emerging · -1.8

PSD2

Score 21.4 / 100 82 providers +11 via APIs 44 APIs Search apis.io →

Providers using this tag (82)

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 4 Complete, well-documented, and agent-ready
Wealth ReaderBank AggregationOpen BankingFinancial Data2 APIs67.3KlarnaFintechBuy Now Pay LaterPaymentsCards6 APIs73.1Memo BankCompanyFintech InsurtechBankingBusiness Banking3 APIs69.5Token.ioPaymentsOpen BankingBankingFinancial Services4 APIs67.9
Strong 9 Solid coverage with minor gaps
TinkOpen BankingPayment InitiationAccount Aggregation9 APIs63.1GenomeFinancePaymentsBankingOpen Banking1 API64.7RiskifiedFraud PreventionChargebacksE-CommercePayments10 APIs64.0Groupe BPCECompanyBankingFinancial ServicesOpen Banking10 APIs61.5The Bank of LondonCompanyBankingClearing BankPayments1 API59.7iBanFirstCompanyFintech InsurtechCross-Border PaymentsForeign Exchange1 API59.6BancomatATMBankingFinancial ServicesItaly4 APIs58.8BarclaysBankingCredit CardsFAPIFinance52 APIs58.6Allica BankFinancial ServicesBankingOpen Banking2 APIs54.3
Developing 29 Usable, with meaningful gaps to close
FintectureOpen BankingPaymentsFrance5 APIs51.9KontomatikOpen BankingAISBank Data Aggregation4 APIs44.2first directFinancial ServicesBankingOpen Banking4 APIs53.5The Co-operative BankFinancial ServicesBankingOpen Banking1 API51.4AlgbraFinancial ServicesBankingOpen Banking1 API50.9Deutsche BankBankingFinanceWealth ManagementOpen Banking34 APIs50.6LemonwayPaymentsMarketplaceIBANKYC3 APIs48.6Danske Bank (UK)Financial ServicesBankingOpen Banking12 APIs46.6NopanPaymentsPayment Service ProviderAccount-to-AccountWallet Payments1 API46.3Weatherbys BankFinancial ServicesBankingOpen Banking4 APIs46.2Triodos Bank UKFinancial ServicesBankingOpen Banking2 APIs45.8TietoEVRYCompanyBankingOpen Banking24 APIs45.2Yorkshire Building SocietyFinancial ServicesBankingBuilding SocietyOpen Banking4 APIs44.8TrueLayerData APIFinancial ServicesOpen BankingPayments1 API44.5HolviCompanyBankingFintechPayments1 API44.3Virgin Money UKFinancial ServicesBankingOpen Banking1 API44.1Starling BankFinancial ServicesBankingOpen Banking1 API43.5AIB Group (UK)Financial ServicesBankingOpen Banking1 API42.5C. Hoare & Co.Financial ServicesBankingPrivate BankOpen Banking3 APIs41.8Connexis CashAccount InformationBNP ParibasCash ManagementCorporate Banking2 APIs41.7Nationwide Building SocietyFinancial ServicesBankingBuilding SocietyOpen Banking3 APIs41.2Coventry Building SocietyFinancial ServicesBankingBuilding SocietyOpen Banking4 APIs40.7Chase UKFinancial ServicesBankingOpen Banking3 APIs40.2Secure Trust BankFinancial ServicesBankingOpen Banking4 APIs40.2Hampden & CoFinancial ServicesBankingPrivate BankingOpen Banking3 APIs40.0InvestecFinancial ServicesBankingOpen Banking3 APIs39.9Vanquis Banking GroupFinancial ServicesBankingOpen Banking3 APIs39.9KrooFinancial ServicesBankingOpen Banking3 APIs39.7zopaCompanyBankingFintechOpen Banking2 APIs39.5
