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