TietoEVRY

TietoEVRY (Tietoevry Corporation, listed as TIETO on Nasdaq Helsinki and Stockholm, rebranded to "Tieto" in 2026) is a Nordic software and technology company of roughly 14,000 people operating in 20+ countries, serving banking, healthcare, public sector and industry. Its public API surface is published by the banking business (Tieto Banktech / Tietoevry Banking) through the Tietoevry Banking API Hub at api.tietoevry.com, which fronts three developer portals: an Open Banking PSD2/XS2A platform built on the Berlin Group NextGenPSD2 framework with a free self-service sandbox, a Financial API Aggregation service offering one integration to Nordic and Baltic banks, and a Credit Cloud platform for loan origination and loan life-cycle management. 24 machine-readable Swagger 2.0 / OpenAPI 3.0 contracts covering 211 operations are published unauthenticated from the Open Banking and Aggregation portals, including account information, payment initiation, confirmation of funds, bulk and periodic payments, payment recall, request-to-pay, signing baskets, virtual account management, card account information and a SEPA Direct Debits gateway with a webhook event-notification surface.

TietoEVRY publishes 3 APIs on the APIs.io network: Open Banking XS2A APIs, Financial API Aggregation, and SEPA Direct Debits. Tagged areas include Company, Banking, Open Banking, PSD2, and XS2A.

The TietoEVRY catalog on APIs.io includes 1 event-driven AsyncAPI specification.

TietoEVRY’s developer surface includes authentication, documentation, API reference, getting-started guide, signup flow, support, engineering blog, and 23 more developer resources.

🌐 Visit website 📡 Source on GitHub

52.1/100 developing Agent 33/100 agent ready Full breakdown ↓
scored 2026-09-02 · rubric v0.18.0

24 APIs

Company Banking Open Banking PSD2XS2ABerlin Group Payments SEPA Account InformationFinancial ServicesAggregation Credit Fintech Nordic Finland

Kin Score

Kin Score How this is scored →
scored 2026-09-02 · rubric v0.18.0

Composite quality — 52.1/100 · developing

Contract Quality 12.5 / 21

Developer Ergonomics 11.2 / 17

Access Clarity 5.8 / 17

Operational Transparency 5.5 / 11

Contract Governance 1.9 / 10

Discoverability 5.5 / 9

Regulatory Posture 6.8 / 15

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/tietoevry: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

Rate Limits 1

Documented rate limits and quota policies.

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

DeclineCodes

DeclineCodes

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 4

Status, limits, changes, and where to get help

Support

HelpCenter

ChangeLog

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Plans

Plans

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Glossary

Glossary

Source (apis.yml)

