Open banking is a financial services framework that enables third-party providers (TPPs) to securely access consumer banking, transaction, and other financial data from banks and financial institutions via Application Programming Interfaces (APIs). PSD2, or the Second Payment Services Directive, is a European regulation that allows TPPs access your account information and initiate payments with your explicit consent, ensuring you have control over how your data is used.

When you use a regulated TPPs to combine data across your different bank accounts (account information service) or to make secure online purchases through payment initiation service (PIS) and need to confirm the access request, you’ll be redirected to Vivid’s website through our trusted url, openbanking.vivid.money.

At Vivid, we’ll use finAPI to offer Access to Account (XS2A). With a valid QWAC certificate, you’ll be able to access our interface at:

Vivid will support the SCA (Strong Customer Authentication) method redirect.
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Find more details and test accounts in the TPP Developer Guide. For help, email [email protected].