Open Banking API

Possible to accessing bank account balances and transactions in real-time via API connection. A user in TS who has access to the accounts can, via mobile bank ID or other bank-specified authorization, give consent to TS to import bank balances and transactions on demand. 

The consent is valid for 180 days before it needs to be renewed. 

The bank connection can be used instantly after the consent is given, and no additional agreement or setup is needed with the bank. 

If you want to use target balance and create FX hedges and bank transfer to other accounts automatically, an intra-day balance can be fetched from the API at a time of your choosing. 

Transactions can also be imported on treasury accounts, and bank account reconciliation can be performed throughout the day to reconcile all payments that should be executed today. 

Following banks and countries are supported today

User ids  PSU = A Payment Services User is a natural or legal person making use of a payment service as a payee, payer or both. 

TS needs to add a Open Payment login and certificate in credential before the customer can give their consent. 

Svenska handelsbanken the customer needs to login to the handelsbanken online and give a proxy to start using 

Login

Go Tjänster / Fullmakter

Registrera ny

Självbetjäningstjänster

Check Internet företag tillägstjänster API Företag

Click Klar

Click Utför

Signera

Click Visa fullmakter toverify that it has been saved. Also see video below. 

Open Payments & Handelsbanken ( https://www.openpayments.io/integrera/handelsbanken )

Add a bank Consent

Open Settings / Credential 

All active consents are shown 

In credential tab Consents click on + Create Consent

• Enter a name
• Choose company
• Choose country 
• If Bank ID should be used - click Use QR code
• If Banks own authentification methods should be used do NOT click Use QR code
• Click Continue
• Select a bank
• If QR code is used scan the code with your bank ID app
• If banks own authentification methos is used you will be redirected to the banks webbpage for authentification. 
• After the authentification is successfully then go back to TS and click Continue 
• Select accounts 
• Click OK

It is possble to remove the consent then no user or the autopilot will be able to access account information. It is also 

Add Open banking integration (Bank Accounts)

Import bank account with all information from the API

A Bank with correct BIC must be in TS before import accounts. 

Open Autopilot Tab Integration 

1. click + add integration
2. Select open payments importer 
3. Enter a name
4. Select a consent
5. Choose Booked, pending or Both
6. Select accounts
7. Mappings Enter Legal entity and automatch. If one legal entity has many accounts and is not called the same in TS it is possible to add manuall mapping. If TS does not find a matching Legal entity, a warning on the master data widget will be show Accounts no Legal entity and it will be possible in master data view to select legal entity blank and add the Legal entity manually. 
8. Click on run to manually run the integration and check in history that the integration is green and succeeded
9. Go to TAB activities and Create new activity to schedule the integration

Add Open banking integration Balances and transactions

Import bank account balances and transactions. 

Open Autopilot Tab Integration 

1. click + add integration
2. Select open payments importer 
3. Enter a name
4. Select a consent
5. Add a date in fetch from 
6. Choose Booked, pending or Both
7. Select transactions / balances
8. If automatic reconciliation should be done then tick Process Run reconciliation automatch 
9. Set e.g. -1M in automatch begin date
10. Mappings Enter Legal entity and automatch. If one legal entity has many accounts and is not called the same in TS it is possible to add manuall mapping. If TS does not find a matching Legal entity, a warning on the master data widget will be show Accounts no Legal entity and it will be possible in master data view to select legal entity blank and add the Legal entity manually. 
11. Click on run to manually run the integration and check in history that the integration is green and succeeded
12. Go to TAB activities and Create new activity to schedule the integration

Note Autopilot needs permission Open banking Import Integration to run the import automatically.