aid: tietoevry
name: TietoEVRY
description: 'TietoEVRY (Tietoevry Corporation, listed as TIETO on Nasdaq Helsinki and Stockholm, rebranded to "Tieto" in
  2026) is a Nordic software and technology company of roughly 14,000 people operating in 20+ countries, serving banking,
  healthcare, public sector and industry. Its public API surface is published by the banking business (Tieto Banktech / Tietoevry
  Banking) through the Tietoevry Banking API Hub at api.tietoevry.com, which fronts three developer portals: an Open Banking
  PSD2/XS2A platform built on the Berlin Group NextGenPSD2 framework with a free self-service sandbox, a Financial API Aggregation
  service offering one integration to Nordic and Baltic banks, and a Credit Cloud platform for loan origination and loan life-cycle
  management. 24 machine-readable Swagger 2.0 / OpenAPI 3.0 contracts covering 211 operations are published unauthenticated
  from the Open Banking and Aggregation portals, including account information, payment initiation, confirmation of funds,
  bulk and periodic payments, payment recall, request-to-pay, signing baskets, virtual account management, card account information
  and a SEPA Direct Debits gateway with a webhook event-notification surface.'
url: https://raw.githubusercontent.com/api-evangelist/tietoevry/refs/heads/main/apis.yml
image: https://www.tieto.com/images/tieto-logo.svg
x-type: company
x-source: harvest:openehr-coalition
x-tier: profiled
x-tier-reason: enrichment-pipeline
specificationVersion: '0.20'
created: '2026-09-02'
modified: '2026-09-02'
x-enrichment:
  date: '2026-09-02'
  status: enriched
  artifacts_added: 93
  pass: local-v1
tags:
- Company
- Banking
- Open Banking
- PSD2
- XS2A
- Berlin Group
- Payments
- SEPA
- Account Information
- Financial Services
- Aggregation
- Credit
- Fintech
- Nordic
- Finland
apis:
- aid: tietoevry-openbanking-xs2a
  name: Tietoevry Open Banking XS2A APIs
  description: PSD2-compliant Access to Account (XS2A) APIs implementing the Berlin Group NextGenPSD2 framework, plus Tietoevry
    premium extensions beyond the PSD2 mandate. Covers account information (AIS), payment initiation (PIS), confirmation of
    funds (PIIS), bulk payments, future-dated and periodic payments, payment recall, request-to-pay and subscriptions to request-to-pay,
    signing baskets, card and card-account information, extended account owner details, and Virtual Account Management (VAM).
    Every endpoint shares one hostname and is selected by a sandbox|live path segment; a free self-service sandbox with simulated
    SCA and fake PSUs requires no eIDAS certificate.
  humanURL: https://openbanking.api.tietoevry.com/
  baseURL: https://openbanking.api.tietoevry.com
  tags:
  - Open Banking
  - PSD2
  - XS2A
  - Berlin Group
  - Account Information
  - Payment Initiation
  - Confirmation of Funds
  - Virtual Accounts
  properties:
  - type: OpenAPI
    url: openapi/tietoevry-openbanking-xs2a-swagger.json
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-accounts.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-accounts.v1_2.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-accounts-premium.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-accounts-cards-premium.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-payments.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-payments.v1_2.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-bulk-payments.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-future-dated-payments-premium.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-periodic-payments-premium.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-recall-payments.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-request-to-pay.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-subscriptions-request-to-pay.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-signing-baskets.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-funds.v1_3.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-funds.v1_2.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-vam-accounts.yaml
  - type: OpenAPI
    url: openapi/tietoevry-tieto-xs2a-vam-users.yaml
  - type: Overlay
    url: overlays/tietoevry-tieto-xs2a-accounts-v1-3-overlay.yaml
  - type: Overlay
    url: overlays/tietoevry-tieto-xs2a-payments-v1-3-overlay.yaml
  - type: Overlay
    url: overlays/tietoevry-openbanking-xs2a-swagger-overlay.yaml
  - type: GettingStarted
    url: https://openbanking.api.tietoevry.com/getting-started
  - type: Documentation
    url: https://openbanking.api.tietoevry.com/documentation
  - type: SignUp
    url: https://openbanking.api.tietoevry.com/sign-up
- aid: tietoevry-financial-api-aggregation
