{"id":122,"date":"2024-07-09T11:32:48","date_gmt":"2024-07-09T11:32:48","guid":{"rendered":"https:\/\/developers.10npay.com\/?post_type=docs&#038;p=1442"},"modified":"2024-07-09T11:33:00","modified_gmt":"2024-07-09T11:33:00","password":"","slug":"1442","status":"publish","type":"docs","link":"https:\/\/developers.10npay.com\/bg\/docs\/1442\/","title":{"rendered":"Portal User Guide"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Dear Reader,<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:post-content -->\r\n\r\n<!-- wp:paragraph \/-->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">This document was created to help you integrate your application\/system with 10n Payment\u2019s infrastructure as Third-Party Payment Service Providers (TPPs) and Account Information Service Providers (AISPs). Software integration is organised based on API exposed from 10n Payments as an Open Banking Communication Interface is based on<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul style=\"text-align: justify;\"><!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Payment Service Directives PSD2 (EU) 2015\/2366\u00a0<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Delegated Regulation (EU) 2022\/2360<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Delegated Regulation (EU) 2018\/389.<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Standards of the Berlin Group and<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Standards of the National BISTRA.<\/span><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Information about the APIs is organised in the Sandbox portal, available for Developers of ASIP and TPP developers. This portal is connected to other testing environments of the 10n Payments.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">The URL of the portal is <a href=\"https:\/\/psd2-dev-sandbox.10npay.com\">https:\/\/psd2-dev-sandbox.10npay.com<\/a> and it is available after registration. The registration is made manually from the 10n Payments Team and includes accounts for testing environments of the 10n Payments Wallet App, 10n Payments SCA App, Testing IBAN and Testing Balance. To register your company as TPP or AISP, please send us an email to <a href=\"mailto:customerservice@10npay.com\">customerservice@10npay.com<\/a>. Please do not forget to share your TPP certificate key\/credentials (Certificate or other data) so that our system can recognize your requests.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Please be aware that most of the PSD2 API\/operations require Strong Customer Authentication (made via our SCA Testing Solution) in synchrony with the regulation and information security standards.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">For any additional information, please do not hesitate to contact us on \u0435-mail: <a href=\"mailto:customerservice@10npay.com\">customerservice@10npay.com<\/a>.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:heading {\"level\":1,\"fontSize\":\"huge\"} --><\/span><\/p>\r\n<h1 class=\"wp-block-heading has-huge-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a>Developer Portal User Interface<\/a><\/span><\/h1>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Use the menu items in the Developer Portal user interface to navigate, search and work with APIs, and obtain support. It is advised to use the Chrome browser when using the Developer portal.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:heading {\"fontSize\":\"large\"} --><\/span><\/p>\r\n<h2 class=\"wp-block-heading has-large-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\">General information<\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">You can browse available APIs and their code snippets through the PSD2 Sandbox Developer Portal &#8211; <a href=\"https:\/\/psd2-dev-sandbox.10npay.com\">https:\/\/psd2-dev-sandbox.10npay.com<\/a>. For the Production environment please contact us on \u0435-mail: <a href=\"mailto:customerservice@10npay.com\">customerservice@10npay.com<\/a>. Code snippets are sample code fragments that are generated automatically from REST APIs. They demonstrate how an API can invoke and use an API operation.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">PSD2 Sandbox Developer Portal has the following elements:<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul style=\"text-align: justify;\"><!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\"><strong>Navigation Bar<\/strong>: Home | PSD2 | Statistics | Support<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\"><strong>Search area:<\/strong> Where you can search for different content.<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\"><strong>Navigation Tree:<\/strong> Introduction | Documentation | PSD2 APIs | OAuth | Strong Customer Authentication | Statistics | Other | Support<\/span><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">PSD2 Sandbox Developer Portal helps developers familiarize themselves with the published 10n Payment Open Banking APIs and facilitates preparation for API usage in a product environment.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">PSD2 Sandbox Developer Portal follows.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul style=\"text-align: justify;\"><!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Berlin Group NextGenPSD2 XS2A Framework Implementation Guidelines 1.3.12 (July 2022)<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">BISTRA Standard 1.2 and current API implementation and services<\/span><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">The 10n Payments Open Banking APIs mocked data for<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul style=\"text-align: justify;\"><!