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.
<a href="https://op-developer-cms.op-content.fi/en/psd2/">Read more about PSD2</a>

E-commerce payments

First paragraph

Collect e-commerce payments as account-to-account credit transfers. The service allows your customers to pay from their account in any Finnish bank. The payments are credited to your company's account at OP. This means having one integration only and managing incoming transactions on one bank account only.

Features

Online banking payments are a familiar payment method for your customers and easy for you to integrate.

Modern and safe way to collect payments

Refund easily a payment fully or partially.

Hassle-free refunds

Receive notifications of payment status changes.

Status notifications as a callback

The multibank feature allows your customers to pay from their account in any Finnish bank.

All Finnish banks with one integration

REST API

Browser Flow API

Merchant callback API

External link

<a class="external-link" href="https://op-developer-cms.op-content.fi/en/p/hmac-authentication/">Authentication Signature for OP Online Payment API</a>

A convenient payment method for e-commerce.

OP Online Payment

OP Online Payment on op.fi

OP Online Payment takes e-commerce to the next level with its new multi-bank feature.

Collect online payments from all Finnish banks with one API

Onboarding - Online payment

<h3>Try the API out in the sandbox</h3>
Register on OP Developer and create a developer application.
<h3>Integrate and develop in production</h3>
Production access requires a contract with your OP cooperative bank. Contact your OP cooperative bank directly. Once you have signed the contract, <a href="https://op-developer.fi/developers/apps/create">apply for production access</a> to get an API key. The API key will be available through OP Developer after we have accepted your application. The API keys are different for the sandbox and production.
Read more detailed instructions in the technical documentation.

The OP Request to Pay API allows businesses to experiment with a different way to collect payments that is based on requesting payments instead of sending an invoice. The API focuses on the billing process. It always returns a verification of successful payment. Our goal is to help billers to discover potential use cases and identify possible blockers in payment collection processes.
We are not currently planning production use with OP Request to Pay API. We look forward to getting feedback on how Request to Pay would fit into your payment collection process.

Create and send a new Request to Pay to the payee.

Create a new Request to Pay

The API always returns a verification of successful payment.

Check payment status

OP Request to Pay API documentation

OP Request to Pay API

Onboarding - OP Developer Sandbox

<div class="ds-modal__body">
<h3>Try the API out in the sandbox</h3>
Register on OP Developer and create a developer application.
 This API is not available in production.
</div>

OP Corporate banking

OP Corporate Account Data API allows your company to access real-time account data at any time. The API provides corporate customers with an overview of their accounts with up-to-date balance and transaction information.  
With the API, you can take the data directly to your company's application. Thus, you can benefit from the automated use of data enabling you to redefine processes for efficient operations in the treasury or any other function.

Get a list of your company's accounts and their details.

Show details of accounts

View up-to-date account balances in your company's own application

View account balance

Retrieve account transactions for real-time processing.

Check transactions

OP Corporate Account Data API documentation

OP Corporate Account Data API

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

Make your operations more efficient with our API solutions

Make your operations more efficient with our API solutions (op.fi)

OP Corporate Banking API solutions

Two new premium APIs available for corporate account data and payments

OP Corporate Banking APIs launched in production

Onboarding - Corporate API

<h3>Try the API out in the sandbox</h3>
Send us an email at <a href="mailto:corp-payment-APIs@op.fi">corp-payment-APIs@op.fi</a>.
<h3>Integrate and develop in production</h3>
You can get production access for this API at <a href="https://valtuutus.op.fi/corporate-api-admin/">OP API Admin‍</a>.

OP Corporate Account Verification API enables your company to verify your business partner's bank account before initiating a payment. 
Errors in payee details are frustrating and cause extra work and hassle for the payer. The API helps your company avoid those situations by checking the payee account information is valid before you even initiate a payment. These checks can be easily integrated into your company’s processes, such as payments or supplier management. When the account details are correct, payments are executed faster and more reliably. An improved payment completion rate saves you both time and money.

Make sure that an account is open to receive funds before initiating a payment.

