PSD2 API Documentation
The Payment Services Directive 2 (PSD2) regulates payment services and service providers throughout the European Economic Area (EEA). Thus, more non-banks are involved in payment transactions, consumer protection is further strengthened and the rights and obligations of payment providers and users are harmonised. Among others PSD2 contains regulations of new services to be operated by so called Third Party Providers (TPP) on behalf of a Payment Service User (PSU).
The services can only be used by licensed TPPs possessing the specific eIDAS certificate. Each service offered by a TPP needs to be instructed by the customer, here called PSU.
The basis for our PSD2 XS2A Interface implementation are Berlin Group’s NextGenPSD2 XS2A Framework Implementation Guidelines Version 1.3, Croatian Banking Association (CBA) PSD2 API documentation and KABA documentation:
Technical documentation will be made available to you after you finish the registration process via this form.
Our technical documentation provides the necessary information to interact with Karlovačka banka’s XS2A Interface, such as:
Our Sandbox allows you, as a TPP, easy-to-use testing against our PSD2 compliant XS2A Test Interface, which corresponds to the system in operational use. Get in touch with us to get started.
Our Sandbox environment allows you to proceed an integration testing with you application and the Karlovačka banka PSD2 API. The Sandbox simulates API responses in a production site behavior. Resources will be generated dynamically in the Sandbox and will be a reflection of the production API system. Please look out on Technical Documentation for more detailed information on the Sandbox test approach. The test scenarios are aligned to the KABA Test Guideline test cases. The test data (IBAN, User credentials etc.), provided in the KABA Test Cases , has to be used for the positive test scenarios, as they are linked to the underlying artificial test accounts. If you use any other test data, you will get back the correlating error message.
Before you can get started, following steps must be fulfilled:
API users and persons performing tests can contact the Bank for additional information or submit complaints regarding PSD2 compliance and Bank API: