REST API

Browser Flow API

Merchant callback API

A convenient payment method for e-commerce.

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OP Verkkomaksu Sandbox

OP Accounts V3.0 API

Effortless access to account and transaction information.

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Accounts-v3-sandbox

OP Corporate Account Data API

Real-time information of corporate accounts and transactions into your business applications.



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Corporate Account Reporting Sandbox

OP Corporate Payment API

Payments initiated on corporate accounts directly from your business applications.



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OP Corporate Transaction Filter API

Filtered transaction data directly to your business applications.

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OP Corporate Refund API

Improve your refund processing with automation.

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OP Corporate Service Provider API

Manage service provider mandates related to OP Corporate Banking APIs.

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Finland’s largest mobile wallet payment solution is designed to make paying online easy and fast. The API supports online, in-app and Facebook Messenger.

[Go to Pivo API docs >](https://maksu.pivo.fi/docs/ "Go to Pivo API docs")

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Pivo Payment

PSD2 AIS

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PSD2 CoF

Confirm availability of funds on an account.

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PSD2 PIS

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Branches

Branches API provides your customers with up-to-date information on the closest bank branches.


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Accounts

Accounts with AI APIs provide access points to basic, enriched, and predictive information on accounts and transactions.

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siirto

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APIs for Siirto payment requests, payments, refunds and notifications.

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SiirtoSandbox

Supermaksunappi

accounts-v3

### About

Banking is OP’s largest business segment providing customers with a comprehensive range of products and services.

PSD2 regulation has obliged European banks to open their APIs to Third Party Providers, which brings a big shift in banking. We consider this a great opportunity to collaborate with FinTechs and startups and expand the services we offer our customers.

However, open banking is more than just PSD2. We are dedicated to continously develop our selection of high-quality banking APIs that would best meet our partners' needs. Our first premium API was OP Accounts V3.0 API released in February 2019. Other premium APIs include, for example, OP Online Payment API and our Corporate Banking APIs.

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Banking services for future needs

Banking

Traditional banking is going through a big shift as PSD2 obliges European banks to open their APIs. This is a great opportunity for us to collaborate with FinTechs and startups and expand the payment and account services we offer our customers.

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Health

Reach the user directly with new health services.

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Housing

Housing services that adapt to everyone's needs.

Identify customers in your application with any Finnish bank credentials or Mobile ID.


[Documentation](https://github.com/op-developer/Identity-Service-Broker-API) |
 [Sample Implementation](https://github.com/op-developer/Identity-Service-Broker-integration-example)

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OP Identity Service Broker

### About

Identity APIs allow you to identify and authenticate your end users. 

OP Identity Service Broker is OP's replacement for TUPAS. It implements Strong Customer Authentication (SCA) and allows you to make use of all Finnish Strong Customer Credentials - including Mobile ID and bank credentials.

When you want to adopt OP Identity Service Provider in production, contact your local bank.

[Read more about the Terms and Conditions of ISB >](https://www.op.fi/corporate-customers/payments-and-cash-management/merchant-services/op-identity-service-broker)

**Note -** Identity APIs are independent API products. Authentication and authorization for other API products use their own, separate flows (see e.g. [Authorization Code Grant](/p/authcodegrant)).

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Identity

Simple and secure solutions for authenticating your end users online.

Pohjola Claim Notification API

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### About

Pohjola Insurance is Finland’s leading non-life insurance company. We aim to ensure that our customers have versatile and comprehensive insurance cover. We work as a risk management partner to help our customers manage and anticipate risks. We provide our corporate customers with diversified risk management services, which enable them to better ensure trouble-free and secure business operations in the case of problems. For employee remuneration and a company’s investment needs, we offer a diverse range of supplementary pension and investment solutions.

We are continuously developing more user-friendly and customer-driven digital insurance and claims services and expanding our network of partners. We offer digital services that make it easier for you to manage your insurance transactions and make your work smoother. Our APIs help ensure high-quality customer experience and claims services that are efficient, of consistent quality, and closely available to our customers. 

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Build seamless insurance services

Insurance

Connect to Pohjola Insurance and create high-quality customer experience. Pohjola Insurance APIs are designed to make claims and insurance services as efficient as possible.

OP Corporate Banking APIs are finally available to companies who want to use them on another company’s behalf. To make managing mandates simple, we are introducing a new API: OP Corporate Service Provider API. 

Service provider authorisation available for OP Corporate Banking APIs

OP Online Payment takes e-commerce to the next level with its new multi-bank feature. It allows merchants to collect credit transfers from customers of all Finnish banks – with just one e-payment solution.

Collect online payments from all Finnish banks with one API

As businesses strive for efficiency and automation, refunding incorrect and unknown payments remain a source of manual labor. OP Corporate Refund API brings an up-to-date solution to the problem.

Get your refunds right with no manual work

Contact us

Find new business opportunities and improve customer experience with OP’s best-in-class APIs.

Our APIs go beyond banking

Create services in diverse fields

Banking services for future needs

OP Online Payment

OP Accounts V3.0 API

OP Corporate Account Data API

OP Corporate Payment API

Build seamless insurance services

Build seamless insurance services

Pohjola Claim Notification API

Register now and start creating innovations

Service provider authorisation available for OP Corporate Banking APIs

Collect online payments from all Finnish banks with one API

Get your refunds right with no manual work