Check if an account is open

For some banks' accounts, you can verify that the recipient's name corresponds to the account holder.

Verify the account owner

OP Corporate Account Verification API documentation

OP Corporate Account Verification API

Smooth payments with correct payee details.

Make your company’s payments reliable and transparent with OP’s new Corporate Banking APIs

OP Corporate International Payment Tracking API provides your company with up-to-date tracking information regarding your international payments. You can automate the tracking of payments and integrate the solution with your company’s existing systems. The API allows you to see each step of the payment from debiting to crediting to the beneficiary in real time. If your payment fails, the API alerts you immediately. This way, you always know the status of your payments. If there is a problem with a payment, you can act right away and avoid your business processes slowing down because of it. The service is available for Swift GPI payments that are sent via OP. You can make the payment in any of OP's channels (for example, the Web Services channel or any of OP’s digital services, such as <a href="https://op.fi">op.fi</a>).

If your payment fails for some reason, the API alerts you immediately and you can act accordingly.

Track your international payments

Most of cross-border payments in OP are GPI payments.

Supports SWIFT GPI payments

OP Corporate International Payment Tracking API

Adding transparency to cross-border payments.

OP Corporate Payment API enables corporate customers to make real-time payments directly from their own application at any time. The API allows making SEPA payments and SEPA Instant payments. Payments are processed 24/7/365. Primarily payments are initiated as SEPA Instant payments. If a payment cannot be processed as a SEPA Instant payment, a SEPA payment is initiated as a fallback.
This allows you to integrate your company's payment operations efficiently into business processes. Real-time payments improve efficiency and customer experience.

The payments are processed around the clock, every day of the year.

Make payments 24/7/365

Primarily payments are initiated as SEPA Instant payments that make funds available in the payee's account within seconds.

Funds available within seconds

Stay up to date on the payment processing.

Immediate response on the payment success

OP Corporate Payment API documentation

OP Corporate Payment API

Payments initiated on corporate accounts directly from your business applications.

OP Corporate Refund API allows OP's corporate customers to refund a SEPA credit transaction in full or partially. 
Companies often receive transactions which cannot be balanced with receivables. Automating the process with the help of the interface simplifies and speeds up the refunding of incorrect payments. OP Corporate Refund API lets you refund payments based on the details of the original received payment. To perform the refund, you do not need to find out the original payer’s account number, as OP will forward the payment to the correct recipient.

Automation and real-time payments enable refunds to be processed in no time.

Instant refunds

OP will forward the payment to the correct recipient leaving no room for typing errors in the payment details.

Controlled processing

OP Corporate Refund API documentation

OP Corporate Refund API

Improve your refund processing with automation.

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.

Automate your company’s refund processes with OP Corporate Refund API

Get your refunds right with no manual work

With a service provider mandate, your company can authorize a service provider to manage the company's payment services using the OP Corporate Banking API solutions.  
OP Corporate Service Provider API allows registered service providers to view and manage mandates related to OP Corporate Banking APIs. With the help of the API, the service provider can automate the processes related to customer onboarding and mandate management without the need for manual steps.

See who has given you a mandate and what the scope of services on the mandated agreement is.

Check mandates

Get and renew the technical credentials related to the mandated agreements.

Generate credentials

OP Corporate Service Provider API documentation

OP Corporate Service Provider API

Manage service provider mandates related to OP Corporate Banking APIs.

OP Corporate Banking APIs are finally available to companies who want to use them on another company’s behalf

Service provider authorisation available for OP Corporate Banking APIs

OP Corporate Transaction Filter can be used to search and filter a single or a set of transactions on a company's account. You can use the API to verify that a transaction has been credited or debited on an account, for example. 
With the API, you can take the data directly to any application in your company. Thus, you can benefit from automated use of real-time data that enables you to redefine processes for efficient operations in treasury or any other function, such as customer service.

The API allows you to use multiple filters, such as the reference number, amount or name.

Multiple filtering parameters

As a safeguard, the service limits the access to account data to a maximum of ten transactions that match the given parameters.

