TPPs have to authenticate towards the ASPSP/Bank PSD2 APIs using certificates and (in some cases) TPP credentials.

finAPI Access supports the following two authentication scenarios:

• NCA (BaFin/FMA) licenced AISP/PISP can upload their certificates and credentials to finAPI Access and access PSD2 APIs using their own certificates and credentials

• unlicenced clients that use the finAPI PSD2-Licence/Web Form can access PSD2 APIs using the finAPI certificates and credentials

For a detailed description on how you can access PSD2 APIs as a licenced TPP, please refer to the following pages:

• How to register with an ASPSP / Bank to gain TPP API access

• Using your own eIDAS Certificates and TPP Credentials in finAPI Access PSD2

For e detailed description on how you can access PSD2 APIs as an unlicenced finAPI client, please refer to the following page:

TPP Authentication using the finAPI PSD2-Licence