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Fizen
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Dokumentacja Fizen API

Wszystko, czego potrzebujesz, żeby czytać dane z rachunków i inicjować płatności przez Fizen: jak się uwierzytelnić, jak użytkownik daje zgodę, co wysyłamy na Twoje callbacki i każdy endpoint z przykładem.

OpenAPI (JSON)Markdown dla LLM

Zaimportowane z docs.fizen.com 2026-10-28

Szybki start

Od kluczy do sandboxa do pierwszych transakcji w czterech krokach.

  1. Krok 01

    Weź klucze do sandboxa

    Napisz na [email protected]. Dostaniesz apiKey i token do sandboxa api.sandbox.fizen.com, gdzie adres IP nie jest sprawdzany.

  2. Krok 02

    Poproś użytkownika o zgodę

    Wywołaj Start Linking Process dla banku użytkownika i przekieruj go na zwrócony adres banku. Po zatwierdzeniu w banku użytkownik wraca na Twój redirectUri, a Fizen wysyła na callback AIS state i listę rachunków.

  3. Krok 03

    Czytaj dane

    Ze state i accountId pobierz Account Details (salda, właściciel) i Account Transactions. Zgoda (state) na dane z rachunku żyje 200 dni.

  4. Krok 04

    Przejdź na produkcję

    Podaj nam publiczny adres IP serwera i trzy adresy callbacków (AIS, PIS, błędy). Dostaniesz klucze produkcyjne do api.app.fizen.com.

Środowiska

  • Sandbox

    Adres
    https://api.sandbox.fizen.com
    Dostęp
    apiKey i token, adres IP nie jest sprawdzany
    Warto wiedzieć
    Banki: fizenbank (nasz bank testowy), ING, Alior, mBank. Działa od 8:00 do 18:00 UTC; poza tymi godzinami pierwsze wywołanie budzi je w 2 do 5 minut.

  • Produkcja

    Adres
    https://api.app.fizen.com
    Dostęp
    apiKey i token, tylko z zarejestrowanego adresu IP
    Warto wiedzieć
    Klucze po przesłaniu adresu IP serwera na [email protected].

Dane logowania do sandboxów banków

Uwierzytelnianie

Każde żądanie ma dwa nagłówki z wartościami od Fizen: apiKey i token. Na produkcji żądanie musi też przyjść z jednego publicznego adresu IP, który zarejestrowałeś. Klucze trzymaj na serwerze: nigdy w przeglądarce ani w aplikacji mobilnej.

curl 'https://api.sandbox.fizen.com/banks/list' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'operationType: AIS'

Callbacki

Gdy użytkownik skończy w banku, Fizen wysyła POST z JSON na podany przez Ciebie adres. Skonfiguruj trzy: dla danych z rachunków (AIS), dla płatności (PIS) i dla błędów (wspólny).

Dane z rachunków (AIS)

Dane z rachunków (AIS)
PoleZnaczenie
stateIdentyfikator zgody: używasz go w każdym kolejnym wywołaniu dla tego użytkownika i banku.
userIdTwój identyfikator użytkownika, taki jak podany przy starcie.
bankIdBank wybrany przez użytkownika.
accounts[].accountIdRachunki, które użytkownik udostępnił.
consentExpirationDateTimeKiedy zgoda się kończy; potem nie da się już czytać danych.

Płatności (PIS)

Płatności (PIS)
PoleZnaczenie
stateIdentyfikator płatności: z nim pytasz o jej status.
userIdTwój identyfikator użytkownika.
bankIdBank płatnika.
paymentStatusStatus płatności, zobacz Statusy płatności niżej.
amountKwota, liczba dziesiętna, np. 0.01.
executionDateOpcjonalnie: data wykonania płatności zaplanowanej, RRRR-MM-DD.

Błędy (AIS i PIS)

Błędy (AIS i PIS)
PoleZnaczenie
errorIdUnikalny identyfikator błędu: podaj go wsparciu Fizen.
errorDetailsCo poszło nie tak.
bankIdBank, którego dotyczy żądanie.
stateZgoda lub płatność, której dotyczy błąd.
userIdTwój identyfikator użytkownika.
bankResponseCodeOpcjonalnie: kod banku, jeśli włączony dla Twojego konta.
bankResponseMessageOpcjonalnie: komunikat banku, jeśli włączony dla Twojego konta.

Callbacki przychodzą tylko z tych adresów, więc resztę możesz odfiltrować:

  • Sandbox

    Adresy IP Fizen
    34.118.93.200

  • Produkcja

    Adresy IP Fizen
    34.116.211.162, 34.118.70.53

Statusy płatności

Te same wartości przychodzą w callbacku PIS i z endpointów statusu płatności. Banki mogą je zgłaszać w różnych momentach.

Statusy płatności
StatusZnaczenie
SUBMITTEDZatwierdzona i przekazana do banku, czeka na wykonanie.
SCHEDULEDZaplanowana na późniejszą datę.
PENDINGCzeka na weryfikację lub zatwierdzenie.
IN_PROGRESSPłatność cykliczna realizowana według harmonogramu albo paczka z co najmniej jednym przelewem na przyszłą datę (Fizen API).
RECURRING_PLANNEDPłatność cykliczna ustawiona i realizowana według harmonogramu (Fizen Pay).
CANCELEDAnulowana przez użytkownika lub system przed wykonaniem.
REJECTEDOdrzucona, nie zostanie wykonana.
DONEWykonana i zaksięgowana na rachunku odbiorcy.

Jak długo żyje state

Każda zgoda i każda płatność ma swój state. Po tym czasie nie da się go już użyć.

  • Dane z rachunków (AIS)

    Czas życia state
    200 dni

  • Płatność krajowa i ekspresowa

    Czas życia state
    30 dni

  • Płatność z datą przyszłą

    Czas życia state
    data wykonania + 30 dni

  • Anulowanie płatności

    Czas życia state
    30 dni

  • Płatność cykliczna

    Czas życia state
    data końca + 30 dni

  • Paczka płatności

    Czas życia state
    najpóźniejsza data wykonania + 30 dni

Błędy

Błąd wraca jako JSON z kodem HTTP. Zachowaj errorId: po nim wsparcie Fizen znajdzie żądanie.

Błędy
Kod HTTPKiedy
400Niepoprawne żądanie: brak nagłówka albo zła wartość (errorMessage mówi, która).
401Brak lub zły apiKey albo token, albo wywołanie produkcyjne z niezarejestrowanego adresu IP.
404Nieznany state albo state, który nie należy do tego banku.
430Bank zwrócił błąd. Opcjonalne bankResponseCode i bankResponseMessage mówią więcej, jeśli są włączone.
500Błąd po stronie Fizen. Spróbuj później; jeśli się powtarza, napisz do nas z errorId.

Fizen Widget

Zamiast budować wybór banku samodzielnie, osadź Fizen Widget jako iframe: przeprowadzi użytkownika przez wybór banku i zgodę. Login i hasło do bankowości nigdy nie przechodzą przez Twój serwer.

Zobacz demo widgetu

Banki

Rachunki osobiste, firmowe i korporacyjne w głównych bankach komercyjnych w Polsce, Czechach, na Słowacji, Węgrzech i w Rumunii. Który bank działa w której usłudze: Lista banków i ich status

Licencje

Fizen Sp. z o.o. świadczy usługę dostępu do informacji o rachunku (AIS) jako dostawca wpisany do rejestru KNF (AISP13/2022). Inicjowanie płatności (PIS) działa na technologii Fizen z Twoją licencją PISP i certyfikatami produkcyjnymi albo przez naszego partnera Meest Transfer Sp. z o.o. (KNF, AKPP/27/2024).

Wszystkie endpointy Fizen API, pogrupowane jak na docs.fizen.com. Opisy i nazwy pól są po angielsku. Każdy endpoint wymaga nagłówków apiKey i token (nie powtarzamy ich niżej).

Fizen Pay: bramka płatności

Jak działa Fizen Pay

FizenPay is a payment page hosted by Fizen where users complete all the steps of the payment process: selecting the customer's bank, initializing the payment process, and redirecting to the bank service to allow the user to complete the payment. Payment is initiated through a dedicated endpoint, through this endpoint payment parameters are provided.

Przebieg płatności

The payment process begins with the generation of a payment link. The user clicks on the link and is redirected to a panel to select the bank from which they want to make the payment. Image: Image Alt Text

Once the payment is approved at the bank, the user is redirected to a screen with the status of the payment. Finally on the page we are expected to see a green status, which means that the payment was successful. Red x at the end means that payment failed. Once the final status is received, it also sends feedback to the addresses provided earlier.

Tworzenie transakcji

To start working with the payment gateway it is necessary to generate the access keys for this purpose contact us. In the next step, it is necessary to create a transaction by calling the API endpoint.

POST/fizenPay/createTransaction

Generate Domestic Transaction

This endpoint allows to init payment process via Fizen Pay service. Initiating the payment process, it is necessary to provide some key information about the payment as well as information for subsequent payment processing like userId, callback address. You must also specify recipient data like recipientName, recipientAddress, recipientAccountNumber.

Only one expiration parameter can be used: either days or minutes. Providing both at the same time is not allowed.

For corporate accounts, certain banks require additional information.

Corporate Bank Accounts:

  • For Paribas and Credit Agricole corporate accounts, the parameter nip is required. This represents the company's tax identification number (NIP).
Treść żądania
Generate Domestic Transaction: Treść żądania
PoleTypOpis
transferTitlewymaganystringA unique identifier or reference for the transfer, such as an order number.
amountwymaganystringThe amount to be transferred, formatted as a string (e.g., "420.69").
userIdwymaganystringThe unique identifier associated with the user initiating the transfer (e.g., "USER_69420").
callbackSuccesswymaganystringThe callback URL for a successful transaction.
callbackFailurewymaganystringThe callback URL for a failed transaction.
recipientNameopcjonalnystringThe name of the recipient.
recipientAddressopcjonalnystringThe address of the recipient.
recipientAccountNumberopcjonalnystringThe account number of the recipient.
nipopcjonalnystring**Required for corporate accounts at Paribas and Credit Agricole.** The company's tax identification number (NIP).
linkExpirationDaysopcjonalnyintegerThe number of days the link remains valid, after which the link expires.
linkExpirationMinutesopcjonalnyintegerThe number of minutes the link remains valid, after which the link expires.
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 401Not Found
  • 500Internal Server Error
curl -X POST 'https://api.sandbox.fizen.com/fizenPay/createTransaction' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'Content-Type: application/json' \  -d '{  "transferTitle": "",  "amount": "",  "userId": "",  "callbackSuccess": "",  "callbackFailure": "",  "recipientName": "",  "recipientAddress": "",  "recipientAccountNumber": "",  "nip": "1234567890",  "linkExpirationDays": 3,  "linkExpirationMinutes": 25}'
POST/fizenPay/createRecurring

Generate Recurring Transaction

This endpoint allows to init recurring payment process via Fizen Pay service. Initiating the recurring payment process, it is necessary to provide some key information about the payment as well as information for subsequent payment processing like userId, callback address, You must also specify recipient data like recipientName, recipientAddress, recipientAccountNumber.

Only one expiration parameter can be used: either days or minutes. Providing both at the same time is not allowed.

For corporate accounts, certain banks require additional information.

Corporate Bank Accounts:

  • For Paribas and Credit Agricole corporate accounts, the parameter nip is required. This represents the company's tax identification number (NIP).
Treść żądania
Generate Recurring Transaction: Treść żądania
PoleTypOpis
transferTitlewymaganystringA unique identifier or reference for the transfer, such as an order number.
amountwymaganystringThe amount to be transferred, formatted as a string (e.g., "42.59").
periodwymaganyenumThe payment frequency, formatted as an enum ("DAY", "YEAR","MONTH", "WEEK"). **mBank, Pekao, Paribas** are not available for DAY frequencies.Wartości: DAY, YEAR, MONTH, WEEK
startDatewymaganystringA date the recurring payment start, formatted as a string (e.g., "2024-10-10").
endDatewymaganystringA date the recurring payment end, formatted as a string (e.g., "2025-10-10").
userIdwymaganystringThe unique identifier associated with the user initiating the transfer (e.g., "USER_69420").
callbackSuccesswymaganystringThe callback URL for a successful transaction.
callbackFailurewymaganystringThe callback URL for a failed transaction.
recipientNameopcjonalnystringThe name of the recipient.
recipientAddressopcjonalnystringThe address of the recipient.
recipientAccountNumberopcjonalnystringThe account number of the recipient.
linkExpirationDaysopcjonalnyintegerThe number of days the link remains valid, after which the link expires.
linkExpirationMinutesopcjonalnyintegerThe number of minutes the link remains valid, after which the link expires.
nipopcjonalnystring**Required for corporate accounts at Paribas and Credit Agricole.** The company's tax identification number (NIP).
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 401Unauthorized
  • 500Internal Server Error
curl -X POST 'https://api.sandbox.fizen.com/fizenPay/createRecurring' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'Content-Type: application/json' \  -d '{  "transferTitle": "",  "amount": "",  "period": "DAY",  "startDate": "",  "endDate": "",  "userId": "",  "callbackSuccess": "",  "callbackFailure": "",  "recipientName": "",  "recipientAddress": "",  "recipientAccountNumber": "",  "linkExpirationDays": 3,  "linkExpirationMinutes": 25,  "nip": "1234567890"}'
POST/fizenPay/createExpress

Generate Express Domestic Transaction

This endpoint allows to init express payment process via Fizen Pay service. Initiating the payment process, it is necessary to provide some key information about the payment as well as information for subsequent payment processing like userId, callback address. You must also specify recipient data like recipientName, recipientAddress, recipientAccountNumber.

Only one expiration parameter can be used: either days or minutes. Providing both at the same time is not allowed.

Treść żądania
Generate Express Domestic Transaction: Treść żądania
PoleTypOpis
transferTitlewymaganystringA unique identifier or reference for the transfer, such as an order number.
amountwymaganystringThe amount to be transferred, formatted as a string (e.g., "420.69").
userIdwymaganystringThe unique identifier associated with the user initiating the transfer (e.g., "USER_69420").
callbackSuccesswymaganystringThe callback URL for a successful transaction.
callbackFailurewymaganystringThe callback URL for a failed transaction.
recipientNameopcjonalnystringThe name of the recipient.
recipientAddressopcjonalnystringThe address of the recipient.
recipientAccountNumberopcjonalnystringThe account number of the recipient.
linkExpirationDaysopcjonalnyintegerThe number of days the link remains valid, after which the link expires.
linkExpirationMinutesopcjonalnyintegerThe number of minutes the link remains valid, after which the link expires.
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 401Not Found
  • 500Internal Server Error
curl -X POST 'https://api.sandbox.fizen.com/fizenPay/createExpress' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'Content-Type: application/json' \  -d '{  "transferTitle": "",  "amount": "",  "userId": "",  "callbackSuccess": "",  "callbackFailure": "",  "recipientName": "",  "recipientAddress": "",  "recipientAccountNumber": "",  "linkExpirationDays": 3,  "linkExpirationMinutes": 25}'
DELETE/fizenPay/invalidateTransaction/{transactionId}

Invalidate Transaction

This endpoint allows to invalidates Fizen Pay payment process. Invalidates (cancels) an existing Fizen Pay transaction identified by transactionId. For an already invalidated transaction endpoint will return success.

Parametry
Invalidate Transaction: Parametry
NazwaGdzieTypOpis
transactionIdwymaganyścieżkastringUnique identifier of the transaction to invalidate.Przykład: f86ced6e-9abd-11f0-a376-0b874019f2aa
Odpowiedzi
  • 200No Content – the transaction was invalidated and no body is returned.
  • 400Bad Request – invalid `transactionId` or missing required headers.
  • 401Unauthorized – invalid or missing `apiKey`/`token`.
  • 404Not Found – the transaction with the given `transactionId` does not exist.
  • 500Internal Server Error
curl -X DELETE 'https://api.sandbox.fizen.com/fizenPay/invalidateTransaction/[transactionId]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]'

Banki, zgody i analityka

Banks List

A list of available banks for AIS and PIS services along with redirecting to the chosen bank interface

GET/banks/list

Banks List

List of available banks to authorise a consent for Account Information Service (AIS) and Payment Initiation Services (PIS)

Parametry
Banks List: Parametry
NazwaGdzieTypOpis
operationTypewymaganynagłówekstringSpecify service to access.Przykład: AIS
Odpowiedzi
  • 200OK
  • 400Bad Request
curl -X GET 'https://api.sandbox.fizen.com/banks/list' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'operationType: [operationType]'

Consents

A list of available consents for Account Information Service (AIS), together with a complete consent management flow that allows clients to grant, verify, and revoke user consents in a transparent and controlled manner.

This part of the service provides full control over user consents, enabling clients to clearly manage which permissions have been granted.

Through dedicated endpoints, clients can:

  • retrieve the latest consent definitions configured for a given client
  • grant selected consents to a user based on a specific version
  • verify the current status of all consents assigned to a user
  • revoke previously granted consents at any time

This approach guarantees that access to user data is always aligned with explicitly granted permissions, supporting compliance with regulatory requirements and improving trust by giving clear visibility into how user consents are managed.

Additionally, the service integrates with the bank authorization flow, where the user is redirected to a bank interface to approve access. After successful authorization, the consent state is updated and can be managed via the available API operations.

GET/fizen-consents/consents

Get client consents definition

Returns the latest version of consents configured for the client.

Required consents: AIS_POLICY_ACCEPTANCE, AIS_PERSONAL_DATA_PROCESSING, AIS_DATA_TRANSFER

Optional consents: AIS_DATA_TRANSFER_TO_THIRD_PARTY

Parametry
Get client consents definition: Parametry
NazwaGdzieTypOpis
apikeywymaganynagłówekstringAPI key assigned to the client (required in practice for authorization)Przykład: 9693455a2698ff0316f14da3c30a18c97a4d0000
Odpowiedzi
  • 200Successfully returned client consents definition
  • 401Unauthorized - invalid or missing credentials
  • 500Internal Server Error - problem retrieving consents definition
curl -X GET 'https://api.sandbox.fizen.com/fizen-consents/consents' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'apikey: [apikey]'
GET/fizen-consents/consents/{userId}

Get user consents

Returns consents assigned to a specific user along with their current status.

Required consents: AIS_POLICY_ACCEPTANCE, AIS_PERSONAL_DATA_PROCESSING, AIS_DATA_TRANSFER

Optional consents: AIS_DATA_TRANSFER_TO_THIRD_PARTY

Parametry
Get user consents: Parametry
NazwaGdzieTypOpis
apikeywymaganynagłówekstringAPI key assigned to the clientPrzykład: 9693455a2698ff0316f14da3c30a18c97a4d0000
userIdwymaganyścieżkastringUnique identifier of the userPrzykład: user-123
Odpowiedzi
  • 200Successfully returned user consents
  • 401Unauthorized - authentication failed
  • 404Not Found - user does not exist
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/fizen-consents/consents/[userId]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'apikey: [apikey]'
POST/fizen-consents/consents/grant/{userId}

Grant consents to user

Assigns selected consents to a user. Updates existing ones if already present.

Required consents: AIS_POLICY_ACCEPTANCE, AIS_PERSONAL_DATA_PROCESSING, AIS_DATA_TRANSFER

Optional consents: AIS_DATA_TRANSFER_TO_THIRD_PARTY

Parametry
Grant consents to user: Parametry
NazwaGdzieTypOpis
apikeywymaganynagłówekstringAPI key assigned to the clientPrzykład: 9693455a2698ff0316f14da3c30a18c97a4d0000
userIdwymaganyścieżkastringUnique identifier of the userPrzykład: user-123
Treść żądania
Grant consents to user: Treść żądania
PoleTypOpis
consentTypeswymaganystring[]List of consent types to grant
Odpowiedzi
  • 204Consents successfully granted
  • 400Bad Request - validation error
  • 401Unauthorized
  • 404Not Found
  • 500Internal Server Error
curl -X POST 'https://api.sandbox.fizen.com/fizen-consents/consents/grant/[userId]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'apikey: [apikey]' \  -H 'Content-Type: application/json' \  -d '{  "consentTypes": [    "AIS_POLICY_ACCEPTANCE"  ]}'
POST/fizen-consents/consents/revoke/{userId}

Revoke consents from user

Revokes selected consents for a user.

Required consents: AIS_POLICY_ACCEPTANCE, AIS_PERSONAL_DATA_PROCESSING, AIS_DATA_TRANSFER

Optional consents: AIS_DATA_TRANSFER_TO_THIRD_PARTY

Parametry
Revoke consents from user: Parametry
NazwaGdzieTypOpis
apikeywymaganynagłówekstringAPI key assigned to the clientPrzykład: 9693455a2698ff0316f14da3c30a18c97a4d0000
userIdwymaganyścieżkastringUnique identifier of the userPrzykład: user-123
Treść żądania
Revoke consents from user: Treść żądania
PoleTypOpis
consentTypeswymaganystring[]List of consent types to revoke
Odpowiedzi
  • 204Consents successfully revoked
  • 400Bad Request - validation error
  • 401Unauthorized
  • 404Not Found
  • 500Internal Server Error
curl -X POST 'https://api.sandbox.fizen.com/fizen-consents/consents/revoke/[userId]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'apikey: [apikey]' \  -H 'Content-Type: application/json' \  -d '{  "consentTypes": [    "AIS_POLICY_ACCEPTANCE"  ]}'

Analytics

A set of endpoints that provides access to transaction summaries and analytical data for different payment types.

The analytics service allows clients to retrieve both detailed and aggregated transaction information for selected periods, helping them monitor activity, analyze payment execution, and support internal reporting processes.

Available endpoints allow clients to:

  • get recurring transaction summaries
  • get bundle payment summaries
  • get overall transaction summaries across all transaction types

Returned data may include transaction lists, daily statistics, SCA and non-SCA breakdowns, total number of transactions, and total transaction amounts.

This section is intended for reporting and analytical purposes only and does not participate in the transaction initiation process.

Important: To access this part of the API, you need to contact Fizen Support to enable the required additional configuration.

GET/fizen-analytics/all-transactions/summary

Get all transactions summary

Returns a summary of all transactions for the selected month or, when the optional day header is provided, for the selected day. The response includes daily SCA and non-SCA statistics. The transaction list may contain domestic, recurring, and bundle transactions, each with its own set of fields.

Parametry
Get all transactions summary: Parametry
NazwaGdzieTypOpis
yearwymaganynagłówekintegerYear for which the transaction summary should be returnedPrzykład: 2026
monthwymaganynagłówekintegerMonth for which the transaction summary should be returnedPrzykład: 4
dayopcjonalnynagłówekintegerOptional day of the month for which the transaction summary should be returned. When omitted, the summary covers the entire selected monthPrzykład: 15
client-namewymaganynagłówekstringName of the client for which we want to retrieve statisticsPrzykład: example-client
Odpowiedzi
  • 200All transactions summary returned successfully
  • 400Bad Request - validation error
  • 401Unauthorized
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/fizen-analytics/all-transactions/summary' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'year: [year]' \  -H 'month: [month]' \  -H 'client-name: [client-name]'
GET/fizen-analytics/recurring-transactions/summary

Get recurring transactions summary

Returns a summary of recurring transactions for the selected month or, when the optional day header is provided, for the selected day. The response includes daily SCA and non-SCA statistics.

Parametry
Get recurring transactions summary: Parametry
NazwaGdzieTypOpis
yearwymaganynagłówekintegerYear for which the recurring transaction summary should be returnedPrzykład: 2026
monthwymaganynagłówekintegerMonth for which the recurring transaction summary should be returnedPrzykład: 4
dayopcjonalnynagłówekintegerOptional day of the month for which the recurring transaction summary should be returned. When omitted, the summary covers the entire selected monthPrzykład: 15
client-namewymaganynagłówekstringName of the client for which we want to retrieve statisticsPrzykład: example-client
Odpowiedzi
  • 200Recurring transactions summary returned successfully
  • 400Bad Request - validation error
  • 401Unauthorized
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/fizen-analytics/recurring-transactions/summary' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'year: [year]' \  -H 'month: [month]' \  -H 'client-name: [client-name]'
GET/fizen-analytics/bundle-transactions/summary

Get bundle transactions summary

Returns a summary of bundle transactions for the selected month or, when the optional day header is provided, for the selected day. The response includes daily SCA and non-SCA statistics.

Parametry
Get bundle transactions summary: Parametry
NazwaGdzieTypOpis
yearwymaganynagłówekintegerYear for which the bundle transaction summary should be returnedPrzykład: 2026
monthwymaganynagłówekintegerMonth for which the bundle transaction summary should be returnedPrzykład: 4
dayopcjonalnynagłówekintegerOptional day of the month for which the bundle transaction summary should be returned. When omitted, the summary covers the entire selected monthPrzykład: 15
client-namewymaganynagłówekstringName of the client for which we want to retrieve statisticsPrzykład: example-client
Odpowiedzi
  • 200Bundle transactions summary returned successfully
  • 400Bad Request - validation error
  • 401Unauthorized
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/fizen-analytics/bundle-transactions/summary' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'year: [year]' \  -H 'month: [month]' \  -H 'client-name: [client-name]'
GET/fizen-analytics/all-transactions/merchants/summary

Get all transactions summary for merchants

Returns a summary of all transactions for merchants available for the provided credentials, covering the selected month or, when the optional day header is provided, the selected day. The response contains the transaction list, daily SCA and non-SCA statistics, and aggregated totals for domestic, recurring, and bundle transactions.

Parametry
Get all transactions summary for merchants: Parametry
NazwaGdzieTypOpis
apikeywymaganynagłówekstringAPI key assigned to the clientPrzykład: 1dffbeac9d959af87667676767676767ef
yearwymaganynagłówekintegerYear for which the transaction summary should be returnedPrzykład: 2026
monthwymaganynagłówekintegerMonth for which the transaction summary should be returnedPrzykład: 5
dayopcjonalnynagłówekintegerOptional day of the month for which the transaction summary should be returned. When omitted, the summary covers the entire selected monthPrzykład: 15
Odpowiedzi
  • 200All transactions summary for merchants returned successfully
  • 400Bad Request - validation error
  • 401Unauthorized
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/fizen-analytics/all-transactions/merchants/summary' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'apikey: [apikey]' \  -H 'year: [year]' \  -H 'month: [month]'
GET/fizen-analytics/all-transactions/merchants/grouped/summary

Get grouped all transactions summary for merchants

Returns an all-transactions summary grouped by merchant/client for the selected month or, when the optional day header is provided, for the selected day. Each item in the response represents one client and contains the transaction list for the selected period.

Parametry
Get grouped all transactions summary for merchants: Parametry
NazwaGdzieTypOpis
apikeywymaganynagłówekstringAPI key assigned to the clientPrzykład: 1dffbe345354wrjfnrjnjnfjnfcc3c77ef
yearwymaganynagłówekintegerYear for which grouped transaction summary should be returnedPrzykład: 2026
monthwymaganynagłówekintegerMonth for which grouped transaction summary should be returnedPrzykład: 4
dayopcjonalnynagłówekintegerOptional day of the month for which the grouped transaction summary should be returned. When omitted, the summary covers the entire selected monthPrzykład: 15
Odpowiedzi
  • 200Grouped all-transactions summary for merchants returned successfully
  • 400Bad Request - validation error
  • 401Unauthorized
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/fizen-analytics/all-transactions/merchants/grouped/summary' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'apikey: [apikey]' \  -H 'year: [year]' \  -H 'month: [month]'

Rachunki osobiste (Retail)

Account Information Service

FIZEN API for AIS, or Account Information Service, provides individuals with access to information about their payment accounts. With AIS, you can conveniently monitor the real-time status of your finances through various third-party applications. This service empowers users to gain a holistic view of their financial transactions and balances, making it easier to manage their financial affairs and make informed decisions about their money. AIS is a key component of PSD2 (Payment Services Directive 2), promoting financial transparency and enhancing the user's ability to leverage innovative financial tools and services.

GET/{bankId}/initiate/{redirectUri}

Start Linking Process

The process of gaining access to the user's account begins with the generation of redirect URL to the bank's interface, where the user can grant consent for access to their account information. After successfully completing the bank's process the user will be redirected to the specified redirect URL,and a callback with the relevant data will be sent.

State Grouping for Extended Banking Transaction Access

This feature allows grouping of consents (states) so that multiple states within the same group can share tokens, extending the time frame for fetching transactions beyond standard banking limits.

Purpose
  • Many banks impose strict time limits on transaction retrieval using a single consent (state).
  • For example, PKO BP allows only up to 4 hours, after which a new consent is required.
  • This solution will allow fetching transactions for at least 10 hours, which for PKO BP would require three separate consents for the same account.
How It Works
  • States will be grouped by the userId parameter.
  • To belong to the same group, states must have the same userId, bank, or client apiKey.
  • If a userId is not provided, the state will not be assigned to any group.
Parametry
Start Linking Process: Parametry
NazwaGdzieTypOpis
userIdopcjonalnynagłówekstringThe ID of the end user who agreed to provide access to the account information. ID generated on the client's side and passed to API FIZEN.Przykład: 432532453425
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating system.Przykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
redirectUriwymaganyścieżkastringThe address of the page to which the user will be redirected after completing the data sharing authorization processPrzykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
limitedScopewymaganynagłówekbooleanValue informs whether access to the account will be limited to basic data.Przykład: true
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'limitedScope: [limitedScope]'
GET/{bankId}/account/{accountId}

Account Details

This endpoint allows obtaining detailed information about the user's account for which they have previously granted consent, including information such as account owner, account number, account currency, available account balance, and account description. The data returned by our system depends on the information provided by each respective bank. As a result, the details of the response may vary between different banks. Users should account for potential differences in available data when integrating with our API.

Parametry
Account Details: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to retrieve the account information (AIS service)Przykład: d2b75e70-c735-13ed-9018-4510c14d98bc
accountIdwymaganyścieżkastringThe bank account ID to which the end user has consented to provide access to the account information. One of the values necessary to query information about an accountPrzykład: VmhJQ0lKSHBKcEJ4TXByNHE2U3BKMG1SU3JXYStFVXBISDdCQUhLaHJXcz0=
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/account/[accountId]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'
GET/{bankId}/account/{accountId}/transactions

Account Transactions

This endpoint enables access to the transaction history for a specific account number for which consent has been obtained previously. The data returned by our system depends on the information provided by each respective bank. As a result, the details of the response may vary between different banks. Users should account for potential differences in available data when integrating with our API.

If certain transaction types cannot be retrieved due to an issue (e.g., database timeout, temporary service unavailability), the response will still contain the successfully retrieved transactions and will also include a new field: transactionsStatusesFetchFailures, which lists the transaction types that failed to be fetched.

If all transaction types fail to be retrieved:

  • The transactions list will be empty.
  • The transactionsStatusesFetchFailures field will include all requested transaction types.

Example Scenarios:

  • Only DONE transactions fail for mBank.
  • Two transaction types fail for Pekao.
  • All transaction types fail for Erste.
Exception Handling

There is one exception to this mechanism: If the request exceeds the operation limit, the system will return an explicit error response without including the transactions list or the transactionsStatusesFetchFailures field. In this case, the client must retry the request after resolving the issue (e.g., reducing the number of transactions requested).

Parametry
Account Transactions: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to retrieve the account information (AIS service)Przykład: d2b75e70-c735-13ed-9018-4510c14d98bc
tradeDateFromopcjonalnynagłówekstringStart date from which data should be returned (inclusive). The date must be in the past (earlier than today; today's date is not allowed). Expected format is ISO 8601 date (YYYY-MM-DD).Przykład: 2026-01-01
accountIdwymaganyścieżkastringThe bank account ID to which the end user has consented to provide access to the account information. One of the values necessary to query information about an accountPrzykład: VmhJQ0lKSHBKcEJ4TXByNHE2U3BKMG1SU3JXYStFVXBISDdCQUhLaHJXcz0=
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
includeAllTransactionStatusesopcjonalnynagłówekbooleanOptional flag controlling which transaction statuses are returned in the response. By default (when the header is not provided or set to false), the API returns only transactions with the following statuses: DONE, PENDING, HOLD. Transactions with statuses REJECTED, CANCELED, and SCHEDULED are excluded. When set to true, the API returns all available transaction statuses, including REJECTED, CANCELED, and SCHEDULED (if such transactions exist for the given bank/account).Przykład: true
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/account/[accountId]/transactions' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'
GET/{bankId}/KYC/{accountId}

KYC

This service provides a transparent way to access the user's identity by leveraging the granted consent for account access. It provides a field containing crucial information, such as the user's name and address, for precise user identification.

Parametry
KYC: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to retrieve the account information (AIS service)Przykład: d2b75e70-c735-13ed-9018-4510c14d98bc
accountIdwymaganyścieżkastringThe bank account ID to which the end user has consented to provide access to the account information. One of the values necessary to query information about an accountPrzykład: VmhJQ0lKSHBKcEJ4TXByNHE2U3BKMG1SU3JXYStFVXBISDdCQUhLaHJXcz0=
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/KYC/[accountId]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

Domestic Payment

FIZEN's Domestic Payment Services are responsible for processing domestic payments.

In this context, a domestic payment refers to a financial transaction in which funds are transferred from one bank account to another within the same country or a specific geographical region, typically using the local currency. These payments serve various purposes, including bill payments, transferring money to family and friends, making purchases, and settling financial obligations within the same country or region. It's important to distinguish domestic payments from international payments, which involve the transfer of funds between bank accounts located in different countries, often requiring currency conversion and compliance with international banking regulations.

It's important to highlight that payments initiated and approved by users through their banking service cannot be canceled. This guarantees the successful delivery of payments, ensuring that once a user authorizes a transaction, it will be executed as scheduled. This assurance contributes to the reliability and trustworthiness of the domestic payment service, giving users peace of mind regarding the arrival of their funds at the intended destination.

GET/{bankId}/payment/initiate/{redirectUri}

Start Payment Process

The payment initialization endpoint serves as a crucial access point for initiating domestic payment processes. In response to this endpoint, a redirect URL is generated, directing the user to the bank's authorization page.

On the bank's page, the user has the opportunity to verify the accuracy of the payment details required for the transfer and to confirm the payment. Once the payment is approved by the user, they will be redirected to the previously defined page, and the transaction data will be transmitted via a callback.

When making a payment, you have the option to perform a split payment.

The split payment mechanism is a payment system in which the amount of VAT, which is separated from the gross amount due to the seller, is transferred to a separate bank account, called a VAT account, to which the seller has limited access.

To successfully initiate a split payment, you must provide all four parameters: spInvoiceNumber, spTaxIdentificationNumber, spTaxAmount, spDescription.

If at least one of these parameters is provided but others are missing, the split payment request will be rejected.

Split payment for retail transactions is available for specific banks because payments from sole proprietorship accounts are processed through this banking endpoint. The list of supported banks includes: mBank, BNP Paribas, NEST, Alior, Credit Agricole, Velo.

Parametry
Start Payment Process: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPrzykład: 0.99
recipientAccountNumberopcjonalnynagłówekstringRecipient Account Number in IBAN format. Value required if Recipient Account Number is not set up by Fizen config
recipientNameAddressopcjonalnynagłówekstringRecipient Name & Address. Value required if Recipient Name Address is not set up by Fizen config. To handle Polish characters, URL encoding is necessary.Przykład: Jan Kowalski ul. Zbiorcza 2 m45 90-300 Lodz
spInvoiceNumberopcjonalnynagłówekstringPayment Invoice Number (Required for split payment mechanism)Przykład: INV001/2023/24
spTaxIdentificationNumberopcjonalnynagłówekstringTax Identification Number (NIP) (Required for split payment mechanism)Przykład: 3788796687
spTaxAmountopcjonalnynagłówekstringAmount of VAT tax (Required for split payment mechanism)Przykład: 460
spDescriptionopcjonalnynagłówekstringA brief description of the payment (Required for split payment mechanism)Przykład: VAT for January services
senderAccountNumberopcjonalnynagłówekstringSender Account Number in IBAN format. Value required if Sender Account Number is not set up by Fizen config
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
titleopcjonalnynagłówekstringA transfer title generated by the client and passed to the Fizen API. The title must contain between 5 and 80 characters ([a-zA-Z0-9\\_\\-\\s\\.\\:\/]). To handle Polish characters, URL encoding is necessary.Przykład: FV/1234/22
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
redirectUriwymaganyścieżkastringThe address of the page to which the user will be redirected after completing the data sharing authorization processPrzykład: https://redirect-url.com
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/payment/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]'
GET/payment

Payment status

The "Get Payment Status" endpoint allows customers to check the status of their payments. When this endpoint is called, the system returns the current status of a specific payment, enabling users to track the progress and history of their transactions.

This functionality provides users with real-time access to the status of their payments, offering transparency and visibility into their financial transactions. However, the returned payment statuses may vary depending on the bank, and the timing of status updates can also differ based on the bank's processing schedule.

Parametry
Payment status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

Future Date Payment

FIZEN's Future Date Domestic Payment Services are responsible for processing domestic payments with a future date. This specialized service operates in a manner similar to standard domestic payments but introduces the ability to schedule payments for specific dates in the future. It allows users to proactively set up payments in advance, ensuring that financial commitments are met precisely when needed. Future date domestic payments offer a valuable solution for planning and managing financial transactions within the same country or specific geographical region, granting users greater flexibility and control over their payment schedules. It's important to emphasize that this service remains distinct from international payments, focusing solely on domestic transactions and eliminating the complexities associated with cross-border transfers and currency conversion.

It's important to emphasize that this service allows for the cancellation of scheduled payments until the transfer is executed, providing users with complete control over their finances. This feature ensures that users have the flexibility to modify or cancel future date domestic payments as needed, offering peace of mind and adaptability in managing their financial commitments.

Additionally, it's worth noting that this service also provides users with the option to lock funds in their account, in which case the cancellation of a transfer may not be possible.

GET/{bankId}/payment/future/initiate/{redirectUri}

Start Payment Process

The "Initiate Future Date Payment" endpoint serves as a crucial access point for initiating future-dated payment processes. Upon calling this endpoint, a redirect URL is generated in response, directing the user to the bank's authorization page.

On the bank's page, users have the opportunity to verify the accuracy of the payment details required for the future-dated transfer and to confirm the payment. Once the payment is approved by the user, they will be redirected to the previously defined page, and the transaction data will be transmitted via a callback.

Parametry
Start Payment Process: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPrzykład: 0.99
executionDatewymaganynagłówekstringPayment execution datePrzykład: 2025-02-10
recipientAccountNumberopcjonalnynagłówekstringRecipient Account Number in IBAN format. Value required if Recipient Account Number is not set up by Fizen config. To handle Polish characters, URL encoding is necessary.
recipientNameAddressopcjonalnynagłówekstringRecipient Name & Address. Value required if Recipient Name Address is not set up by Fizen config. To handle Polish characters, URL encoding is necessary.Przykład: Jan Kowalski ul. Zbiorcza 2 m45 90-300 Lodz
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
titleopcjonalnynagłówekstringA transfer title generated by the client and passed to the Fizen API. The title must contain between 5 and 80 characters ([a-zA-Z0-9\\_\\-\\s\\.\\:\/]).Przykład: FV/1234/22
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
redirectUriwymaganyścieżkastringThe URL to which the user will be redirected after authorization is completed.Przykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/payment/future/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]' \  -H 'executionDate: [executionDate]'
GET/payment

Future Payment Status

The "Get Future Date Payment Status" endpoint enables customers to check the status of their future-dated payments. Upon calling this endpoint, the system retrieves and returns the current status of a specific future-dated payment. The returned payment statuses may vary depending on the bank, and the timing of status updates can also differ based on the bank's processing schedule. This feature empowers users to monitor the status of their future-dated transactions in real-time.

Parametry
Future Payment Status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'
GET/{bankId}/payment/cancel/initiate/{redirectUri}

Start Cancel Payment Process

The "Cancel Future Date Payment" endpoint allows users to cancel future-dated payments. Similar to the "Cancel Recurring Payment" process, this functionality generates a redirect URL in response, directing the user to the bank's authorization page.

On the bank's page, users have the opportunity to verify the accuracy of the cancel payment request details required for the transfer cancellation and to confirm the operation. Once the cancel payment request is approved by the user, they will be seamlessly redirected to the previously defined page, and the cancellation status data will be transmitted via a callback.

Parametry
Start Cancel Payment Process: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
recipientAccountNumberopcjonalnynagłówekstringRecipient Account Number in IBAN format. Value required if Recipient Account Number is not set up by Fizen config
recipientNameAddressopcjonalnynagłówekstringRecipient Name & Address. Value required if Recipient Name Address is not set up by Fizen configPrzykład: Jan Kowalski ul. Zbiorcza 2 m45 90-300 Lodz
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
titleopcjonalnynagłówekstringA transfer title generated by the client and passed to the Fizen API. The title must contain between 5 and 80 characters ([a-zA-Z0-9\\_\\-\\s\\.\\:\/]).Przykład: FV/1234/22
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
redirectUriwymaganyścieżkastringThe URL to which the user will be redirected after authorization is completed.Przykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/payment/cancel/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

Express Payment

FIZEN's Express Domestic Payment Services are responsible for processing domestic payments with immediate delivery time. This specialized service operates similarly to standard domestic payments but with the added advantage of near-instantaneous transaction execution. Users can initiate and receive payments promptly, ensuring that funds are deposited directly into the recipient's account without delay, facilitating swift and efficient financial transactions.