Controlled access

OP Corporate Transaction Filter API documentation

OP Corporate Transaction Filter API

Filtered transaction data directly to your business applications.

Find transactions in real time from your company’s account data

New OP Corporate Transaction Filter API now in sandbox

OP Corporate Transaction Info API provides your company with more information about transactions for reconciliation purposes. The API returns the payer name and payer address when the payment has originated from an OP account. 
Companies often receive incorrect or otherwise unknown payments which cannot be balanced with receivables. Automating the process with the help of the interface simplifies and speeds up the investigation of unknown payments. With OP Corporate Transaction Info API, you can get further information on a transaction instantly with the filing code.

Identify incorrect and unknown payments easily with no waiting time.

Payer details instantly

OP Corporate Transaction Info API documentation

OP Corporate Transaction Info API

Get the details of account transactions for reconciliation purposes effortlessly.

PSD2

OP PSD2 Account Information Service API (AIS) gives you access to OP's customer's account and transaction data. The API is available for all Third-Party Providers who have an AISP licence and valid QWAC and QSEAL certificates.

Get data on all current accounts to which the customer has provided authorization.

All current accounts, their details and transactions

Retrieve a list of the end user's credit cards and the transactions on them. 

All credit cards and card transactions

Create and revoke authorization from the end user.

Authentication and authorization

PSD2 - Product Description

<h3>Production issues</h3>
During office hours, you can contact us about any production issues via email at <a href="mailto:tpp-support@op.fi">tpp-support@op.fi</a>. Please provide us with the following information:
<ul>
<li>Date and time of the issue (including time zone)</li>
<li>Description of the issue</li>
<li>Full error response</li>
<li>authorizationId</li>
<li>clientId</li>
<li>x-fapi-interaction-id header value</li>
<li>authorization request JWT (when issue is with /oauth/authorize)</li>
</ul>
Outside office hours, please <a href="https://www.op.fi/private-customers/customer-service/report-a-problem">report production issues on op.fi</a> and send the ticket number to <a href="mailto:tpp-support@op.fi">tpp-support@op.fi.</a> Include the following information in the report:
<ul>
<li>System: "PSD2 AWS API" or "PSD2 Authorization" depending on whether the issue is with API call or with authorization</li>
<li>Service: "PSD2 Account Information Service"</li>
</ul>
Do not include sensitive information such as client secret, API key or access token, when contacting us.

OP PSD2 AIS API documentation

PSD2 AIS

<a href="https://op-developer-cms.op-content.fi/en/p/accountauthorizationflow/">Workflow for OP PSD2 AIS API</a>
<a href="https://op-developer-cms.op-content.fi/en/p/psd2-tpp-setup/">TPP Setup for PSD2 APIs</a>

OP PSD2 Account Information Service API

OP PSD2 APIs

Create innovative banking services with PSD2 APIs

OP's PSD2 APIs up and running in production

PSD2: Innovation and improved consumer rights in account and payment services

Now account data is no longer tied to one bank and strong identification is required more often. Read here what PSD2 is and how it changed banking.

New banking services and safer payments – Impacts of PSD2 on your daily banking (op.fi)

Impacts of PSD2 on your daily banking

PSD2 Demo Application

Onboarding - PSD2

<h3>Try the API out in the sandbox</h3>
Register on OP Developer and create a developer application. <a href="https://op-developer.fi/p/psd2-tpp-setup#sandbox-access">Read more detailed instructions for sandbox access.</a>
<h3>Integrate and develop in production</h3>
Apply for an AISP or PISP licence from a financial authority and obtain valid QWAC and QSEAL certificates. Then, you can register for PSD2 APIs. <a href="https://op-developer.fi/p/psd2-tpp-setup#production-access">Read more detailed instructions for production access.</a>

OP PSD2 Payment Initiation Service API (PIS) allows you to create and submit online payments on behalf of OP's personal customers. The API is available for all Third-Party Providers who have a PISP licence and valid QWAC and QSEAL certificates.

SEPA payments can be immediate, scheduled for later, or recurring.