Thin 28 Limited public surface area
Enable BankingOpen BankingAISPPISP1 API39.1YapilyOpen BankingAISPPISPPayments5 APIs39.2Recognise BankFinancial ServicesBankingOpen Banking4 APIs38.7CouttsFinancial ServicesBankingPrivate BankWealth Management3 APIs38.6Bank of Ireland (UK)Financial ServicesBankingOpen Banking4 APIs38.5KonsentusOpen BankingOpen FinancePSD31 API38.5TSB BankFinancial ServicesBankingOpen Banking2 APIs38.3Cashplus BankFinancial ServicesBankingOpen Banking4 APIs38.1Skipton Building SocietyFinancial ServicesBankingBuilding SocietyOpen Banking1 API37.9Tandem BankFinancial ServicesBankingOpen Banking3 APIs37.6Lloyds Banking GroupFinancial ServicesBankingOpen Banking5 APIs37.4Monument BankFinancial ServicesBankingOpen Banking4 APIs37.4UK Open BankingOpen BankingFinancial ServicesPaymentsAccount Information7 APIs36.8HalifaxFinancial ServicesBankingOpen Banking1 API36.6Cynergy BankFinancial ServicesBankingOpen Banking3 APIs36.1Metro BankFinancial ServicesBankingOpen Banking1 API36.1GB BankFinancial ServicesBankingOpen Banking4 APIs35.7Santander UKFinancial ServicesBankingOpen Banking4 APIs35.7InsurelyCompanyOpen FinanceInsuranceFintech1 API35.4Handelsbanken UKBankingOpen BankingFinancial Services7 APIs34.9MettleFinancial ServicesBankingBusiness BankingOpen Banking1 API34.3NatWest GroupBankingOpen BankingFinancial ServicesPayments3 APIs33.8Leeds Building SocietyFinancial ServicesBankingBuilding SocietyMutual1 API33.7Principality Building SocietyFinancial ServicesBankingBuilding SocietySavings1 API33.7Paragon BankFinancial ServicesBankingSavingsMortgage4 APIs32.0Bank of ScotlandFinancial ServicesBankingOpen Banking4 APIs31.9Shawbrook BankFinancial ServicesBankingSavingsSpecialist Lending4 APIs31.8BBVABankingFinancial ServicesOpen Banking4 APIs29.4
Emerging 6 Early or largely undocumented
ABN AMROFinanceBanksEuropean BankingOpen Banking3 APIs19.5Salt EdgeFintechOpen BankingAggregator1 API26.1Klarna KosmaOpen BankingAISPI6 APIs25.0ComplyBridgeCompanyComplianceRegTechFinancial Services16.5Redwood BankFinancial ServicesBankingBusiness BankingSmall Business1 API16.1ANNA MoneyFinancial ServicesBankingFintechBusiness Account15.2
Minimal 6 Almost no public developer surface
Kevin.CompanyPaymentsOpen BankingAccount-to-Account1 API0.0GoinCompanyFintechPersonal FinanceSavings9.6HSBCFinanceBanksGlobal BankingOpen Banking1 API8.3RabobankFinanceBanksBankingOpen Banking5 APIs6.6INGFinanceBanksEuropean BankingOpen Banking1 API5.7OrdoPaymentsUnited KingdomOpen BankingAccount-to-Account6 APIs0.0