GET/{bankId}/payment/express/initiate/{redirectUri}

Start payment process

The 'Express Payment Initialization' endpoint serves as a vital entry point for initiating express payment processes. Similar to the standard payment initialization endpoint, this endpoint generates a redirect URL in response, directing the user to the bank's authorization page.

On the bank's page, users have the opportunity to verify the accuracy of the payment details required for the transfer and confirm the payment swiftly. Once the user approves the payment, they will be seamlessly redirected to the previously defined page, and the transaction data will be transmitted via a callback.

Parametry
Start payment process: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPrzykład: 0.99
recipientAccountNumberopcjonalnynagłówekstringRecipient Account Number in IBAN format. Value required if Recipient Account Number is not set up by Fizen config
recipientNameAddressopcjonalnynagłówekstringRecipient Name & Address. Value required if Recipient Name Address is not set up by Fizen configPrzykład: Jan Kowalski ul. Zbiorcza 2 m45 90-300 Lodz
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
titleopcjonalnynagłówekstringA transfer title generated by the client and passed to the Fizen API. The title must contain between 5 and 80 characters ([a-zA-Z0-9\\_\\-\\s\\.\\:\/]).Przykład: FV/1234/22
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
redirectUriwymaganyścieżkastringThe address of the page to which the user will be redirected after completing the data sharing authorization processPrzykład: https://redirect-url.com
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/payment/express/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]'
GET/payment

Express Payment Status

The "Get Express Payment Status" endpoint allows customers to check the status of their express payments. Upon calling this endpoint, the system retrieves and returns the current status of a specific express payment. This feature empowers users to monitor the progress and history of their express transactions in real-time. The returned payment statuses may vary depending on the bank, and the timing of status updates can also differ based on the bank's processing schedule.

Parametry
Express Payment Status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

Recurring Payment

FIZEN's Recurring Payment Services are responsible for processing payments on a recurring basis. This specialized service functions similarly to standard payments but offers the added convenience of automated, scheduled payments that occur at regular intervals, such as monthly or weekly.

Users can set up recurring payments to meet their financial commitments without manual intervention, ensuring that payments are made consistently and on time. This feature provides users with the flexibility to establish and manage recurring financial transactions, streamlining their financial obligations. It's worth noting that, like other payments with a future execution date, recurring payments can also be canceled until the scheduled payment date, giving users full control over their recurring financial transactions and allowing for adjustments as needed.

GET/{bankId}/payment/recurring/initiate/{redirectUri}

Start Payment Process

The "Initiate Recurring Payment" endpoint streamlines the initiation of recurring payment processes. Upon calling this endpoint, a redirect URL is generated in response, directing the user to the bank's authorization page.

On the bank's page, users have the opportunity to verify the accuracy of the payment details required for the recurring transfer and to confirm the payment. Once the payment is approved by the user, they will be redirected to the previously defined page, and the transaction data will be transmitted via a callback.

Parametry
Start Payment Process: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPrzykład: 0.99
recipientAccountNumberopcjonalnynagłówekstringRecipient Account Number in IBAN format. Value required if Recipient Account Number is not set up by Fizen configPrzykład: PL12345678901234567890123456
recipientNameAddressopcjonalnynagłówekstringRecipient Name & Address. Value required if Recipient Name Address is not set up by Fizen configPrzykład: Jan Kowalski ul. Zbiorcza 2 m45 90-300 Lodz
periodwymaganynagłówekstringpayment frequencyPrzykład: WEEK
startDatewymaganynagłówekstringRecurring payment start date. The date must be in the future (later than the current date). Expected format is ISO 8601 date (YYYY-MM-DD).Przykład: 2024-02-10
endDatewymaganynagłówekstringRecurring payment end date. Expected format is ISO 8601 date (YYYY-MM-DD).Przykład: 2025-02-10
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
titleopcjonalnynagłówekstringA recurring payment title generated by the client and passed to the Fizen API. The title must contain between 5 and 80 characters ([a-zA-Z0-9\\_\\-\\s\\.\\:\/]).Przykład: FV/1234/22
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
redirectUriwymaganyścieżkastringThe URL to which the user will be redirected after authorization is completed.Przykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/payment/recurring/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]' \  -H 'period: [period]' \  -H 'startDate: [startDate]' \  -H 'endDate: [endDate]'
GET/payment/recurring

Recurring Payment Status

The "Get Recurring Payment Status" endpoint empowers users to inquire about the status of their recurring payments. Upon utilization of this endpoint, the system promptly retrieves and furnishes the current status of a specified recurring payment. The returned payment statuses may vary depending on the bank, and the timing of status updates can also differ based on the bank's processing schedule. This functionality provides users with real-time insights into the status of their recurring transactions.

Parametry
Recurring Payment Status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment/recurring' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'
GET/{bankId}/payment/recurring/cancel/initiate/{redirectUri}

Start Cancel Payment Process

The "Cancel Recurring Payment" endpoint allows users to cancel recurring payments. Upon calling this endpoint, a redirect URL is generated in response, directing the user to the bank's authorization page.

On the bank's page, users have the opportunity to verify the accuracy of the cancel payment request details required for the transfer cancellation and to confirm the operation. Once the cancel payment request is approved by the user, they will be redirected to the previously defined page, and the cancellation status data will be transmitted via a callback.

Parametry
Start Cancel Payment Process: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPrzykład: 0.99
recipientAccountNumberopcjonalnynagłówekstringRecipient Account Number in IBAN format. Value required if Recipient Account Number is not set up by Fizen configPrzykład: PL12345678901234567890123456
recipientNameAddressopcjonalnynagłówekstringRecipient Name & Address. Value required if Recipient Name Address is not set up by Fizen configPrzykład: Jan Kowalski ul. Zbiorcza 2 m45 90-300 Lodz
periodwymaganynagłówekstringpayment frequencyPrzykład: WEEK
startDatewymaganynagłówekstringRecurring payment start datePrzykład: 2024-02-10
endDatewymaganynagłówekstringRecurring payment end datePrzykład: 2025-02-10
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
titleopcjonalnynagłówekstringA recurring payment title generated by the client and passed to the Fizen API. The title must contain between 5 and 80 characters ([a-zA-Z0-9\\_\\-\\s\\.\\:\/]).Przykład: FV/1234/22
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
redirectUriwymaganyścieżkastringThe URL to which the user will be redirected after authorization is completed.Przykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/payment/recurring/cancel/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]' \  -H 'period: [period]' \  -H 'startDate: [startDate]' \  -H 'endDate: [endDate]'

Bundle Payment

FIZEN's Bundle Payment Services are responsible for processing bundled payments. This specialized service operates similarly to standard payments but offers the added convenience of grouping multiple payments into a single, comprehensive transaction. Users can combine various payments into a bundle, streamlining their financial transactions and simplifying the management of multiple financial commitments. This feature allows for more efficient and organized payment processing.

POST/{bankId}/payment/bundle/initiate/{redirectUri}

Start Payment Process

Returns a redirect url that directs to the bank’s authorization page

Parametry
Start Payment Process: Parametry
NazwaGdzieTypOpis
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
redirectUriwymaganyścieżkastringThe URL to which the user will be redirected after authorization is completed.Przykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Treść żądania
Start Payment Process: Treść żądania
PoleTypOpis
[].senderAccountNumberopcjonalnystringSender's account number used for initiating the payment.
[].senderNameAddressopcjonalnystringSender's name and address combined as a single string.
[].paymentsopcjonalnyobject[]List of payment instructions
[].payments[].amountopcjonalnystringPayment amount. Format: d+.d{2}
[].payments[].accountNumberopcjonalnystringRecipient's account
[].payments[].accountNameopcjonalnystringRecipient's name
[].payments[].accountAddressopcjonalnystringRecipient's address
[].payments[].titleopcjonalnystringTransfer title
[].payments[].currencyopcjonalnystringTransfer currency
[].payments[].executionDateopcjonalnystringDate of the execution transfer
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X POST 'https://api.sandbox.fizen.com/[bankId]/payment/bundle/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'Content-Type: application/json' \  -d '[  {    "senderAccountNumber": "PL12109010140000071219812874",    "senderNameAddress": "Jan Kowalski, ul. Polna 3, 00-001 Warszawa",    "payments": [      {        "amount": "1.00",        "accountNumber": "PL92124049371831347560745013",        "accountName": "Company 1",        "accountAddress": "Address 1",        "title": "FV VAT 21/04/2025",        "currency": "PLN",        "executionDate": "2025-09-15"      },      {        "amount": "2.50",        "accountNumber": "PL92124049371831347560745013",        "accountName": "Company 2",        "accountAddress": "Address 2",        "title": "FV VAT 20/04/2025",        "currency": "PLN",        "executionDate": "2025-10-01"      }    ]  }]'
GET/payment/bundle

Bundle Payment Status

Return Bundle payment status

Parametry
Bundle Payment Status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment/bundle' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

Sepa Payment

FIZEN's SEPA Retail Payment Service enables individual customers to seamlessly initiate and manage international payments within the Single Euro Payments Area (SEPA). This service is tailored for personal transactions, allowing individuals to transfer funds across European countries with the same ease as domestic payments.

SEPA retail payments ensure fast, secure, and standardized cross-border transfers in EUR, eliminating the complexity of traditional international wire transfers. By following SEPA standards, users can conduct international transactions as efficiently as domestic ones, ensuring compliance with European banking regulations.

Key Features:

  • SEPA Credit Transfer (SCT) for Individuals: Retail SEPA payments follow the SCT scheme, allowing personal international transfers with minimal fees.
  • Cross-Border Transactions in EUR: The transferred amount must be specified in EUR, regardless of the sender's local currency.
  • Bank-Dependent Processing Times: The completion time of SEPA retail payments depends on the recipient's bank and the standard cut-off times set by SEPA regulations.
  • Mandatory Recipient Country Code: Each SEPA transaction requires the ISO 3166-1 alpha-3 country code of the recipient’s bank to ensure accurate processing.
  • Low-Cost International Transfers: SEPA retail transactions are typically cheaper than traditional SWIFT payments, making them ideal for individuals.
  • EU-Wide Standardization: Ensures uniform rules across all SEPA member states, allowing users to make seamless transactions.

The SEPA Retail Payment Service provides a convenient, cost-effective, and reliable way for individuals to transfer money across European borders, ensuring smooth and predictable financial transactions. With transparent processing and standardized banking practices, users can confidently send funds internationally without unexpected fees or delays.

