aid: kontomatik
url: https://raw.githubusercontent.com/api-evangelist/kontomatik/refs/heads/main/apis.yml
apis:
- aid: kontomatik:kontomatik-ais-api
  name: Kontomatik Account Information Service API
  tags:
  - Open Banking
  - PSD2
  - AIS
  - Bank Data
  humanURL: https://developer.kontomatik.com/docs/
  properties:
  - url: https://developer.kontomatik.com/first-steps/api-overview/
    type: Documentation
  - url: https://developer.kontomatik.com/docs/
    type: Documentation
  - url: openapi/kontomatik-ais-api-openapi.yml
    type: OpenAPI
  - url: json-schema/kontomatik-owner-schema.json
    type: JSONSchema
  - url: json-schema/kontomatik-account-schema.json
    type: JSONSchema
  - url: json-schema/kontomatik-transaction-schema.json
    type: JSONSchema
  - url: json-ld/kontomatik-context.jsonld
    type: JSONLD
  - type: NaftikoCapability
    url: capabilities/ais-account-information.yaml
  description: PSD2-regulated Account Information Service for connecting end-user bank accounts across Poland, Czech
    Republic, Spain, Portugal, Romania, Lithuania, Latvia, and Estonia. Supports Single Access (one-time fetch),
    Multiple Access (up to 180-day consent tokens), and Mixed Access. Includes redirection SignIn Flow, background
    import commands, consent revocation, and a KontoBank mock-bank sandbox.
- aid: kontomatik:kontomatik-pdf-parsing-api
  name: Kontomatik PDF Parsing API
  tags:
  - PDF Parsing
  - Document AI
  - Bank Statements
  - Poland
  humanURL: https://developer.kontomatik.com/docs/
  properties:
  - url: https://developer.kontomatik.com/docs/
    type: Documentation
  - url: openapi/kontomatik-pdf-parsing-api-openapi.yml
    type: OpenAPI
  - url: examples/kontomatik-pdf-statement-example.json
    type: Example
  - type: NaftikoCapability
    url: capabilities/pdf-statement-parsing.yaml
  description: Extract structured owner, account, and transaction data from Polish bank statement and transaction
    confirmation PDFs. Offers standard mode (rejects on verification failures) and trusted mode (returns data even
    when verification fails), plus a per-owner history endpoint and the PDF coverage catalog.
- aid: kontomatik:kontomatik-data-analysis-api
  name: Kontomatik Data Analysis API
  tags:
  - Transaction Labeling
  - Credit Scoring
  - Income Verification
  - Profiling
  - Machine Learning
  humanURL: https://developer.kontomatik.com/docs/
  properties:
  - url: https://developer.kontomatik.com/docs/
    type: Documentation
  - url: openapi/kontomatik-data-analysis-api-openapi.yml
    type: OpenAPI
  - url: examples/kontomatik-score-example.json
    type: Example
  - url: json-structure/kontomatik-owner-graph-structure.json
    type: JSONStructure
  - type: NaftikoCapability
    url: capabilities/transaction-labeling.yaml
  - type: NaftikoCapability
    url: capabilities/credit-scoring.yaml
  - type: NaftikoCapability
    url: capabilities/income-confirmation.yaml
  - type: NaftikoCapability
    url: capabilities/owner-profiling.yaml
  description: ML-powered analytical services on top of imported bank data — transaction labeling, vendor
    recognition (beta), credit scoring with repayment probability, behavioral profiling (beta), owner features, data
    summaries by category, income confirmation across four configurable timespans, external-data labeling for
    non-bank transactions, cross-source aggregation, and owner data deletion.
- aid: kontomatik:kontomatik-report-api
  name: Kontomatik Report API
  tags:
  - Reporting
  - Beta
  - Bank Data
  humanURL: https://developer.kontomatik.com/docs/
  properties:
  - url: https://developer.kontomatik.com/docs/
    type: Documentation
  - url: openapi/kontomatik-report-api-openapi.yml
    type: OpenAPI
  - type: NaftikoCapability
    url: capabilities/report-generation.yaml
  description: Create, list, and retrieve shareable Kontomatik Report tokens that bundle imported AIS and PDF data
    together with the analytical outputs into authenticated, time-bound deliverables (beta).