Create and submit SEPA payments

The API supports international payments, too.

Initiate payments to any country

You can bundle multiple payments together, so that the end user can confirm them all in one go.

Bundle payments together

OP PSD2 PIS API V2

<a class="external-link" href="https://op-developer-cms.op-content.fi/en/p/workflow-for-op-psd2-payment-initiation-service-api-v2/">Workflow for OP PSD2 PIS API</a>
<a class="external-link" href="https://op-developer-cms.op-content.fi/en/p/psd2-tpp-setup/">TPP Setup for PSD2 APIs</a>

OP PSD2 Payment Initiation Service API

OP PSD2 Confirmation of Funds API (CoF) allows you to check whether an OP customer's account has a certain amount of funds. The API is available for all Third-Party Providers who have an AISP licence and valid QWAC and QSEAL certificates.

Make sure that an OP customer's account has a certain amount of funds.

Check whether an account has funds

Create and revoke authorization from the end user

OP PSD2 CoF API documentation

PSD2 Cof

<a class="external-link" href="https://op-developer-cms.op-content.fi/en/p/cofauthorizationflow/">Workflow for OP PSD2 CoF API</a>
<a class="external-link" href="https://op-developer-cms.op-content.fi/en/p/psd2-tpp-setup/">TPP Setup for PSD2 APIs</a>

Confirm availability of funds on an account.

OP PSD2 Confirmation of Funds API

The Web Services channel allows customer systems to upload and download payment transfer content to and from bank.

Web Services

Web Services is a secure and reliable channel designed for companies that want to send and receive payment transaction data between their bank and their own software. It can be easily integrated with your company's own systems, such as financial management software and ERP systems.
Get to know also <a class="external-link" title="OP Corporate Banking APIs" href="https://op-developer.fi/products/banking">OP Corporate Banking APIs</a> – a new way to create a banking connection to any of your company’s systems.

Send and receive your company's payment transaction data directly to your company's own systems.

Automate and enhance your financial management processes

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

Connection to the bank's services from a company's own software

Web Services channel on op.fi

Web Services channel

Onboarding - Contact bank

Please contact your OP cooperative bank to make an agreement and to get the identifiers to use the service.

Other Banking APIs

OP Branches API provides you with up-to-date information on the closest OP bank branches to you. The API supports filtering by bounding box and free-text query. You can sort the results by nearest to the furthest. The data is available in both Finnish and Swedish. 
We offer the Branches API for use both in the sandbox and in production to anyone interested free of charge.

Get up-to-date information on the closest OP bank branches.

Find OP bank branches

You can filter the locations by bounding box or free-text query and sort them by nearest first.

Filter and sort the results

You can get the results either in JSON or as a GeoJSON FeatureCollection object.

Supports JSON and GeoJSON

OP Branches API documentation

Branches

Provide your customers with up-to-date information on the closest bank branches.

OP Branches API

Onboarding - OP Developer Production

<h3>Try the API out in the sandbox</h3>
Register on OP Developer and create a developer application.
<h3>Integrate and develop in production</h3>
Request production access on OP Developer after signing in. Read more detailed instructions in the technical documentation.

<div class="content-wrapper">OP Accounts V3.0 API was available for onboarding in the sandbox and in production for selected partners only. The API is deprecated and we are not accepting any more new applications. For all licensed TPPs, we offer our <a title="PSD2 APIs" href="https://op-developer-cms.op-content.fi/en/psd2/">PSD2 APIs.</a> OP Accounts V3.0 API provides easy access to private customers' account and transaction information from their Current Accounts. It features a simplified API, reduced headers and flattened response models for smoother consumption. In short, Accounts V3.0 reflects our accumulated knowledge of how to design great banking APIs.</div>

The API provides personal customers' account and transaction information from their current accounts.

Account and transaction information

Get a list of a personal customer's cards and card transactions.

Cards and card transactions

OP Accounts V3.0 API documentation

OP Accounts V3.0 API

Effortless access to account and transaction information.

Onboarding - No Onboarding

We are not onboarding new users for this API in the sandbox or in production.