GET/{bankId}/payment/sepa/initiate/{redirectUri}

SEPA Payment Initiation

FIZEN's SEPA Retail Payment Service enables individual customers to seamlessly initiate and manage international payments within the Single Euro Payments Area (SEPA). This service is tailored for personal transactions, allowing individuals to transfer funds across European countries with the same ease as domestic payments.

The SEPA Retail Payment Service provides a convenient, cost-effective, and reliable way for individuals to transfer money across European borders, ensuring smooth and predictable financial transactions. With transparent processing and standardized banking practices, users can confidently send funds internationally without unexpected fees or delays.

Parametry
SEPA Payment Initiation: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPayment amount in EUR (format: d+.d{2})Przykład: 1000.00
currencywymaganynagłówekstringCurrency for SEPA payments (always EUR)Przykład: EUR
recipientAccountNumberwymaganynagłówekstringRecipient's IBAN (International Bank Account Number)Przykład: DE89370400440532013000
recipientNameAddresswymaganynagłówekstringRecipient's full name and addressPrzykład: John Doe, 123 Berlin Street, 10117 Berlin
recipientCountryCodewymaganynagłówekstringISO 3166-1 alpha-3 country code of the recipient’s bankPrzykład: DEU
senderAccountNumberopcjonalnynagłówekstringSender's IBAN, required if not pre-configured in FizenPrzykład: FR7630006000011234567890189
userIdopcjonalnynagłówekstringUnique user identifier, generated on the client's sidePrzykład: 432532453425
titleopcjonalnynagłówekstringTransfer title (5-80 characters). For mBank, the use of ":" is not allowedPrzykład: SEPA Payment Invoice 1234/24
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringBrowser agent identifying the end user's browser and OSPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
bankIdwymaganyścieżkastringBank identifier for authorization of SEPA paymentPrzykład: alior
redirectUriwymaganyścieżkastringRedirect URL where the user will be sent after authorizationPrzykład: https://redirect-url.com
Odpowiedzi
  • 200OK - SEPA Payment Initiated Successfully
  • 400Bad Request - Invalid Input
  • 404Not Found - Invalid Endpoint or Missing Data
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]/payment/sepa/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]' \  -H 'currency: [currency]' \  -H 'recipientAccountNumber: [recipientAccountNumber]' \  -H 'recipientNameAddress: [recipientNameAddress]' \  -H 'recipientCountryCode: [recipientCountryCode]'
GET/payment

SEPA Payment Status

The "Get SEPA Payment Status" endpoint allows business account holders to seamlessly check the status of their SEPA payments within the Single Euro Payments Area (SEPA). When this endpoint is invoked, the system promptly returns the current status of a specific SEPA payment, enabling business users to track their international transactions efficiently.

Key Features:
  • Real-Time Tracking: Businesses receive up-to-date payment statuses, ensuring they remain informed about their transactions.
  • Cross-Border SEPA Monitoring: Unlike domestic payments, SEPA transactions involve additional processing layers and may experience variations in update frequency based on the involved banks.

The returned SEPA payment statuses may vary depending on the recipient's bank and country, and the timing of updates may differ due to international banking regulations and cut-off times.

Parametry
SEPA Payment Status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK - SEPA Payment Status Retrieved Successfully
  • 400Bad Request - Invalid Input
  • 404Not Found - Payment Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

Rachunki firmowe (Company)

Account Information Service

FIZEN API for AIS, or Account Information Service, specifically caters to businesses, providing them with seamless access to information about their corporate payment accounts. This service enables businesses to effortlessly monitor the real-time status of their finances through various third-party applications.

AIS empowers corporate users to gain a comprehensive view of their financial transactions and balances, simplifying the management of their financial affairs and facilitating well-informed decision-making about their company's funds. This heightened level of accessibility proves particularly valuable for businesses, offering streamlined monitoring of multiple accounts and supporting efficient financial planning.

It's crucial to recognize that AIS serves as a vital component of PSD2 (Payment Services Directive 2), contributing to financial transparency within the corporate sector. By embracing AIS, businesses enhance their ability to leverage cutting-edge financial tools and services, fostering innovation and competitiveness in the financial landscape.

GET/{bankId}-company/initiate/{redirectUri}

Start Linking Process

The process of gaining access to the user's account begins with the generation of redirect URL to the bank's interface, where the user can grant consent for access to their account information. After successfully completing the bank's process the user will be redirected to the specified redirect URL,and a callback with the relevant data will be sent. Endpoint dedicated for company bank accounts.

For corporate accounts, certain banks require additional information.

Corporate Bank Accounts:

  • For PKO Bank corporate accounts, the parameter psuContextIdentifierValue is required. The client must obtain this psuContextIdentifierValue from the PKO online banking platform.
  • For Paribas and Credit Agricole corporate accounts, the parameter nip is required. This represents the company's tax identification number (NIP).
State Grouping for Extended Banking Transaction Access

This feature allows grouping of consents (states) so that multiple states within the same group can share tokens, extending the time frame for fetching transactions beyond standard banking limits.

Purpose
  • Many banks impose strict time limits on transaction retrieval using a single consent (state).
  • For example, PKO BP allows only up to 4 hours, after which a new consent is required.
  • This solution will allow fetching transactions for at least 10 hours, which for PKO BP would require three separate consents for the same account.
How It Works
  • States will be grouped by the userId parameter.
  • To belong to the same group, states must have the same userId, bank, or client apiKey.
  • If a userId is not provided, the state will not be assigned to any group.
Parametry
Start Linking Process: Parametry
NazwaGdzieTypOpis
userIdopcjonalnynagłówekstringThe unique ID of the end user who agreed to provide access to the account information. ID generated on the client's side and passed to API FIZEN.Przykład: 432532453425
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating system.Przykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
redirectUriwymaganyścieżkastringThe address of the page to which the user will be redirected after completing the data sharing authorization processPrzykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
limitedScopewymaganynagłówekbooleanValue informs whether access to the account will be limited to basic data.Przykład: true
psuContextIdentifierValueopcjonalnynagłówekstring**Required for corporate accounts at PKO Bank.** The psuContextIdentifierValue must be obtained from the PKO online banking platform.Przykład: PSU-123456789
nipopcjonalnynagłówekstring**Required for corporate accounts at Paribas and Credit Agricole.** The company's tax identification number (NIP).Przykład: 1234567890
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]-company/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'limitedScope: [limitedScope]'
GET/{bankId}-company/account/{accountId}

Account Details

This endpoint allows obtaining detailed information about the user's account for which they have previously granted consent, including information such as account owner, account number, account currency, available account balance, and account description. The data returned by our system depends on the information provided by each respective bank. As a result, the details of the response may vary between different banks. Users should account for potential differences in available data when integrating with our API. Endpoint dedicated for company bank accounts. For corporate accounts, certain banks require additional information. Corporate Bank Accounts: - For PKO Bank corporate accounts, the parameter psuContextIdentifierValue is required. The client must obtain this psuContextIdentifierValue from the PKO online banking platform. - For Paribas and Credit Agricole corporate accounts, the parameter nip is required. This represents the company's tax identification number (NIP).

Parametry
Account Details: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to retrieve the account information (AIS service)Przykład: d2b75e70-c735-13ed-9018-4510c14d98bc
accountIdwymaganyścieżkastringThe bank account ID to which the end user has consented to provide access to the account information. One of the values necessary to query information about an accountPrzykład: VmhJQ0lKSHBKcEJ4TXByNHE2U3BKMG1SU3JXYStFVXBISDdCQUhLaHJXcz0=
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
psuContextIdentifierValueopcjonalnyścieżkastring**Required for corporate accounts at PKO Bank.** The psuContextIdentifierValue must be obtained from the PKO online banking platform.Przykład: PSU-123456789
nipopcjonalnynagłówekstring**Required for corporate accounts at Paribas and Credit Agricole.** The company's tax identification number (NIP).Przykład: 1234567890
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]-company/account/[accountId]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'
GET/{bankId}-company/account/{accountId}/transactions

Account Transactions

This endpoint enables access to the transaction history for a specific account number for which consent has been obtained previously. The data returned by our system depends on the information provided by each respective bank. As a result, the details of the response may vary between different banks.

If certain transaction types cannot be retrieved due to an issue (e.g., database timeout, temporary service unavailability), the response will still contain the successfully retrieved transactions and will also include a new field: transactionsStatusesFetchFailures, which lists the transaction types that failed to be fetched.

If all transaction types fail to be retrieved:

  • The transactions list will be empty.
  • The transactionsStatusesFetchFailures field will include all requested transaction types.

Example Scenarios:

  • Only DONE transactions fail for mBank.
  • Two transaction types fail for Pekao.
  • All transaction types fail for Erste.
Exception Handling

There is one exception to this mechanism: If the request exceeds the operation limit, the system will return an explicit error response without including the transactions list or the transactionsStatusesFetchFailures field. In this case, the client must retry the request after resolving the issue (e.g., reducing the number of transactions requested).

Users should account for potential differences in available data when integrating with our API. Endpoint dedicated for company bank accounts.

Parametry
Account Transactions: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to retrieve the account information (AIS service)Przykład: d2b75e70-c735-13ed-9018-4510c14d98bc
tradeDateFromopcjonalnynagłówekstringStart date from which data should be returned (inclusive). The date must be in the past (earlier than today; today's date is not allowed). Expected format is ISO 8601 date (YYYY-MM-DD).Przykład: 2026-01-01
accountIdwymaganyścieżkastringThe bank account ID to which the end user has consented to provide access to the account information. One of the values necessary to query information about an accountPrzykład: VmhJQ0lKSHBKcEJ4TXByNHE2U3BKMG1SU3JXYStFVXBISDdCQUhLaHJXcz0=
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
includeAllTransactionStatusesopcjonalnynagłówekbooleanOptional flag controlling which transaction statuses are returned in the response. By default (when the header is not provided or set to false), the API returns only transactions with the following statuses: DONE, PENDING, HOLD. Transactions with statuses REJECTED, CANCELED, and SCHEDULED are excluded. When set to true, the API returns all available transaction statuses, including REJECTED, CANCELED, and SCHEDULED (if such transactions exist for the given bank/account).Przykład: true
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 429Too Many Requests
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]-company/account/[accountId]/transactions' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'
GET/{bankId}-company/KYC/{accountId}

KYC

This service provides a transparent way to access the user's identity by leveraging the granted consent for account access. It provides a field containing crucial information, such as the user's name and address, for precise user identification. Endpoint dedicated for company bank accounts.

