The revised Payments Services Directive (PSD2) mandates banks to provide access to account (XS2A) facilities to licensed Third Party Provider s (TPPs). There are three types of Third Party Providers (TPPs):

● Account Information Service Providers (AISP): AISP APIs are for access to a customer's online payment account data via a TPP.

● Payment Initiation Service Provider (PISP): PISP APIs are for the initiation of payments from an online payment account via a TPP.

● Payment Service Providers that are Card-based Payments Instruments Issuers (CBPII): CBPII APIs are to confirm availability of funds of an online payment account.

PSD2 also states that communications between the ASPSPs and the TPPs have to be secure and compliant with the Regulatory Technical Standards (RTS) on Strong Customer Authentication and Common and Secure Communication.

Our bank has implemented the ICBC PSD2 API which is based on Open Banking Implementation Entity (OBIE) standard for compliance with PSD2 regulation. Our bank PSD2 API Platform is designed to provide a ready to use, complete infrastructure for PSD2 APIs. You can find detailed documentations and specifications on our ICBC API Developer Portal. You can also test our APIs using widely used standard tools for API access.

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ICBC API Developer Portal:
https://open.icbc.com.cn/icbc/apip/europe/index.html

Your rights when making payments in Europe: Leaflet Your rights - payment