# Lloyds Banking Group Payment Initiation API

**Canonical:** https://apis.io/apis/lloyds-banking-group/payment-initiation-api/  
**Provider:** Lloyds Banking Group — https://apis.io/providers/lloyds-banking-group/  
**Base URL:** https://api.lloydsbank.com/open-banking/v3.1  
**Documentation:** https://developer.lloydsbanking.com/prod01/lbg/products

Lloyds Banking Group Payment Initiation API is one of 6 APIs that [Lloyds Banking Group](https://apis.io/providers/lloyds-banking-group/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Payment Initiation, PIS, and Payments. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an API reference.

OBIE Read/Write Payment Initiation (PIS) API for initiating domestic, scheduled, standing-order, international, and business bulk/batch payments with customer authorisation. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires developer-portal onboarding and Open Banking directory registration. Spec provenance is the shared OBIE Read/Write standard, not a Lloyds-proprietary contract.

## Machine-readable artifacts (4)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/lloyds-banking-group/refs/heads/main/openapi/obie-payment-initiation-openapi.yaml
- **Overlay** — https://raw.githubusercontent.com/api-evangelist/lloyds-banking-group/refs/heads/main/overlays/lloyds-banking-group-payment-initiation-overlay.yaml
- **Documentation** — https://developer.lloydsbanking.com/prod01/lbg/get-started
- **APIReference** — https://developer.lloydsbanking.com/prod01/lbg/products

## Other Lloyds Banking Group APIs (5)

- [Lloyds Banking Group Open Data API](https://apis.io/apis/lloyds-banking-group/open-data-api/)
- [Lloyds Banking Group Account and Transaction Information API](https://apis.io/apis/lloyds-banking-group/account-information-api/)
- [Lloyds Banking Group Confirmation of Funds API](https://apis.io/apis/lloyds-banking-group/confirmation-of-funds-api/)
- [Lloyds Banking Group Variable Recurring Payments API](https://apis.io/apis/lloyds-banking-group/variable-recurring-payments-api/)
- [Lloyds Banking Group Event Notifications API](https://apis.io/apis/lloyds-banking-group/event-notifications-api/)

## Tags

Payment Initiation, PIS, Payments

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