Parametry
KYC: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to retrieve the account information (AIS service)Przykład: d2b75e70-c735-13ed-9018-4510c14d98bc
accountIdwymaganyścieżkastringThe bank account ID to which the end user has consented to provide access to the account information. One of the values necessary to query information about an accountPrzykład: VmhJQ0lKSHBKcEJ4TXByNHE2U3BKMG1SU3JXYStFVXBISDdCQUhLaHJXcz0=
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]-company/KYC/[accountId]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

Domestic Payment

FIZEN's Domestic Payment Services play a crucial role in the seamless processing of payments within a specific country or geographical region.

In this context, a domestic payment involves the transfer of funds from one bank account to another within the same country, typically utilizing the local currency. These payments serve a myriad of business purposes, including settling invoices, facilitating business-to-business transactions, managing payroll, and handling other financial obligations within the same country or region.

In the corporate context, domestic payments play a vital role in ensuring the smooth flow of financial operations. This includes timely payment of suppliers and service providers, enabling seamless transactions between business entities, and maintaining financial stability within the local business environment.

It's crucial to recognize that domestic payments for business accounts are integral to maintaining strong financial relationships and supporting the overall financial health of the company. This functionality is especially beneficial for businesses engaged in various sectors, contributing to the efficient management of financial resources and fostering a robust financial infrastructure.

Payments initiated and approved by users through their banking service hold an irrevocable status. This means that once a user authorizes a transaction, it will be executed as scheduled, and cancellations are not permitted. This commitment ensures the successful delivery of payments, contributing to the reliability and trustworthiness of the domestic payment service. Users can have confidence that their funds will reach the intended destination securely and on time, reinforcing the dependability of the overall payment process.

GET/{bankId}-company/payment/initiate/{redirectUri}

Start Payment Process

The payment initialization endpoint is a pivotal access point for businesses looking to initiate domestic payment processes seamlessly. In response to this endpoint, a redirect URL is generated, guiding the business user to the bank's authorization page.

On the bank's authorization page, the business user gains the opportunity to meticulously verify the accuracy of the payment details necessary for the transfer and subsequently confirm the payment. Once the user approves the payment, they are redirected to the previously defined page, and the transaction data is transmitted seamlessly via a callback.

This process ensures that businesses can securely and efficiently initiate and verify domestic payments, maintaining a robust and reliable payment initiation workflow for their corporate accounts.

When making a payment, you have the option to perform a split payment.

The split payment mechanism is a payment system in which the amount of VAT, which is separated from the gross amount due to the seller, is transferred to a separate bank account, called a VAT account, to which the seller has limited access.

To successfully initiate a split payment, you must provide all four parameters: spInvoiceNumber, spTaxIdentificationNumber, spTaxAmount, spDescription.

If at least one of these parameters is provided but others are missing, the split payment request will be rejected.

For corporate accounts, certain banks require additional information.

Corporate Bank Accounts:

  • For PKO Bank corporate accounts, the parameter psuContextIdentifierValue is required. The client must obtain this psuContextIdentifierValue from the PKO online banking platform.
  • For Paribas and Credit Agricole corporate accounts, the parameter nip is required. This represents the company's tax identification number (NIP).
Parametry
Start Payment Process: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPrzykład: 0.99
recipientAccountNumberopcjonalnynagłówekstringRecipient Account Number in IBAN format. Value required if Recipient Account Number is not set up by Fizen config
recipientNameAddressopcjonalnynagłówekstringRecipient Name & Address. Value required if Recipient Name Address is not set up by Fizen config. To handle Polish characters, URL encoding is necessary.Przykład: Jan Kowalski ul. Zbiorcza 2 m45 90-300 Lodz
spInvoiceNumberopcjonalnynagłówekstringPayment Invoice Number (Required for split payment mechanism)Przykład: INV001/2023/24
spTaxIdentificationNumberopcjonalnynagłówekstringTax Identification Number (NIP) (Required for split payment mechanism)Przykład: 3788796687
spTaxAmountopcjonalnynagłówekstringAmount of VAT tax (Required for split payment mechanism)Przykład: 460
spDescriptionopcjonalnynagłówekstringA brief description of the payment (Required for split payment mechanism)Przykład: VAT for January services
senderAccountNumberopcjonalnynagłówekstringSender Account Number in IBAN format. Value required if Sender Account Number is not set up by Fizen config
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
titleopcjonalnynagłówekstringA transfer title generated by the client and passed to the Fizen API. The title must contain between 5 and 80 characters ([a-zA-Z0-9\\_\\-\\s\\.\\:\/]). To handle Polish characters, URL encoding is necessary. For mBank, the use of the ":" character in the title is not allowed.Przykład: FV/1234/22
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
redirectUriwymaganyścieżkastringThe address of the page to which the user will be redirected after completing the data sharing authorization processPrzykład: https://redirect-url.com
psuContextIdentifierValueopcjonalnynagłówekstring**Required for corporate accounts at PKO Bank.** The psuContextIdentifierValue must be obtained from the PKO online banking platform.Przykład: PSU-123456789
nipopcjonalnynagłówekstring**Required for corporate accounts at Paribas and Credit Agricole.** The company's tax identification number (NIP).Przykład: 1234567890
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]-company/payment/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]'
GET/payment

Payment status

The "Get Payment Status" endpoint empowers business account holders to seamlessly check the status of their payments. When this endpoint is invoked, the system promptly returns the current status of a specific payment, allowing business users to meticulously track the progress and history of their transactions.

This specialized functionality offers business account holders real-time access to the status of their payments, providing a level of transparency and visibility critical for managing financial transactions efficiently. By leveraging this endpoint, businesses can ensure that they stay well-informed about the payment lifecycle, facilitating effective financial monitoring and decision-making within the context of their corporate accounts.

The returned payment statuses may vary depending on the bank, and the timing of status updates can also differ based on the bank's processing schedule.

Parametry
Payment status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

Recurring Payment

FIZEN's Recurring Payment Services specialize in processing payments on a recurring basis, catering to both individual and business needs. This dedicated service operates similarly to standard payments but offers the added convenience of automated, scheduled payments that occur at regular intervals, such as monthly or weekly.

Businesses, in particular, benefit from the capability to establish recurring payments, allowing them to meet ongoing financial commitments without manual intervention. This ensures that payments are made consistently and punctually, contributing to the smooth operation of financial processes.

This feature provides users, including businesses with corporate accounts, the flexibility to set up and manage recurring financial transactions, streamlining their financial obligations efficiently. Recurring payments can be canceled until the scheduled payment date. This flexibility gives users, especially businesses, full control over their recurring financial transactions, allowing for adjustments as needed. This adaptability is crucial for businesses managing recurring expenses associated with their corporate accounts.

GET/{bankId}-company/payment/recurring/initiate/{redirectUri}

Start Payment Process

The "Initiate Recurring Payment" endpoint streamlines the initiation of recurring payment processes.Endpoint dedicated for company bank accounts. Upon calling this endpoint, a redirect URL is generated in response, directing the user to the bank's authorization page.

On the bank's page, users have the opportunity to verify the accuracy of the payment details required for the recurring transfer and to confirm the payment. Once the payment is approved by the user, they will be redirected to the previously defined page, and the transaction data will be transmitted via a callback.

For corporate accounts, certain banks require additional information.

Corporate Bank Accounts:

  • For PKO Bank corporate accounts, the parameter psuContextIdentifierValue is required. The client must obtain this psuContextIdentifierValue from the PKO online banking platform.
  • For Paribas and Credit Agricole corporate accounts, the parameter nip is required. This represents the company's tax identification number (NIP).
Parametry
Start Payment Process: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPrzykład: 0.99
recipientAccountNumberopcjonalnynagłówekstringRecipient Account Number in IBAN format. Value required if Recipient Account Number is not set up by Fizen configPrzykład: PL12345678901234567890123456
recipientNameAddressopcjonalnynagłówekstringRecipient Name & Address. Value required if Recipient Name Address is not set up by Fizen configPrzykład: Jan Kowalski ul. Zbiorcza 2 m45 90-300 Lodz
periodwymaganynagłówekstringpayment frequencyPrzykład: WEEK
startDatewymaganynagłówekstringRecurring payment start datePrzykład: 2024-02-10
endDatewymaganynagłówekstringRecurring payment end datePrzykład: 2025-02-10
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
titleopcjonalnynagłówekstringA recurring payment title generated by the client and passed to the Fizen API. The title must contain between 5 and 80 characters ([a-zA-Z0-9\\_\\-\\s\\.\\:\/]).Przykład: FV/1234/22
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
redirectUriwymaganyścieżkastringThe URL to which the user will be redirected after authorization is completed.Przykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
psuContextIdentifierValueopcjonalnynagłówekstring**Required for corporate accounts at PKO Bank.** The psuContextIdentifierValue must be obtained from the PKO online banking platform.Przykład: PSU-123456789
nipopcjonalnynagłówekstring**Required for corporate accounts at Paribas and Credit Agricole.** The company's tax identification number (NIP).Przykład: 1234567890
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]-company/payment/recurring/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]' \  -H 'period: [period]' \  -H 'startDate: [startDate]' \  -H 'endDate: [endDate]'
GET/payment/recurring

Recurring Payment Status

The "Get Recurring Payment Status" endpoint empowers business users to efficiently inquire about the status of their recurring payments. Upon utilizing this endpoint, the system promptly retrieves and furnishes the current status of a specified recurring payment, providing business users with real-time insights into the status of their recurring transactions. The returned payment statuses may vary depending on the bank, and the timing of status updates can also differ based on the bank's processing schedule. This functionality is particularly valuable for companies managing recurring financial commitments, allowing them to stay informed and in control of their ongoing transactions. The seamless access to real-time recurring payment status enhances financial transparency and supports effective decision-making within the corporate context.

Parametry
Recurring Payment Status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment/recurring' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'
GET/{bankId}-company/payment/recurring/cancel/initiate/{redirectUri}

Start Cancel Payment Process

The "Cancel Recurring Payment" endpoint allows users to cancel recurring payments. Upon calling this endpoint, a redirect URL is generated in response, directing the user to the bank's authorization page.

On the bank's page, users have the opportunity to verify the accuracy of the cancel payment request details required for the transfer cancellation and to confirm the operation. Once the cancel payment request is approved by the user, they will be redirected to the previously defined page, and the cancellation status data will be transmitted via a callback.

