Payment Initiation API

With a single API you can provide services for payments and transfers in all our supported countries.

New opportunities

By using our PSD2 Payment Initiation API, you are able to inititate a wide range of payments, transfers and cross-border payments for our mutual customers. With just this single API you can initiate payments for accounts in our supported countries.



Supported countries

Our Payment Initiation API supports the following countries; Finland, Great Britain, Sweden and the Netherlands for individuals and corporates. If you want to access local APIs for Handelsbanken Denmark and Norway, please follow the links below.

Handelsbanken Denmark

Handelsbanken Norway

How does it work?

The Payment Initiation API can be used to initiate payments for our mutual customers. You'll find all the endpoints for this API within the links below, as well as the swagger file. We've included examples and stated which objects are mandatory for the endpoints. You can also read the definitions for each object, both for requests and responses.

To start testing this API, please follow the Getting Started guide.

Getting Started


  • Initiate payments
  • Initiate transfers
  • Cross-border payments
  • Payment statuses

Available for

  • Finland
  • Great Britain
  • Sweden
  • The Netherlands

Go Live prerequisites

  • Authorised TPP 
  • PSD2 eIDAS certificate
  • Well tested app
  • Live data access

Country Specific Information

Here you'll find country specific information relating to payment types and specific rules for the below countries. There are some deviations depending on which payment type is selected and which customer category (i.e. individuals and corporates) are involved.


Great Britain


The Netherlands

Browse and explore API

In order to browse and explore our APIs please use a desktop sized browser.

Sign up to explore

In order to use the Payment Initiation API you must first sign up to create your personal developer portal account. Please follow the link below to sign up.


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Technical Guidelines

Before you start testing our APIs, please read our guidelines where you can find all the technical details you'll need. This guide gives you a clear overview of requests and responses in all our endpoints for AISP, PISP and CBPII flows.

Technical Guidelines