  name: Tietoevry Financial API Aggregation
  description: A single-integration aggregation layer over Nordic and Baltic banks, exposing provider discovery, end-user
    management and aggregated XS2A operations (accounts, balances, transactions, consents, confirmation of funds and payment
    initiation) across many connected ASPSPs behind one contract, with a pre-step SCA service and aggregated consent creation.
  humanURL: https://aggregation.api.tieto.com/
  baseURL: https://aggregation.api.tieto.com
  tags:
  - Aggregation
  - Open Banking
  - XS2A
  - Multibanking
  - Nordic
  - Baltic
  properties:
  - type: OpenAPI
    url: openapi/tietoevry-financial-api-aggregation-swagger.json
  - type: Overlay
    url: overlays/tietoevry-financial-api-aggregation-swagger-overlay.yaml
  - type: Documentation
    url: https://aggregation.api.tieto.com/
- aid: tietoevry-sepa-direct-debits
  name: Tietoevry SEPA Direct Debits
  description: A SEPA Direct Debit gateway for Creditor and Debtor roles, allowing creditors to initiate payments, cancel
    (reverse) them and issue refunds, and debtors to reject payments and raise chargebacks, with an event-notification webhook
    mechanism that pushes state changes for payments, refunds and incoming collections to Creditor-Notification-URI and Debtor-Notification-URI
    endpoints.
  humanURL: https://openbanking.api.tietoevry.com/documentation/sepa-direct-debit
  baseURL: https://payments.api.tieto.com/live/v1/sepadd
  tags:
  - SEPA
  - Direct Debit
  - Payments
  - Chargebacks
  - Refunds
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/tietoevry-sepa-direct-debit-api-gateway.yaml
  - type: OpenAPI
    url: openapi/tietoevry-sepa-direct-debit.yaml
  - type: Overlay
    url: overlays/tietoevry-sepa-direct-debit-api-gateway-overlay.yaml
  - type: Webhooks
    url: asyncapi/tietoevry-sepa-direct-debit-webhooks.yml
- aid: tietoevry-credit-cloud
  name: Tietoevry Credit Cloud
  description: A credit platform used by banks and financial institutions in 20+ countries to manage virtually any type of
    credit, organised around loan origination, loan life cycle and collection. The developer portal is published but every
    API reference behind it sits behind a Keycloak sign-in, so no machine-readable contract and no base URL are publicly stated.
  humanURL: https://credit.api.tietoevry.com/
  tags:
  - Credit
  - Lending
  - Loan Origination
  - Collections
  - Banking
  properties:
  - type: SignUp
    url: https://credit.api.tietoevry.com/sign-up
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/tietoevry-domain-security.yml
- type: Authentication
  url: authentication/tietoevry-authentication.yml
- type: Website
  url: https://www.tietoevry.com/en/
- type: DeveloperPortal
  url: https://api.tietoevry.com/
- type: Documentation
  url: https://openbanking.api.tietoevry.com/documentation
- type: APIReference
  url: https://openbanking.api.tietoevry.com/documentation/xs2a
- type: GettingStarted
  url: https://openbanking.api.tietoevry.com/getting-started
- type: SignUp
  url: https://openbanking.api.tietoevry.com/sign-up
- type: Login
  url: https://openbanking.api.tietoevry.com/sign-in
- type: Support
  url: https://openbanking.api.tietoevry.com/contact-us
- type: HelpCenter
  url: https://openbanking.api.tietoevry.com/faq
- type: Glossary
  url: https://openbanking.api.tietoevry.com/documentation/glossary
- type: Blog
  url: https://www.tieto.com/en/newsroom/
- type: GitHubOrganization
  url: https://github.com/tietoevry
- type: TermsOfService
  url: https://www.tietoevry.com/en/legal-notice/
- type: PrivacyPolicy
  url: https://www.tietoevry.com/en/privacy-notice/
- type: LinkedIn
  url: https://www.linkedin.com/company/tietoevry
- type: Packages
  url: packages/tietoevry-packages.yml
- type: LLMsTxt
  url: llms/tietoevry-llms.txt
- type: Conformance
  url: conformance/tietoevry-conformance.yml
- type: ErrorCatalog
  url: errors/tietoevry-problem-types.yml
- type: DeclineCodes
  url: errors/tietoevry-decline-codes.yml
- type: Lifecycle
  url: lifecycle/tietoevry-lifecycle.yml
- type: Sandbox
  url: sandbox/tietoevry-sandbox.yml
- type: Conventions
  url: conventions/tietoevry-conventions.yml
- type: ChangeLog
  url: changelog/tietoevry-changelog.yml
- type: DataModel
  url: data-model/tietoevry-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Plans
  url: plans/tietoevry-plans-pricing.yml
- type: RateLimits
  url: rate-limits/tietoevry-rate-limits.yml

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TietoEVRY

Kin Score

APIs 4

Tietoevry Open Banking XS2A APIs

Tietoevry Financial API Aggregation

Tietoevry SEPA Direct Debits

Tietoevry Credit Cloud

Pricing Plans 1

Tietoevry Plans Pricing