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Account Information Services (AIS) as defined by article 67 in the PSD2 Directive;<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Payment Initiation services (PIS) as defined by Article 66 in the PSD2 Directive;<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Confirmation on the availability of funds (CoF) as defined by Article 65 in the PSD2 Directive;<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Consent services to create consent.<\/span><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Please note that the information is not real-time at this point.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:heading {\"fontSize\":\"large\"} --><\/span><\/p>\r\n<h2 class=\"wp-block-heading has-large-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a>Look and feel.<\/a><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:image {\"id\":1040,\"width\":\"672px\",\"height\":\"auto\",\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} --><\/span><\/p>\r\n<figure class=\"wp-block-image size-full is-resized\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><img decoding=\"async\" class=\"wp-image-1040\" src=\"\/wp-content\/uploads\/docs-assets\/Picture1.png\" alt=\"\" \/><\/span><\/figure>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:image -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:heading {\"level\":1,\"fontSize\":\"huge\"} --><\/span><\/p>\r\n<h1 class=\"wp-block-heading has-huge-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a>Understanding 10n Payments PSD2 Sandbox Developer Portal<\/a><\/span><\/h1>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">To understand and successfully use our sandbox portal you should know that each API Article has the following\u00a0 elements:<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul style=\"text-align: justify;\"><!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">General description of the API and Use cases,<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Example Data\u00a0 and Code snippet<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Error codes and additional information. \u00a0<\/span><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">The purpose of the article is to explain API usage and provide an example via Code Snippet and an option for developers to execute with sample data vs. 10n Payments PSD2 Hub&#8217;s different API and receive responses to better understand how to integrate\u00a0\u00a0 10n Payment\u2019s accounts and payment operations into their applications.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">To be able to use API, the developers should have registration to our developer\u2019s environment of the infrastructure.\u00a0 For that purpose, the 10n payment customer service team will provide you with:<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Testing account and balance, which can be reviewed and managed via 10n Payments Testing Wallet,<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:image {\"id\":1042,\"width\":\"64px\",\"height\":\"auto\",\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} --><\/span><\/p>\r\n<figure class=\"wp-block-image size-full is-resized\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><img decoding=\"async\" class=\"wp-image-1042\" src=\"\/wp-content\/uploads\/docs-assets\/10nPay_Wallet_TEST_ICON.jpg\" alt=\"\" \/><\/span><\/figure>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:image -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Android: <a href=\"https:\/\/play.google.com\/store\/apps\/detailsid=com.tennpay.wallet\">https:\/\/play.google.com\/store\/apps\/detailsid=com.tennpay.wallet<\/a><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">iOS :\u00a0 <a href=\"https:\/\/apps.apple.com\/us\/app\/10n-stock-trading-investing\/id1673108253\">https:\/\/apps.apple.com\/us\/app\/10n-stock-trading-investing\/id1673108253<\/a><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">To login and use our Wallet App you should have active registration in our Strong Customer Authentication App:<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:image {\"id\":1045,\"width\":\"61px\",\"height\":\"auto\",\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} --><\/span><\/p>\r\n<figure class=\"wp-block-image size-full is-resized\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><img decoding=\"async\" class=\"wp-image-1045\" src=\"\/wp-content\/uploads\/docs-assets\/10nPay_SCA_TEST_ICON-1.jpg\" alt=\"\" \/><\/span><\/figure>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:image -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Android:\u00a0 <a href=\"https:\/\/play.google.com\/store\/apps\/detailsid=com.apipax.sbc10n\">https:\/\/play.google.com\/store\/apps\/detailsid=com.apipax.sbc10n<\/a><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">iOS :\u00a0 <a href=\"https:\/\/apps.apple.com\/us\/app\/10n-stock-trading-investing\/id1673108253\">https:\/\/apps.apple.com\/us\/app\/10n-stock-trading-investing\/id1673108253<\/a><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">You can rely on the 10n Payments Support team to register and activate these applications. After successfully activating this application, you can manage your wallet and execute payment operations.