name: Kontomatik
tags:
- Open Banking
- PSD2
- AIS
- Bank Data Aggregation
- CEE
- KYC
- Credit Scoring
- Transaction Labeling
- PDF Parsing
kind: contract
image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
- url: https://kontomatik.com
  type: Portal
- url: https://developer.kontomatik.com/
  name: Kontomatik Developer Portal
  type: Documentation
- url: https://developer.kontomatik.com/docs/
  name: Unified Documentation
  type: Documentation
- url: https://developer.kontomatik.com/first-steps/
  name: First Steps
  type: GettingStarted
- url: https://developer.kontomatik.com/first-steps/api-overview/
  name: API Overview
  type: Documentation
- url: https://developer.kontomatik.com/first-steps/getting-api-access/
  name: Getting API Access
  type: Documentation
- url: https://developer.kontomatik.com/first-steps/insight/
  name: Insight Client Portal Guide
  type: Documentation
- url: https://developer.kontomatik.com/user-guides/
  name: User Guides
  type: Documentation
- url: https://developer.kontomatik.com/faq/
  name: FAQ
  type: Support
- url: https://insight.kontomatik.com/
  name: Insight Client Portal
  type: SignUp
- url: https://kontomatik.com/contact
  name: Contact
  type: Support
- url: https://calendly.com/dominik-wolski-kontomatik/demo-call
  name: Book a Demo
  type: SignUp
- url: https://www.linkedin.com/company/kontomatik
  type: LinkedIn
- url: https://github.com/kontomatik
  type: GitHubOrganization
- url: https://kontomatik.com/blog
  type: Blog
- url: plans/kontomatik-plans-pricing.yml
  type: Plans
- url: rate-limits/kontomatik-rate-limits.yml
  type: RateLimits
- url: finops/kontomatik-finops.yml
  type: FinOps
- url: vocabulary/kontomatik-vocabulary.yml
  type: Vocabulary
- url: rules/kontomatik-rules.yml
  type: SpectralRules
- type: Coverage
  data:
  - country: Poland
    countryCode: PL
    banks: 32
  - country: Spain
    countryCode: ES
    banks: 24
  - country: Portugal
    countryCode: PT
    banks: 22
  - country: Czech Republic
    countryCode: CZ
    banks: 10
  - country: Romania
    countryCode: RO
    banks: 8
  - country: Lithuania
    countryCode: LT
    banks: 6
  - country: Latvia
    countryCode: LV
    banks: 5
  - country: Estonia
    countryCode: EE
    banks: 5
- type: Features
  data:
  - PSD2-regulated Account Information Service (AIS) with Single, Multiple, and Mixed access modes
  - Multiple Access consent tokens reusable for up to 180 days
  - Redirection and Widget-based SignIn Flow
  - KontoBank mock bank for sandbox testing
  - PDF statement and confirmation parsing for Polish banks (standard and trusted modes)
  - Owner Upload endpoint for blending external financial data
  - Transaction labeling, vendor recognition (beta), and external-data labeling
  - ML credit scoring with repayment probability and explanations
  - Behavioral profiling (beta) and owner-feature extraction
  - Data summaries per category / account and income confirmation across four configurable timespans
  - Kontomatik Report (beta) — authenticated, time-bound shareable reports
  - Insight client portal with role-based access, 2FA, IP whitelisting, API key issuance, and usage statistics
  - ISO 27001 certified information security management
  - GDPR-compliant data handling with 24-hour default retention
  - Coverage across 8 CEE / Iberian markets — Poland, Czech Republic, Spain, Portugal, Romania, Lithuania, Latvia, Estonia
  - 150+ live customers across financial services, e-commerce, real estate, accounting, and leasing
  sources:
  - https://kontomatik.com
  - https://developer.kontomatik.com/
  - https://developer.kontomatik.com/docs/
  - https://developer.kontomatik.com/first-steps/api-overview/
  - https://developer.kontomatik.com/first-steps/insight/
  updated: '2026-05-25'
- type: Office
  data:
  - name: Warsaw HQ
    entity: Kontomatik sp. z o.o.
    address: Bonifraterska 17, 00-203 Warsaw, Poland
    krs: '0000338706'
    vatId: PL5213542911
  - name: Vilnius
    entity: Kontomatik UAB
    address: Didžioji 18, LT-01128 Vilnius, Lithuania
    registerNumber: '304852516'
- type: Email
  data:
  - label: General
    email: contact@kontomatik.com
  - label: Sales
    email: sales@kontomatik.com
  - label: Support
    email: support@kontomatik.com
  - label: Compliance
    email: compliance@kontomatik.com
  - label: PR
    email: pr@kontomatik.com
- type: Compliance
  data:
  - ISO 27001 certified
  - PSD2 licensed AIS provider
  - GDPR compliant
created: '2026-05-25T00:00:00.000Z'
modified: '2026-05-25'
position: Consuming
description: Kontomatik is a Warsaw- and Vilnius-based PSD2-licensed open banking provider delivering bank data
  aggregation, KYC, credit scoring, income verification, transaction labeling, and PDF statement parsing across
  Central and Eastern Europe (Poland, Czech Republic, Romania, Lithuania, Latvia, Estonia) and Iberia (Spain,
  Portugal). The platform combines an Account Information Service (AIS) with Single, Multiple, and Mixed access
  modes, Polish-bank PDF parsing in standard and trusted modes, and an analytical stack (labeling, vendor
  recognition, scoring, profiling, data summary, income confirmation) plus the Kontomatik Report. Operations are
  managed through the Insight client portal with API-key issuance, IP whitelisting, role-based access, and 2FA.
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.16'