Open banking

See how Wirepayer Terminal uses Open Banking to add value

embracing transparency

Open Banking has revolutionised the way people experience banking services. 


Open banking is a financial services term that refers to: the use of open APIs that enable third-party developers to build applications and services around the financial institution. Open Banking providers greater financial transparency options for account holders ranging from open data to private data.

As an Account Servicing Payment Service Provider (ASPSP) Wirepayer is using Open Banking to provide access to Third Party Providers (TPPs) to account information and payment initiation services in accordance with the PSD2 Regulations. 

Banking app 1
open banking
Before PSD2
Banking app 2
Bank 1
Bank 2
After PSD2
Bank 1
API authorised FinTech
Bank 2

Wirepayer terminal

safe, secure, optimal

Helping people and businesses to manage their money more easily and effectively than ever before through the use of market leading technology.



The availability of the Sandbox environment combines technical and productive accessibility to provide the optimal structure for bringing your concept to reality.


Sandbox allows you to create and test code against a variety of different practical scenarios.


Account Information Services & Payment Initiation APIs

Both the Account Information interface and the Payment Initiation interface are being provided using v3.1 of the Open Banking Read/Write Data API Specifications.


Client Authentication

A browser based Redirect method will be used for client authentication, both during the consent process and during any subsequent authentication. The user experience for the client authentication process will be exactly the same as for clients that are logging in to the dedicated interface, with the addition of Open Banking-mandated consent journey elements at the end. Following the completion of the authentication process, there will be the playback of the consent request for the client to verify, along with account selection.

TPP Registration

All Third Party Providers (TPP) must be registered by the relevant National Competent Authority (NCA) and enrolled on the Open Banking Directory. Open Banking Independent Entity (OBIE) will provide TPP’s with an SSA (a JSON Web Token (JWT) containing client metadata about TPP client software signed by the OpenBanking Directory).

To register to use Wirepayer's APIs a TPP should email us at and provide their SSA.

If you have any technical queries or require technical support in regard to Wirepayer’s Open Banking APIs please email us at