Parametry
Start Cancel Payment Process: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPrzykład: 0.99
recipientAccountNumberopcjonalnynagłówekstringRecipient Account Number in IBAN format. Value required if Recipient Account Number is not set up by Fizen configPrzykład: PL12345678901234567890123456
recipientNameAddressopcjonalnynagłówekstringRecipient Name & Address. Value required if Recipient Name Address is not set up by Fizen configPrzykład: Jan Kowalski ul. Zbiorcza 2 m45 90-300 Lodz
periodwymaganynagłówekstringpayment frequencyPrzykład: WEEK
startDatewymaganynagłówekstringRecurring payment start date. The date must be in the future (later than the current date). Expected format is ISO 8601 date (YYYY-MM-DD).Przykład: 2024-02-10
endDatewymaganynagłówekstringRecurring payment end date. Expected format is ISO 8601 date (YYYY-MM-DD).Przykład: 2025-02-10
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
titleopcjonalnynagłówekstringA recurring payment title generated by the client and passed to the Fizen API. The title must contain between 5 and 80 characters ([a-zA-Z0-9\\_\\-\\s\\.\\:\/]). For mBank, the use of the ":" character in the title is not allowed.Przykład: FV/1234/22
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
redirectUriwymaganyścieżkastringThe URL to which the user will be redirected after authorization is completed.Przykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]-company/payment/recurring/cancel/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]' \  -H 'period: [period]' \  -H 'startDate: [startDate]' \  -H 'endDate: [endDate]'

Bundle Payment

FIZEN's Bundle Payment Services are responsible for processing bundled payments. This specialized service operates similarly to standard payments but offers the added convenience of grouping multiple payments into a single, comprehensive transaction. Users can combine various payments into a bundle, streamlining their financial transactions and simplifying the management of multiple financial commitments. This feature allows for more efficient and organized payment processing.

POST/{bankId}-company/payment/bundle/initiate/{redirectUri}

Start Payment Process

Returns a redirect url that directs to the bank’s authorization page

Parametry
Start Payment Process: Parametry
NazwaGdzieTypOpis
userIdopcjonalnynagłówekstringThe unique identifier of the end user initiating the payment. The value is generated by the client and passed to the Fizen API.Przykład: 432532453425
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringA browser agent that identifies the end user browser and operating systemPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
nipwymaganynagłówekstringThe company's tax identification number (NIP).Przykład: 1234567890
redirectUriwymaganyścieżkastringThe URL to which the user will be redirected after authorization is completed.Przykład: https%3A%2F%2redirectUri.com
bankIdwymaganyścieżkastringBank identifier the user will authorize consent for Account Information Service (AIS) and Payment Initiation Services (PIS)Przykład: alior
Treść żądania
Start Payment Process: Treść żądania
PoleTypOpis
[].senderAccountNumberopcjonalnystringSender's account number used for initiating the payment.
[].senderNameAddressopcjonalnystringSender's name and address combined as a single string.
[].paymentsopcjonalnyobject[]List of payment instructions
[].payments[].amountopcjonalnystringPayment amount. Format: d+.d{2}
[].payments[].accountNumberopcjonalnystringRecipient's account
[].payments[].accountNameopcjonalnystringRecipient's name
[].payments[].accountAddressopcjonalnystringRecipient's address
[].payments[].titleopcjonalnystringTransfer title
[].payments[].currencyopcjonalnystringTransfer currency
[].payments[].executionDateopcjonalnystringDate of the execution transfer
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X POST 'https://api.sandbox.fizen.com/[bankId]-company/payment/bundle/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'nip: [nip]' \  -H 'Content-Type: application/json' \  -d '[  {    "senderAccountNumber": "PL12109010140000071219812874",    "senderNameAddress": "Jan Kowalski, ul. Polna 3, 00-001 Warszawa",    "payments": [      {        "amount": "1.00",        "accountNumber": "PL92124049371831347560745013",        "accountName": "Company 1",        "accountAddress": "Address 1",        "title": "FV VAT 21/04/2025",        "currency": "PLN",        "executionDate": "2025-09-15"      },      {        "amount": "2.50",        "accountNumber": "PL92124049371831347560745013",        "accountName": "Company 2",        "accountAddress": "Address 2",        "title": "FV VAT 20/04/2025",        "currency": "PLN",        "executionDate": "2025-10-01"      }    ]  }]'
GET/payment/bundle

Bundle Payment Status

Return Bundle payment status

Parametry
Bundle Payment Status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK
  • 400Bad Request
  • 404Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment/bundle' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

Sepa Payment

FIZEN's SEPA Payment Service enables business account holders to initiate and manage international payments within the Single Euro Payments Area (SEPA). This service operates similarly to domestic payments but is specifically designed for cross-border transactions in EUR, ensuring seamless processing across European financial institutions.

When this service is used, payments are processed according to SEPA standards, allowing businesses to execute international transactions as efficiently as domestic ones. This eliminates the need for traditional international wire transfers and ensures compliance with SEPA regulations.

Key Features:

  • SEPA Standardized Processing: Payments are executed using the SEPA Credit Transfer (SCT) scheme, ensuring compliance with European banking standards.
  • Cross-Border Transactions in EUR: Unlike domestic payments, SEPA transactions require the amount to be specified in EUR, regardless of the sender's local currency.
  • Bank-Dependent Processing Times: The completion time of SEPA payments depends on the recipient's bank and the standard cut-off times set by SEPA regulations.
  • Mandatory Recipient Country Code: Every SEPA transaction requires the ISO 3166-1 alpha-3 country code of the recipient’s bank, ensuring accurate routing.

The SEPA payment service provides businesses with a reliable and standardized method to process payments across European borders while maintaining real-time visibility over transaction statuses. By leveraging this service, businesses can optimize international financial operations with enhanced efficiency and transparency.

GET/{bankId}-company/payment/sepa/initiate/{redirectUri}

SEPA Payment Initiation

The "SEPA Payment Initiation" endpoint enables business account holders to seamlessly initiate SEPA payments within the Single Euro Payments Area (SEPA). This endpoint functions similarly to domestic payments but is specifically designed for cross-border transactions in EUR.

When this endpoint is invoked, the system processes the payment request and returns a confirmation of the initiation, allowing business users to track the progress of their SEPA transactions efficiently.

This functionality ensures that businesses can securely execute SEPA transactions while maintaining real-time transparency over payment processing, helping them optimize international financial operations.

For corporate accounts, certain banks require additional information.

Corporate Bank Accounts:

  • For PKO Bank corporate accounts, the parameter psuContextIdentifierValue is required. The client must obtain this psuContextIdentifierValue from the PKO online banking platform.
  • For Paribas and Credit Agricole corporate accounts, the parameter nip is required. This represents the company's tax identification number (NIP).
Parametry
SEPA Payment Initiation: Parametry
NazwaGdzieTypOpis
amountwymaganynagłówekstringPayment amount in EUR (format: d+.d{2})Przykład: 1000.00
currencywymaganynagłówekstringCurrency for SEPA payments (always EUR)Przykład: EUR
recipientAccountNumberwymaganynagłówekstringRecipient's IBAN (International Bank Account Number)Przykład: DE89370400440532013000
recipientNameAddresswymaganynagłówekstringRecipient's full name and addressPrzykład: John Doe, 123 Berlin Street, 10117 Berlin
recipientCountryCodewymaganynagłówekstringISO 3166-1 alpha-3 country code of the recipient’s bankPrzykład: DEU
senderAccountNumberopcjonalnynagłówekstringSender's IBAN, required if not pre-configured in FizenPrzykład: FR7630006000011234567890189
userIdopcjonalnynagłówekstringUnique user identifier, generated on the client's sidePrzykład: 432532453425
titleopcjonalnynagłówekstringTransfer title (5-80 characters). For mBank, the use of ":" is not allowedPrzykład: SEPA Payment Invoice 1234/24
ipopcjonalnynagłówekstringEnd user IP addressPrzykład: 10.10.54.1
agentopcjonalnynagłówekstringBrowser agent identifying the end user's browser and OSPrzykład: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/72.0.3626.96 Safari/537.36
bankIdwymaganyścieżkastringBank identifier for authorization of SEPA paymentPrzykład: alior
redirectUriwymaganyścieżkastringRedirect URL where the user will be sent after authorizationPrzykład: https://redirect-url.com
psuContextIdentifierValueopcjonalnynagłówekstring**Required for corporate accounts at PKO Bank.** The psuContextIdentifierValue must be obtained from the PKO online banking platform.Przykład: PSU-123456789
nipopcjonalnynagłówekstring**Required for corporate accounts at Paribas and Credit Agricole.** The company's tax identification number (NIP).Przykład: 1234567890
Odpowiedzi
  • 200OK - SEPA Payment Initiated Successfully
  • 400Bad Request - Invalid Input
  • 404Not Found - Invalid Endpoint or Missing Data
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/[bankId]-company/payment/sepa/initiate/[redirectUri]' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'amount: [amount]' \  -H 'currency: [currency]' \  -H 'recipientAccountNumber: [recipientAccountNumber]' \  -H 'recipientNameAddress: [recipientNameAddress]' \  -H 'recipientCountryCode: [recipientCountryCode]'
GET/payment

SEPA Payment Status

The "Get SEPA Payment Status" endpoint allows business account holders to seamlessly check the status of their SEPA payments within the Single Euro Payments Area (SEPA). When this endpoint is invoked, the system promptly returns the current status of a specific SEPA payment, enabling business users to track their international transactions efficiently.

Key Features:
  • Real-Time Tracking: Businesses receive up-to-date payment statuses, ensuring they remain informed about their transactions.
  • Cross-Border SEPA Monitoring: Unlike domestic payments, SEPA transactions involve additional processing layers and may experience variations in update frequency based on the involved banks.

The returned SEPA payment statuses may vary depending on the recipient's bank and country, and the timing of updates may differ due to international banking regulations and cut-off times.

Parametry
SEPA Payment Status: Parametry
NazwaGdzieTypOpis
statewymaganynagłówekstringThe value generated when starting the linking process for the particular bank interface to authorize consent to initiate paymentPrzykład: ODY5MzQ4NWMyNjk4ZmYwMzE2ZjE0ZGEzYzMwYTE4Yzk3YTRkMDY4MV80M2E3
Odpowiedzi
  • 200OK - SEPA Payment Status Retrieved Successfully
  • 400Bad Request - Invalid Input
  • 404Not Found - Payment Not Found
  • 430Request Failed
  • 500Internal Server Error
curl -X GET 'https://api.sandbox.fizen.com/payment' \  -H 'apiKey: [apiKey]' \  -H 'token: [token]' \  -H 'state: [state]'

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