Berlin Group NextGenPSD2

The Berlin Group NextGenPSD2 Access to Account (XS2A) Framework is a pan-European API standard developed by the Berlin Group, a payments interoperability standards body representing major European banks, payment processors, and card schemes.

NextGenPSD2 defines RESTful API specifications for the three PSD2 access-to-account services: Account Information Service (AIS), Payment Initiation Service (PIS), and Confirmation of Availability of Funds (PIIS/CAF). The framework enables third-party providers (TPPs) — Account Information Service Providers (AISPs) and Payment Initiation Service Providers (PISPs) — to access customer account data and initiate payments through standardised APIs.

The standard is built on JSON-based messaging with OAuth 2.0 / OpenID Connect security profiles. It supports multiple Strong Customer Authentication (SCA) approaches including redirect, decoupled, and embedded flows. The framework has been adopted by the majority of European banks, making it the most widely implemented PSD2-compliant API standard.

Version 1.3.12 includes enhancements for multi-currency accounts, standing orders, periodic payments, and improved error handling. The Berlin Group also offers conformance testing tools and an implementation guide to facilitate consistent adoption across institutions.