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INTEGRATION · OPEN BANKING
Open Banking Integration for Ukrainian Banks — NBU Compliance
We integrate the Open Banking platform (selected by the bank's chosen vendor) with the bank's internal systems. Compliant with NBU Resolution No. 80, PSD2, FAPI, and OAuth 2.0. Turnkey implementation from 4 months.
PayForce acts as the integrator — connecting your chosen Open Banking provider to your bank's infrastructure without disrupting existing processes or services.
CONTEXT
What Is Open Banking, and Why Does It Matter Now
Open Banking is a model in which a bank, with the client's written consent, grants third-party providers access to the client's accounts and payment transactions through secure APIs. In Ukraine, this is no longer a matter of competitive advantage but a regulatory requirement — banks are obligated to ensure technical readiness for open banking under NBU Resolution No. 80.
AISP — access to client account information
PISP — initiation of payment transactions
Exclusively with the client's written consent
REGULATORY FRAMEWORK
THE SOLUTION COMPLIES WITH:
01. NBU Resolution No. 58 — authentication and strong customer authentication in the payment market
02. NBU Resolution No. 80 — regulation on open banking in Ukraine
03. NBU Resolution No. 286 — protection and disclosure of banking secrecy
04. Law of Ukraine "On Payment Services"
05. PSD2 / FAPI / OAuth 2.0 — international standards
ARCHITECTURE
SOLUTION ARCHITECTURE
PayForce — the connecting link between the bank and the Open Banking provider
OPEN BANKING PROVIDER
— Selected separately by the bank
— Responsible for NBU regulatory compliance
— Provides the API protocol
PAYFORCE
— Bank client web portal
— API connector
— System business logic
— Consent management
— Interaction database
BANK
— Account balance
— Statement of period
— Account details
— List of accounts
— Payment orders
— Transaction status
IMPLEMENTATION
Implementation Timeline — 4 Months, Turnkey
MONTH 1
Requirements specification
MONTH 2
Provider integration
MONTH 3
Bank integration + web portal
MONTH 4
Testing and documentation ✓