# Kroo Payment Initiation API

**Canonical:** https://apis.io/apis/kroo/kroo-payment-initiation-api/  
**Provider:** Kroo — https://apis.io/providers/kroo/  
**Documentation:** https://developer.kroo.banfico.io/

Kroo Payment Initiation API is one of 3 APIs that [Kroo](https://apis.io/providers/kroo/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Payment Initiation, PIS, Open Banking, and OBIE. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an API reference.

Kroo's PSD2 Payment Initiation Service (PIS) dedicated interface, conformant to the OBIE Read/Write Payment Initiation API Standard. Lets FCA-authorised PISP third parties initiate domestic payments, scheduled payments, standing orders, and file payments from a customer's Kroo current account with their consent. FAPI-secured (OAuth2/OIDC + mTLS + PSD2 SCA via CIBA); access requires TPP onboarding through the Kroo developer portal.

## Machine-readable artifacts (5)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/kroo/refs/heads/main/openapi/obie-payment-initiation-openapi.yaml
- **Documentation** — https://developer.kroo.banfico.io/
- **APIReference** — https://github.com/OpenBankingUK/read-write-api-specs
- **Documentation** — https://kroo.com/blog/open-banking-at-kroo
- **Overlay** — https://raw.githubusercontent.com/api-evangelist/kroo/refs/heads/main/overlays/kroo-payment-initiation-overlay.yaml

## Other Kroo APIs (2)

- [Kroo Account and Transaction Information API](https://apis.io/apis/kroo/kroo-account-information-api/)
- [Kroo Confirmation of Funds API](https://apis.io/apis/kroo/kroo-confirmation-of-funds-api/)

## Tags

Payment Initiation, PIS, Open Banking, OBIE

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/kroo/kroo-payment-initiation-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/kroo/.