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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 premium APIs include, for example, OP Online Payment API and OP Corporate Banking APIs.

PSD2

<h2>PSD2 Products</h2>
<a href="/psd2">Read more about PSD2‍</a>

PSD2 Products

PSD2 APIs

Sandbox: Register on OP Developer and create a developer application.
Production: Apply for an AISP/PISP license from a financial authority and obtain valid QWAC and QSEAL certificates. Then, you can register to PSD2 APIs. You do not need to make an application on OP Developer. Read more detailed instructions in the technical documentation.

Documentation

PSD2 AIS

OP PSD2 Account Information Service API

PSD2 Cof

Confirm availability of funds on an account.

OP PSD2 Confirmation of Funds API

OP PSD2 PIS API V2

OP PSD2 Payment Initiation Service API

Web Services

<h2>Web Services channel</h2>
The Web Services channel allows customer systems to upload and download payment transfer content to and from the bank.

Web Services Products

External link

<a href="https://www.op.fi/corporate-customers/payments-and-cash-management/electronic-services-for-businesses/companys-bank-connection-channel">Documentation</a>

To onboard the API in the sandbox or in production, please contact your OP cooperative bank.

Web Services channel is designed for secure and reliable transmission of binary content between OP Financial Group’s corporate customer and the services of the bank.

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. 

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.

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.

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.
<a href="https://www.op.fi/corporate-customers/payments-and-cash-management/merchant-services/op-identity-service-broker">Read more about the Terms and Conditions of ISB</a>
Note - Identity APIs are independent API products. Authentication and authorization for other API products use their own, separate flows.

Simple and secure solutions for authenticating your end users online.