generated: '2026-09-02'
method: searched
source: https://openbanking.api.tietoevry.com/documentation/how-to-instruction.yaml (provider "Getting
  started!" manual, fetched 2026-09-02, HTTP 200), plus the securityDefinitions declared in
  openapi/tietoevry-tieto-xs2a-vam-accounts.yaml, openapi/tietoevry-tieto-xs2a-vam-users.yaml and
  openapi/tietoevry-sepa-direct-debit-api-gateway.yaml
docs: https://openbanking.api.tietoevry.com/getting-started
note: 'Spec-derived security is thin because the Berlin Group XS2A specs Tietoevry publishes declare their
  credential headers as ordinary header parameters rather than securityDefinitions: X-API-Key appears as a
  required header parameter on 171 of the 211 published operations but is a declared securityScheme only in
  the two VAM specs. The provider manual states the real profile, so this file is upgraded from derived to
  searched. The openIdConnectUrl in the SEPA Direct Debits gateway spec is the literal placeholder
  http://example/openid-connect and does not resolve to a Tietoevry issuer.'
summary:
  types:
  - apiKey
  - openIdConnect
  - mutualTLS
  api_key_in:
  - header
  primary: 'API key in the X-API-Key header, issued per registered application in the developer portal'
schemes:
- name: APIKeyHeader
  type: apiKey
  in: header
  parameter: X-API-Key
  description: 'The API key of the application registered in My Apps. The provider manual states it "must be
    added to every call you make on our APIs" and it is copied from the app detail screen in the portal.
    Present as a required header parameter on 171 published operations.'
  scope: all XS2A, premium and VAM operations
  obtained_at: https://openbanking.api.tietoevry.com/workplace/applications/sandbox
  sources:
  - openapi/tietoevry-tieto-xs2a-vam-accounts.yaml
  - openapi/tietoevry-tieto-xs2a-vam-users.yaml
  - https://openbanking.api.tietoevry.com/documentation/how-to-instruction.yaml
- name: Authorization
  type: http
  scheme: bearer
  description: 'OAuth 2.0 bearer access token used for the OAuth2 SCA (redirect) and embedded SCA approaches
    described in the provider''s oauth2-how-to and embedded-SCA introductions. Declared as an Authorization
    header parameter on 62 operations rather than as a securityScheme; the provider publishes no
    authorization-server metadata document and no scope reference, so the token endpoint and scope names are
    not machine-readable from the public surface.'
  sources:
  - openapi/tietoevry-oauth2-how-to.yaml
  - openapi/tietoevry-tieto-oauth2-embedded-intro.yaml
- name: bearerToken
  type: openIdConnect
  openIdConnectUrl: http://example/openid-connect
  description: 'Declared on the SEPA Direct Debits gateway. The URL is an unreplaced placeholder, so the
    discovery document cannot be fetched; treat the real issuer as undocumented.'
  sources:
  - openapi/tietoevry-sepa-direct-debit-api-gateway.yaml
- name: eIDAS QWAC / QSealC
  type: mutualTLS
  description: 'PSD2 production access requires eIDAS qualified certificates (QWAC for transport, QSealC for
    sealing), registered against the application in the portal. The provider manual states "QWAC and QSeal
    certificates are not required in the Sandbox mode", which is the reverse statement of the live
    requirement. Consistent with this, https://openbanking.api.tieto.com (the host named in the published
    specs as the live XS2A base) resolves to 20.86.199.14 but terminates TLS with a self-signed chain to an
    ordinary client, i.e. the live gateway is not reachable without the client certificate.'
  applies_to: live
  sources:
  - https://openbanking.api.tietoevry.com/documentation/how-to-instruction.yaml
  - probe of https://openbanking.api.tieto.com/ on 2026-09-02
- name: APPIDHeader
  type: apiKey
  in: header
  parameter: X-APP-ID
  description: Application ID to be used for authentication against Generic SSO.
  scope: VAM
  sources:
  - openapi/tietoevry-tieto-xs2a-vam-accounts.yaml
  - openapi/tietoevry-tieto-xs2a-vam-users.yaml
- name: TokenHeader
  type: apiKey
  in: header
  parameter: X-Token
  description: Token to be used for authentication against Generic SSO.
  scope: VAM
  sources:
  - openapi/tietoevry-tieto-xs2a-vam-accounts.yaml
  - openapi/tietoevry-tieto-xs2a-vam-users.yaml
- name: TokenTypeHeader
  type: apiKey
  in: header
  parameter: X-Token-Type
  description: Token type to be used for authentication against Generic SSO. This provides support for
    different types of token by different issuing systems.
  scope: VAM
  sources:
  - openapi/tietoevry-tieto-xs2a-vam-accounts.yaml
  - openapi/tietoevry-tieto-xs2a-vam-users.yaml
consent_model:
  note: 'Beyond credentials, every account-data and funds-confirmation call carries a Consent-ID header
    naming a PSU consent that the customer authorised through an SCA redirect. Consent is the real
    authorisation object in this API, not a scope.'
  header: Consent-ID
  statuses:
  - received
  - valid
  - rejected
  - expired
  - revokedByPsu
  - terminatedByTpp
  - blocked
  - deleted
  max_validity: 'Recurring AIS consent validity is 90 days, extended to 180 days under the EBA SCA exemption
    in Commission Delegated Regulation (EU) 2022/2360 RTS Article 10a; the provider states the 180-day
    interface is available in the Sandbox environment.'