Consent and SCA
Guide users through consent, authentication, expiry, and reauthorization states.
OPEN BANKING
Launch account access and pay-by-bank on certified rails
Firisbe Open Banking gives licensed teams a BKM-certified AISP and PISP layer for consent, payment initiation, account data, callbacks, bank health, and compliance evidence.
API SURFACE
Three control points for regulated open banking
Open banking is not only a bank redirect. It needs consent control, bank connectivity, and reliable post-payment operations.
Bank connectivity
Normalize bank status, response patterns, and handoff visibility across the supported network.
Payment initiation
Start account-to-account payments and reconcile status callbacks against your order or ledger.
Evidence and audit
Keep consent exports, status logs, and operating evidence ready for compliance review.
API SURFACE
Three control points for regulated open banking
Open banking is not only a bank redirect. It needs consent control, bank connectivity, and reliable post-payment operations.
Consent and SCA
Guide users through consent, authentication, expiry, and reauthorization states.
Bank connectivity
Normalize bank status, response patterns, and handoff visibility across the supported network.
Payment initiation
Start account-to-account payments and reconcile status callbacks against your order or ledger.
Evidence and audit
Keep consent exports, status logs, and operating evidence ready for compliance review.
REGULATED FLOW
Consent, initiation, and callbacks in one model
The integration should make user consent, bank handoff, payment status, and compliance evidence observable after the redirect is over.
- BKM-certified open banking connectivity
- AISP and PISP flows aligned with Law No. 6493 scope
- Hosted consent and SCA state tracking
- Signed callbacks for payment, account, and failure states
- Bank health, latency, and degraded-flow visibility
INTEGRATION SIGNALS
Plan the pilot around consent and callback reliability
A credible open banking launch proves consent, bank handoff, callback reconciliation, and failure handling before scale.
Service typesAISP and PISP
Certified railBKM-aligned operating path
Law referenceTurkish payment services framework
Gateway modelOne normalized integration boundary
LAUNCH PATH
From consent design to first settled A2A payment
Open banking pilots should exercise happy paths, bank failures, user drop-off, callback mismatch, and reconciliation.
Scope the use case
Define AISP, PISP, checkout, wallet top-up, or account verification needs.
Configure consent
Set consent screens, redirect behavior, expiry, and reauthorization rules.
Open sandbox
Initiate test payments and account requests against the integration boundary.
Reconcile callbacks
Map status, errors, and signed callbacks to orders, invoices, or wallet ledger events.
Monitor live banks
Track health, degraded flows, retries, and evidence during the pilot.
DIRECT BANKS VS GATEWAY
A certified gateway keeps open banking operable
Direct bank-by-bank work can launch, but it usually pushes monitoring, evidence, and error handling into your roadmap.
Area
Firisbe Open Banking
Direct bank build
Connectivity
BKM-certified gateway layer
Separate bank paths
Consent
Consistent consent and SCA model
Bank-specific behavior in app code
Callbacks
Signed and normalized events
Different status models per bank
Monitoring
Bank health visible
Manual incident discovery
Compliance
Evidence package available
Assemble per integration
Time to pilot
One integration boundary
Parallel bank projects
Connectivity
Firisbe Open Banking
BKM-certified gateway layer
Direct bank build
Separate bank paths
Consent
Firisbe Open Banking
Consistent consent and SCA model
Direct bank build
Bank-specific behavior in app code
Callbacks
Firisbe Open Banking
Signed and normalized events
Direct bank build
Different status models per bank
Monitoring
Firisbe Open Banking
Bank health visible
Direct bank build
Manual incident discovery
Compliance
Firisbe Open Banking
Evidence package available
Direct bank build
Assemble per integration
Time to pilot
Firisbe Open Banking
One integration boundary
Direct bank build
Parallel bank projects
USE CASES
Where open banking creates leverage
Use the rail when account data or account-to-account payments improve cost, approval, or user experience.
Pay-by-bank checkout
Offer A2A payment as a card alternative in ecommerce and wallet flows.
Wallet top-up
Move money from bank account to wallet with consent and status tracking.
Account verification
Use account information services to verify ownership or financial context.
Invoice collection
Initiate payment against invoice or bill flows with callback reconciliation.
Financial insights
Use normalized account data where consent and regulation allow.
Compliance review
Keep consent and event evidence accessible to risk and audit teams.
FAQ
Open Banking questions before pilot
Short answers for regulated product, engineering, and compliance teams.
SCOPE OPEN BANKING
Bring one consent flow. Leave with the integration boundary.
A Firisbe payments engineer will map service type, bank handoff, callback model, compliance evidence, and pilot route.