APIs with this tag (44)

Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Strong 6 Solid coverage with minor gaps
Genome PSD2 APIBerlin Group NextGenPSD2 dedicated interface. Account Information Services, Payment Initiation Services for...64.7Riskified Adaptive Checkout APIRecommend the optimal authentication path at checkout — friction-free, CVV, 3DS, or PSD2 exemption — to max...64.0Bank of London PSD2 / Open Banking UK APIThe dedicated PSD2 Third Party Provider (TPP) interface for The Bank of London, implementing the UK Open Ba...59.7iBanFirst PSD2 XS2A APIPSD2 access-to-account API for registered third-party providers, covering account information services (AIS...59.6Mastercard Open Banking SolutionsMastercard Open Banking in Europe provides a set of APIs that enables both licensed and unlicensed Third Pa...57.3Northmill Bank Open Banking API for TPPsNorthmill Bank's PSD2 third-party-provider interface, covering Account Information Services (AIS) and Confi...55.0
Developing 4 Usable, with meaningful gaps to close
Worldline Open Banking APIConnectivity to more than 3,500 European banks in 21 countries supporting PSD2 open banking. Provides payme...54.0Axway Open BankingAxway Open Banking provides prebuilt APIs for regulatory compliance and ecosystem engagement, supporting PS...53.3Ivy API (Open Banking)The 2023-01-01 Ivy API for Open Banking pay-ins and Manual Bank Transfer. Checkout sessions, orders, custom...46.2Connexis Cash Strong Customer Authentication (SCA)A documented Strong Customer Authentication flow that BNP Paribas provides for Connexis Cash to satisfy PSD...41.7
Thin 16 Limited public surface area
Yapily Consents and Authorisations APICreate, retrieve, revoke, and re-authorise PSD2 consents for AIS and PIS interactions across UK Open Bankin...39.2Yapily Payments API (PIS)Payment Initiation Service Provider (PISP) endpoints for initiating single, scheduled, periodic, bulk, and ...39.2Konsentus Certificate Chain Service APIManaged service that maintains the up-to-date eIDAS certificate trust chain required to secure PSD2 Open Ba...38.5Insurely Open Finance APICreate end users, capture consent, run data collections (including PSD2 banking data), and retrieve structu...35.4Handelsbanken UK PSD2 Account Information APIThe Great Britain market Account Information Service (AIS) API - retrieve account details, balances, and tr...34.9Handelsbanken UK PSD2 Card Account Information APIThe Great Britain market Card Account Information (AIS) API - retrieve card account details, balances, and ...34.9Handelsbanken UK PSD2 Confirmation of Funds APIThe Great Britain market Confirmation of Funds (CBPII / PIISP) API - check whether a specified amount is av...34.9Handelsbanken UK PSD2 Payment Initiation APIThe Great Britain market Payment Initiation Service (PIS) API - initiate and manage payments from consentin...34.9Handelsbanken UK PSD2 Third-Parties APITPP enrolment API - register as a third-party provider and attach a PSD2 eIDAS (QWAC) or UK Open Banking (O...34.9Western Union Open Banking APIWestern Union's PSD2-compliant Open Banking API enables Payment Service Providers to access account informa...34.3Verifone 3D Secure APISCA-compliant cardholder authentication with frictionless and challenge flows. The 3D Secure API provides S...33.8OBIE Account & Transaction Information API (AIS - Standard, Out of Scope)The OBIE Read/Write Account and Transaction Information (AISP) standard for reading account, balance and tr...33.7OBIE Confirmation of Funds API (CBPII - Standard, Out of Scope)The OBIE Read/Write Confirmation of Funds (CBPII) standard for confirming whether funds are available on a ...33.7OBIE Payment Initiation API (PIS - Standard, Out of Scope)The OBIE Read/Write Payment Initiation (PISP) standard for initiating domestic, scheduled, standing-order, ...33.7BBVA Accounts PSD2 APIPSD2-compliant account information service (AIS) API for Spain. Allows authorized third parties to access c...29.4BBVA Payments PSD2 APIPSD2-compliant payment initiation service (PIS) API for Spain. Allows authorized third parties to initiate ...29.4
Emerging 10 Early or largely undocumented
Salt Edge Account Information APIREST API for retrieving end-user accounts, transactions, balances, and identity across 5,000+ banks worldwide.26.1Salt Edge Payment Initiation APIInitiate single, recurring, and bulk SEPA / domestic payments via PSD2 PISP.26.1Klarna Kosma Auth APIThe Auth API is the client-session companion to the XS2A API. Whenever the Open Banking flow requires consu...25.0Klarna Kosma Consent APIThe Consent API exposes the PSD2 consent lifecycle so TPPs can list, inspect, refresh, and revoke the conse...25.0Klarna Kosma Payments APIKosma Payments is the white-labeled PSD2 Payment Initiation Service (PIS) product. It lets merchants and pl...25.0Klarna Kosma XS2A APIThe XS2A API is the server-side endpoint set used by TPPs and merchants to create and control Open Banking ...25.0Payoneer PSD2 APIPSD2-compliant banking APIs for European financial services integration, available via the Payoneer PSD2 de...23.7American Express Account and Transaction APIThe American Express Account and Transaction API is an open-banking service that enables regulated third-pa...20.3American Express Confirmation of Funds PSD2 APIThe American Express Confirmation of Funds PSD2 API is a secure and efficient service that enables regulate...20.3Payment Initiation (PSD2) APIPSD2-compliant Payment Initiation Service (PIS) API allowing licensed Third Party Providers (TPPs) to initi...19.5
Minimal 8 Almost no public developer surface
UBS PSD2 APIUBS's EU PSD2-compliant open banking API set covering Account Information Services (AIS), Payment Initiatio...10.9BNP Paribas Open Banking APIBNP Paribas Open Banking APIs provide PSD2-compliant payment services and account information access includ...9.8HSBC Developer Portal APIsThe HSBC Developer Portal exposes a catalogue of APIs covering Open Banking (UK/EU PSD2 Account Information...8.3Rabobank Account Information API (PSD2 AIS)PSD2-compliant Account Information Service. Returns account lists, balances, and transaction history for Ra...6.6Rabobank Funds Confirmation API (PSD2 PIIS / CBPII)PSD2-compliant Funds Confirmation Service. Card-issuer payment service providers (CBPIIs) can confirm wheth...6.6Rabobank Payment Initiation API (PSD2 PIS)PSD2-compliant Payment Initiation Service. Allows licensed PISPs to initiate SEPA Credit Transfers, SEPA In...6.6ING Developer Portal APIsThe ING Developer Portal provides a marketplace of APIs covering Open Banking (PSD2 Account Information and...5.7kevin. platform APIPSD2 open-banking platform API: Authentication, General, Payment Initiation (PIS) and Account Information (...0.0