\u00a0 These applications are valid only for using the 10n Payment PSD2 Sandbox Developer Portal. In case a merchant (the company) has integration with 10n Pay Payment operations API and uses embedded banking in their application, only a Strong Customer Authentication app will be used, but for that case, before start using the 10n Payments PSD2 Sandbox Developer Portal, you as a company should have another type of relationship established with 10n Payments.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">The app mentioned above will provide all the required parameters to test our PSD2 Sandbox Developer Portal and PSD2 APIs.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:heading {\"level\":1,\"fontSize\":\"huge\"} --><\/span><\/p>\r\n<h1 class=\"wp-block-heading has-huge-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a>Process of using 10n Payment Open Banking<\/a><\/span><\/h1>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">In using Open Banking from 10n Payments, Individual customers with existing IBANs want to use their IBANs for Information, Payment Initiation, and Transaction information in a third-party application developed by a third-party provider, a.k.a. TPP. The TPP\u2019s application is software developed in accordance with Open banking standards. TPP\u2019s app handshakes with 10n Payment open banking based on these standards. EIDAS certificates encrypt communication between the two apps. For more information, read section 3 \u2013 transport Layer (page 11) from NextGenPSD2 Access to Account Interoperability Framework &#8211; Implementation Guidelines<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">10n Payment Open banking includes:<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul style=\"text-align: justify;\"><!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">OAuth Service for customer authentication<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Account Information \u2013 API<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Payment Initiation \u2013 API<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Confirmation of funds API<\/span><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">IMPORTANT: Each operation handled by the 10n Payment Open Banking and our PSD2 Sandbox Developer Portal should be authenticated via the 10n Payment Open Banking Auth Service. For more about this rule, read @Vassil\u2014LINK from the documentation.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">The leading role of the 10n Payment Authentication service is to authenticate the end customer with his credentials and the merchant application to which he belongs. Additionally, before completion of the authentication, the customer should choose which IBAN to use in TPP\u2019s app (in case there is more than one). The OAuth Process ends with sending the token and IBAN to the TPP for future usage. Be aware that each token expires after 5 minutes of inactivity.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Separate from the authentication service, 10n Payment provides a Strong Customer Authentication solution to authenticate the customer via a separate communication channel.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">To execute operations via open banking, the customer should provide the following for each operation:<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul style=\"text-align: justify;\"><!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Customer\u2019s KNOWLEDGE is provided by our OAuth Service and<\/span><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><span style=\"font-size: 20px;\">Customer\u2019s POSSESSION is provided by our SCA Solution<\/span><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:heading {\"level\":1,\"fontSize\":\"huge\"} --><\/span><\/p>\r\n<h1 class=\"wp-block-heading has-huge-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\">High-level services and applications architecture<\/span><\/h1>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:image {\"id\":1055,\"width\":\"690px\",\"height\":\"auto\",\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} --><\/span><\/p>\r\n<figure class=\"wp-block-image size-full is-resized\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><img decoding=\"async\" class=\"wp-image-1055\" src=\"\/wp-content\/uploads\/docs-assets\/Architecture_v9_PSD2_v2.png\" alt=\"\" \/><\/span><\/figure>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:image -->\r\n\r\n<!-- wp:heading {\"level\":1,\"fontSize\":\"huge\"} --><\/span><\/p>\r\n<h1 class=\"wp-block-heading has-huge-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a>Flows<\/a><\/span><\/h1>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:heading {\"fontSize\":\"large\"} --><\/span><\/p>\r\n<h2 class=\"wp-block-heading has-large-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a>Authentication of 10n Payments Individual customers.<\/a><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:image {\"id\":1058,\"width\":\"691px\",\"height\":\"auto\",\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} --><\/span><\/p>\r\n<figure class=\"wp-block-image size-full is-resized\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><img decoding=\"async\" class=\"wp-image-1058 aligncenter\" src=\"\/wp-content\/uploads\/docs-assets\/oAuth.png\" alt=\"\" \/><\/span><\/figure>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:image -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Only operations with Active tokens will be allowed from 10n Payments Open banking. The oAuth Service should be called by the TPP whenever the authentication token was expired. Balow are the basic PSD Operations with oAuth<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:heading {\"fontSize\":\"large\"} --><\/span><\/p>\r\n<h2 class=\"wp-block-heading has-large-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a>Consent \u2013 first registration.