI Project
Polish Bank Association
ul. Herberta 8
00-380 Warszawa
tel. + 48 22 48 68 206
info@polishapi.org
www.zbp.pl