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Getting started with the YTS API

Getting started with the YTS API

So, you’ve decided that adding open banking services would be a good step for yourbusiness. Perhaps you’re curious about the user-friendliness and cost savings of Payment Initiation Services (PIS), or maybe it’s the Account Information Services (AIS) insights that have piqued your interest. But how do you actually get started with the Yolt Technology Services API?

In a nutshell

There are a couple of steps your development team will need to take, and in this article we’ll explain how these steps will work for the sandbox environment, where developers can connect to the Yolt test bank to learn how to work with our API. For the test set up, developers will need to:

1. Get access to the API portal
2. Connect to the API
3. Connect to banks
3. Retrieve accounts and transactions

Of course, for the production environment – where your company gets access to real banks and real user accounts and transactions – several more authentication steps will be necessary, but we’ll take you through all of those once testing has been completed. Initially, working with the sandbox environment will make it clear whether the YTS API is the right choice for your company.

Step 1. Getting access to the API portal

Because we know it’s impossible to make the decision to go with a technology before you’ve tried it out for yourself, we’ve made it easy for developers to gain access to our API portal. Developers can simply sign in with their GitHub accounts, and we’ll request some functional information to begin the testing process.

Step 2. Connecting to the API

To connect to the API itself, you’ll need an access token and a secure mutual TLS connection for communication between your application and the YTS API. In this step, you’ll set up the connection and then request and receive the access token. For security reasons, access tokens expire quickly, so we’re sure that the process of requesting and receiving access tokens will become second nature when using YTS API.

Step 3. Connecting to banks

As a Third-Party Provider (TPP), you’ll make connections to banks on behalf of your customers. In this step, we’ll create a test user with a YTS test bank account. From there, you can try out the connection flow. When you use the YTS API in production, and start making connections to real banks, you’ll need to verify your identity as a TPP. So, in production, step 3 will include an authentication from the relevant banks.

Step 4. Retrieving accounts and transactions

Now that a connection has been made to your customer’s bank, you can see – and retrieve – their accounts and transactions to use in your application.And that’s it! You’re all set up and know how to communicate with the YTS API. While there’s no available functionality to try out PIS API calls in the sandbox yet, it will involve similar skills and steps.

Next steps

Your developers can continue to work with the sandbox as long as they like to build more functionalities within your application while using a working API. If the capacities of the sandbox have convinced you, get in touch to start the process of onboarding at YTS to connect to real banks and accounts.

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