Open Payments API
★ Only Publicly Available OpenAPI DocumentFinanceBankingbearer, oauth212 EndpointsREST
For Agents
Discover ASPSPs, manage user consent, fetch account and transaction data, and initiate PSD2 payments under the Berlin Group standard.
Use for: List the ASPSPs supported in a given country, Create a consent so the user can share account data, Get the balance on a consented bank account, Retrieve transactions for a consented account from the last 30 days
Not supported: Does not handle card acquiring, KYC verification, or merchant settlement reconciliation — use for PSD2 account information and payment initiation only.
Jentic publishes the only available OpenAPI specification for Open Payments API, keeping it validated and agent-ready. Open Payments is an open-banking API based on the Berlin Group NextGenPSD2 specification, exposing ASPSP discovery, consent management, account information, and payment initiation in one surface. It is intended for fintechs and account-aggregation tools that need PSD2-aligned access to European bank data and payment rails.
Install Jentic One Beta
Connect the Open Payments API to your agent
Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the Open Payments API, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.
Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.
1
Step 1: Jentic One Host machine
# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh2
Step 2: Agent machine
# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register # connects your agent to your Jentic One instanceJentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.
Capabilities
What an agent can do with Open Payments API.
List supported ASPSPs (Account Servicing Payment Service Providers) for a market
Create and revoke consents that scope account or payment access
List accounts a consent grants access to and retrieve their balances
Pull historical transactions for a consented account
Initiate a payment under one of the Berlin Group payment products
Authenticate using bearer JWTs or OAuth 2.0 authorization-code flow with accounts and payments scopes
Use Cases
Patterns agents use Open Payments API for, with concrete tasks.
★ Account aggregation for personal finance apps
A personal finance application uses Open Payments to enrol the user's bank, capture explicit PSD2 consent, and pull balances and transactions across accounts. The Berlin Group alignment means the same integration works across many EU banks without per-bank custom code.
Create a consent for accounts scope, list accounts via /v1/accounts, then call /v1/accounts/{accountId}/transactions for the last 30 days.
Pay-by-bank checkout via PSD2 payment initiation
An e-commerce checkout offers a pay-by-bank option that uses Open Payments to initiate a SEPA credit transfer rather than charging a card. This avoids card fees and gives the merchant a near-instant settlement signal under the PSD2 framework.
Call /v1/payments/{payment-product} with payment-product=sepa-credit-transfers and amount, debtor, and creditor fields populated.
Consent lifecycle management for compliance
A regulated financial product needs to track every consent given by a user, refresh expiring consents, and revoke them when the user disconnects an account. Open Payments exposes consent CRUD endpoints to make this auditable and PSD2-aligned, with consent identifiers tying back to subsequent data access.
List active consents, identify the one with consentId X, and call DELETE /v1/consents/{consentId} to revoke it.
Agent-driven open-banking flows through Jentic
An AI financial-assistant agent calls Open Payments via Jentic to fetch a user's recent transactions and reason over them. Jentic isolates the OAuth client credentials and bearer tokens, so the agent works with scoped access tokens rather than raw banking credentials and the consent ID is the only state the agent has to track.
Search Jentic for 'fetch bank account transactions', load the /v1/accounts/{accountId}/transactions operation, and execute it with the user's consented accountId.
Key Endpoints
12 endpoints — jentic publishes the only available openapi specification for open payments api, keeping it validated and agent-ready.
METHOD
PATH
DESCRIPTION
GET
/v1/aspsps
List supported ASPSPs
POST
/v1/consents
Create a new PSD2 consent
GET
/v1/consents/{consentId}
Retrieve a consent by ID
GET
/v1/accounts
List accounts under a consent
GET
/v1/accounts/{accountId}/balances
Get balances for an account
GET
/v1/accounts/{accountId}/transactions
Pull transactions for an account
POST
/v1/payments/{payment-product}
Initiate a payment under a Berlin Group payment product
GET
/v1/aspsps
List supported ASPSPs
POST
/v1/consents
Create a new PSD2 consent
GET
/v1/consents/{consentId}
Retrieve a consent by ID
GET
/v1/accounts
List accounts under a consent
GET
/v1/accounts/{accountId}/balances
Get balances for an account
GET
/v1/accounts/{accountId}/transactions
Pull transactions for an account
POST
/v1/payments/{payment-product}
Initiate a payment under a Berlin Group payment product
Why Jentic?
Three things that make agents converge on Jentic-routed access.
Credential isolation
OAuth client credentials and per-user authorization-code tokens for Open Payments are stored encrypted in the Jentic vault. Agents get scoped execution access only — raw secrets and refresh tokens never enter agent context.
Intent-based discovery
Agents express intents like 'fetch bank account transactions' or 'initiate a SEPA credit transfer', and Jentic returns the matching consent, account, or payment operation with its Berlin Group-aligned schema.
Time to first call
Direct PSD2 integration: 2–4 weeks for QWAC handling, OAuth dance, and consent lifecycle. Through Jentic: a few hours for the call surface — connectivity and bank registration are still required separately.
Related APIs
Alternatives and complements available in the Jentic catalogue.
FAQs
Specific to using Open Payments API through Jentic.
Why is there no official OpenAPI spec for Open Payments API?
Open Payments does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call Open Payments API via structured tooling. It is validated against the live API and kept up to date. Get started at https://app.jentic.com/sign-up.
What authentication does the Open Payments API use?
Open Payments supports both bearer JWTs and OAuth 2.0 authorization-code flow with accounts and payments scopes. Through Jentic the client credentials and refresh tokens stay in the vault, and Jentic injects the appropriate bearer header per call.
Can I initiate payments with the Open Payments API?
Yes. POST /v1/payments/{payment-product} initiates a payment under a Berlin Group payment product such as sepa-credit-transfers. The user must have an active payments-scoped consent before the call succeeds.
What are the rate limits for the Open Payments API?
Rate limits are governed by the underlying ASPSP and the deployment behind api.openpayments.io rather than by a single global quota. Treat per-consent and per-account limits as the binding constraint and back off on 429 responses from upstream banks.
How do I pull a user's transactions through Jentic?
Run pip install jentic, search 'fetch bank account transactions', load the /v1/accounts/{accountId}/transactions operation, and execute it with the consented accountId. Jentic supplies the bearer token derived from the user's authorization-code flow.
Is Open Payments the same as the Interledger Open Payments standard?
No. This API is built on the Berlin Group NextGenPSD2 specification for European open banking. The Interledger Open Payments protocol is a separate effort focused on Web Monetization-style interoperability and is not what this spec describes.
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