# Open Payments API > A unified Open Banking platform providing PSD2-compliant API access to account information services (AIS) and payment initiation services (PIS) across Nordic and European banks. Open Payments offers a harmonized REST API built on the Berlin Group NextGenPSD2 Framework, enabling developers to integrate banking services including account access, payment initiation, and bank discovery across multiple financial institutions through a single, white-labeled platform. The platform supports both sandbox testing and production environments, with OAuth2/OIDC authentication and comprehensive documentation for developers building fintech applications, payment solutions, and account aggregation services. ## Base Documentation - [Platform Introduction](https://docs.openpayments.io/docs/introduction.md): Overview of Open Banking capabilities and platform architecture - [Getting Started Guide](https://docs.openpayments.io/docs/getstarted.md): Step-by-step integration process from sandbox to production - [API Reference](https://docs.openpayments.io/docs/api.md): Authentication, environments, and technical requirements - [OpenAPI Specification](https://docs.openpayments.io/openpayments_api.yaml): Complete REST API specification with all endpoints and schemas ## Authentication & Security - [Get Access Token](https://docs.openpayments.io/docs/get_access_token.md): OAuth2 token acquisition workflow - [Credentials Guide](https://docs.openpayments.io/docs/credentials.md): Credentials for testing in sandbox - [KYC Requirements](https://docs.openpayments.io/docs/kyc.md): Know Your Customer compliance and verification - [Authorisations](https://docs.openpayments.io/docs/authorisations.md): Authorisation flow for consents, payments and signing baskets ## Bank Integration - [Supported Banks](https://docs.openpayments.io/docs/banks.mdx): Complete list of integrated banks by country with capability matrix - [List Banks](https://docs.openpayments.io/docs/list_banks.md): API endpoint for discovering available banks ## Account Information Service (AIS) - [Consent & Account Information](https://docs.openpayments.io/docs/consent_and_ais.md): Create consent and retrieve account information ## Payment Initiation Service (PIS) - [Payments](https://docs.openpayments.io/docs/quickstart_pis.md): Initiate payments and signing baskets via PSD2 - [Premium Services](https://docs.openpayments.io/docs/premium.md): Premium services for pre-payment validations ## Alternative Payment APIs - [ISO Payments](https://docs.openpayments.io/docs/iso_payments.md): Initiate payments via ISO files - [FX Connect](https://docs.openpayments.io/docs/fx_connect.md): Initiate cross-border payments without the PIS ## Premium APIs - [Payouts](https://docs.openpayments.io/docs/payouts.md): Premium API for funds disbursement - [Bankgiro Lookup](https://docs.openpayments.io/docs/bankgiro_lookup.md): Premium API for account lookups via Bankgirot - [SEPA Direct Debit](https://docs.openpayments.io/docs/sepa_direct_debit.md): Premium API for initiating collections via SEPA Direct Debit - [Verification of Payee](https://docs.openpayments.io/docs/vop.md): Premium API for performing VoP checks. ## Developer Resources - [Sandbox Environment](https://docs.openpayments.io/docs/sandbox.md): Sandbox-specific values and test data - [API Enumerations](https://docs.openpayments.io/docs/enums.md): Complete list of API enumeration values, types, statuses - [Error Messages](https://docs.openpayments.io/docs/error_messages.md): Comprehensive error code reference - [Glossary](https://docs.openpayments.io/docs/glossary.md): Technical terms and definitions ## Optional - [Support](https://docs.openpayments.io/docs/support.md): Technical support channels and resources - [Changelog January-April 2025](https://docs.openpayments.io/docs/changelog/2025-04.md): API updates and changes from January to April 2025 - [Changelog May 2025](https://docs.openpayments.io/docs/changelog/2025-05.md): API updates and changes from May 2025 - [Changelog June 2025](https://docs.openpayments.io/docs/changelog/2025-06.md): API updates and changes from June 2025 - [Changelog July 2025](https://docs.openpayments.io/docs/changelog/2025-07.md): API updates and changes from July 2025 - [Changelog August 2025](https://docs.openpayments.io/docs/changelog/2025-08.md): API updates and changes from August 2025 - [Changelog September 2025](https://docs.openpayments.io/docs/changelog/2025-09.md): API updates and changes from September 2025 - [Changelog October-November 2025](https://docs.openpayments.io/docs/changelog/2025-11.md): API updates and changes from October to November 2025 - [Changelog January 2026](https://docs.openpayments.io/docs/changelog/2026-01.md): API updates and changes from January 2026 - [Changelog February 2026](https://docs.openpayments.io/docs/changelog/2026-02.md): API updates and changes from February 2026 - [Changelog March 2026](https://docs.openpayments.io/docs/changelog/2026-03.md): API updates and changes from March 2026 - [Changelog April 2026](https://docs.openpayments.io/docs/changelog/2026-04.md): API updates and changes from April 2026 - [Changelog May 2026](https://docs.openpayments.io/docs/changelog/2026-05.md): API updates and changes from May 2026 - [Changelog June 2026](https://docs.openpayments.io/docs/changelog/2026-06.md): API updates and changes from June 2026 - [Changelog July 2026](https://docs.openpayments.io/docs/changelog/2026-07.md): API updates and changes from July 2026 - [Changelog August 2026](https://docs.openpayments.io/docs/changelog/2026-08.md): API updates and changes from August 2026 - [Changelog September 2026](https://docs.openpayments.io/docs/changelog/2026-09.md): API updates and changes from September 2026