Companies reaching this through an API (11)

These companies publish an API, specification or operation carrying “PSD2” but do not classify their business under it. Listed unranked and kept out of the count above, because one tagged operation is not a statement about what a company does.

American Express Augustus Axway BNP Paribas Mastercard Northmill Payoneer The Western Union Company UBS Verifone Worldline

Score breakdown

Frequency
52.8
log-scaled weighted occurrences
Breadth
1.1
spread across providers
Quality lift
39.8
mean composite of providers using it
Cohesion
0.0
strength of nearest seed neighbor

Where this tag sits

Open Banking broader OBIE 40 providers Strong Customer Authentication 2 providers

Related tags

Account Information 61 co-occurrences OBIE 40 co-occurrences Payment Initiation 34 co-occurrences

Where this tag comes from

Provider tag82
Api tag44

Markets provisional

Kin Score markets whose measured providers carry this tag. Share is the fraction of the market's measured providers that carry it — it describes the market, not this tag.

MarketShare of the market's providers
EU/EEA Payment and E-Money Institutions (PSD2 passports)43%
Spanish CNMV and Banco de Espana Registers (investment firms, fund managers, crowdfunding, payment institutions)43%
Open Banking33%
Hong Kong SFC and HKMA Licensed Firms31%
Nordic Financial Registers (Swedish and Norwegian licence registers)23%

Cohort brief

Auto-generated

The 82 providers in the APIs.io catalog tagged PSD2, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
82
all scored
Mean Kin Score
39.8
+15.7 vs catalog 24.1
Mean Agent Readiness
29.5
+15.4 vs catalog 14.1
Spread
0–73.1
median 39.6 · σ 15.2
How the 82 split by band
Exemplar 4Strong 9Developing 29Thin 28Emerging 6Minimal 6
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Contract Quality 43.4 18.6 +24.8 82
Developer Ergonomics 45.8 24.5 +21.3 82
Contract Governance 21.5 9.7 +11.8 82
Discoverability 70.3 59.1 +11.2 82
Operational Transparency 18.7 13.2 +5.5 82
Access Clarity 32.4 30 +2.4 82

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 7% 18% -11
MCP server (first-party) 6% 16% -10
Agent Skills 0% 0% 0
OAuth scopes 59% 13% +46
Security 100% 99% +1
Arazzo workflows 5% 1% +4
Governance rules 85% 36% +49

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 Klarna 73.1
  2. 2 Memo Bank 69.5
  3. 3 Token.io 67.9
  4. 4 Wealth Reader 67.3
  5. 5 Genome 64.7
  6. 6 Riskified 64
  7. 7 Tink 63.1
  8. 8 Groupe BPCE 61.5
  9. 9 The Bank of London 59.7
  10. 10 iBanFirst 59.6
Top by Agent Readiness
  1. 1 Memo Bank 62.3
  2. 2 iBanFirst 55.5
  3. 3 Token.io 52.6
  4. 4 Deutsche Bank 48.4
  5. 5 Riskified 47.8
  6. 6 Allica Bank 47
  7. 7 Klarna 46
  8. 8 Barclays 45.7
  9. 9 Yorkshire Building Society 43.1
  10. 10 Bank of Ireland (UK) 42.7
All 82 members of this roster resolve to a scored provider in the catalog.
Coverage caveat. 62 of 82 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.Generated from the catalog build of 14 November 2026, across 41591 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

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Tools for tags

7 MCP tools reach this
  • find_tagsBrowse and filter every tag in the catalog.
  • get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
  • cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
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