Open Banking
- General information
- TPP
- Real API Developer Portal
- Sandbox
- PSD2 additional documentation
The first Payments Service Directive (PSD1) created a fundamental legal framework that defined equal rules for processing of payment orders in Europe. However, further development in the field of payments brought new services that were not regulated by this Directive.
The second Payment Service Directive (PSD2) simplified entry of new payment service providers into the European market and introduced rules by which these entities can provide payment services to PSUs (payment service users).
The PSD2 brought changes in the area of payment services, the main one being the obligation to provide third-party access to selected services via the API interface (Application Programming Interface).
The new APIs allow initiation of payment orders or obtaining account information – naturally, not without the respective client's consent.
TPPs are third party payment service providers. They are authorized network service providers introduced within the open banking scope. They exist outside the client's relationship with the bank, but can be included in the transactions that the client executes.
The new EU PSD2 Directive (Payment Services Directive 2) allows TPPs to develop new software solutions that provide additional value to bank customers. After meeting regulatory requirements and obtaining the payment service provider's license from the respective national regulator, TPPs can register their organizations on our test and production development portals to consume various API sets.
Our Real API Developer portal is available at this link to all registered third-party service providers.
We invite you to join us in the effort to improve the banking industry. Our primary goal is customer satisfaction, which we would like to achieve by combining ideas and experiences of third parties with customer loyalty and stability of Raiffeisen Bank Albania.
As a member of Raiffeisen Bank Sh.a, for the regulatory scope that we follow, we use NextGenPSD2 documentation in most of the core documents related to the PSD2 API.
If you need any additional information or have any general questions, please feel free to send us your inquiries via the Contact Form of the Real API Developer Portal. In the case of portal upgrade and temporary unavailability, you can contact us by e-mail at open.banking@raiffeisen.al or info@raiffeisen.al.
Our Sandbox is available at this link to all registered third-party service providers.
We invite you to join us in the effort to improve the banking industry. Our primary goal is customer satisfaction, which we would like to achieve by combining ideas and experiences of third parties with customer loyalty and stability of Raiffeisen Bank Albania.
As a member of the Raiffeisen Bank Sh.a, for the regulatory scope that we follow, we use NextGenPSD2 documentation in most of the core documents related to the PSD2 API.
If you need any additional information or have any general questions, please feel free to send us your inquiries through the Contact Form of the Sandbox portal. In the case of portal upgrade and temporary unavailability, you can contact us by e-mail at open.banking@raiffeisen.al or info@raiffeisen.al.
PSD2 documentation, common to all Albanian banks, is available on the Albanian Association of Banks website (Home - Shoqata Shqiptare e Bankave).