adorsys ModelBank

Emulates Open APIs so you can create bank accounts, trigger payments and experiment with data

The ModelBank is an isolated sandbox environment where processes between TPPs and banks can be tested. The aim is to improve the user experience before a bank’s production system goes live.

The challenge

The Payment Service Supervision Act requires account providers to provide regulated access (X2SA) to online payment accounts for third party card issuers, payment initiation service providers and account information service providers – all in compliance with PSD2.

But how do you, as a bank, enable TPPs to test PSD2 open APIs?

And how can a TPP develop its own system to connect to the open API interface?

The solution

Our ModelBank takes care of this part of PSD2 compliance! The ModelBank is an isolated sandbox environment where processes between TPPs and banks can be tested. The goal is to improve the user experience before a bank’s production system goes live.

Using an intuitive user interface, the ModelBank allows direct access to bank APIs and TPP test certificates, as well as the management of test accounts – without the need to use real account data.

Our solution is constantly updated and is configured and installed in workshops with us. It comes with all the modules you need to become sandbox PSD2 compliant, including X2SA interface, bank account emulation (ledgers), TPP user interface for account and user management, online banking user interface for testing, test certificate generator and a developer portal with comprehensive instructions.

Because the X2SA interface is part of our core X2SA solution, the sandbox environment also includes support for multi-level SCA, multi-currency accounts, and other features.

The benefits

  • Comprehensive PSD2 testing service based on Berlin Group standards
  • Option to generate test certificates
  • Emulates banking system with account details
  • Personalized UI for account and user management
  • Our solution is continuously updated to the latest standards