<\/a><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:image {\"id\":1060,\"width\":\"1022px\",\"height\":\"auto\",\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} --><\/span><\/p>\r\n<figure class=\"wp-block-image size-full is-resized\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><img decoding=\"async\" class=\"wp-image-1060 aligncenter\" src=\"\/wp-content\/uploads\/docs-assets\/Consent.png\" alt=\"\" \/><\/span><\/figure>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:image -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Onboarding Process via TPP<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">TPP vs PSD2 EIDAS Certificate check and TPP Registration<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">Establish Consent<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><strong>STEP 1 \u2013 OAUTH STEP &#8211; In TPP APP<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">At this step, inside the TPP application in the in-app browser, the customer provides his 10n payment account credentials and merchant (10n Payment Agent) to the oAuth Service and goes via an authentication process. At this step, if the customer has more than one IBAN, the oAuth Service requests the customer to choose which IBAN he wants to provide consent to. In case the customer has only one IBAN, this step is skipped.\u00a0 When the customer chooses the IBAN, the oAuth Service provides the TPP App the Token and IBAN for the next Step \u2013 consent issuing.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><strong>STEP 2 \u2013 Consent issuing<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">At this step, the TPP use the Token + IBAN and sends consent, issuing a request to 10n Pay Open Banking. The request details are described as <a href=\"https:\/\/psd2-dev-sandbox.10npay.com\/products\/%d0%bd%d0%b0%d1%87%d0%b0%d0%bb%d0%bd%d0%b0-%d1%80%d0%b5%d0%b3%d0%b8%d1%81%d1%82%d1%80%d0%b0%d1%86%d0%b8%d1%8f-%d0%bd%d0%b0-%d0%ba%d0%be%d0%bd%d1%81%d0%b5%d0%bd%d1%82\/\">Consent \u2013 First Registration (10npay.com)<\/a>. Success Open Banking will issue consent to this IBAN. Consent can be issued only with valid and active tokens. In case the customer spent time, and the token expires the token should be reissued.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph --><\/span><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:paragraph -->\r\n\r\n<!-- wp:heading {\"fontSize\":\"large\"} --><\/span><\/p>\r\n<h2 class=\"wp-block-heading has-large-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a href=\"https:\/\/psd2-dev-sandbox.10npay.com\/products\/%d0%b8%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d1%8f-%d0%bf%d0%be-%d1%81%d0%bc%d0%b5%d1%82%d0%ba%d0%b8\/\">Account Information<\/a><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:heading {\"fontSize\":\"large\"} --><\/span><\/p>\r\n<h2 class=\"wp-block-heading has-large-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a href=\"https:\/\/psd2-dev-sandbox.10npay.com\/products\/payment-initiation\/\">Payment Initiations<\/a><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><!-- \/wp:heading -->\r\n\r\n<!-- wp:heading {\"fontSize\":\"large\"} --><\/span><\/p>\r\n<h2 class=\"wp-block-heading has-large-font-size\" style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><a href=\"https:\/\/psd2-dev-sandbox.10npay.com\/products\/confirmation-of-funds\/\">Confirmation of funds<\/a><\/span><\/h2>","protected":false},"excerpt":{"rendered":"<p>Dear Reader, This document was created to help you integrate your application\/system with 10n Payment\u2019s infrastructure as Third-Party Payment Service Providers (TPPs) and Account Information Service Providers (AISPs). Software integration is organised based on API exposed from 10n Payments as an Open Banking Communication Interface is based on Payment Service Directives PSD2 (EU) 2015\/2366\u00a0 Delegated [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"footnotes":""},"doc_category":[],"doc_tag":[],"knowledge_base":[34],"class_list":["post-122","docs","type-docs","status-publish","hentry","knowledge_base-psd2"],"year_month":"2026-06","word_count":1338,"total_views":0,"reactions":{"happy":0,"normal":0,"sad":0},"author_info":{"name":"10npaydev","author_nicename":"10npaydev","author_url":"https:\/\/developers.10npay.com\/bg\/author\/10npaydev\/"},"doc_category_info":[],"doc_tag_info":[],"knowledge_base_info":[{"term_name":"psd2","term_url":"https:\/\/developers.10npay.com\/bg\/docs\/psd2\/","term_slug":"psd2"}],"knowledge_base_slug":["psd2"],"_links":{"self":[{"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/docs\/122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/comments?post=122"}],"version-history":[{"count":0,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/docs\/122\/revisions"}],"wp:attachment":[{"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/media?parent=122"}],"wp:term":[{"taxonomy":"doc_category","embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/doc_category?post=122"},{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/doc_tag?post=122"},{"taxonomy":"knowledge_base","embeddable":true,"href":"https:\/\/developers.10npay.com\/bg\/wp-json\/wp\/v2\/knowledge_base?post=122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}