Before you start you should do a few basic tasks in following steps:

1. Register your organization
2. Invite your developers
3. Create your application

Step 1. Register your organization

To register your organization you should navigate to Sign-up. At first you register yourself as your organization administrator by filling your first name, last name, email address, username, password and accepting the End User License Agreement. Then you register your organization by filling its name and description. Your registration is sent to the bank by clicking Register Now button.

After receiving your registration the bank will send you the confirmation email to the email address which you provided. The email will include link to activate your account and log into the Developer portal. Your registration is completed after you click on the confirmation link and successfully login.

In case you login to the Developer portal without using the confirmation link the Developer Portal will show you the following error message 'Your account has been disabled'.

Organization Name

Accounts API, Payments API and Funds API require that your organization name matches the name in Financial Services Register provided by National Bank of Slovakia and the client certificate.

Password policy

You need a password to login to the Developer Portal which is defined by the password policy settings. Your password should comply with the following rules:

Step 2. Invite your developers

As an organization administrator you can invite developers from your organization. To invite new developers enter Dashboard/Organization page and then click to Invitations menu item on the left. By clicking the Invite New Users button you will start the invitation process. After filling the list of developer's emails click the Send Invitation(s) button. Each developer from your invitation list will receive confirmation email with registration link to the Developer portal. You can check the current status of your developers' onboarding on the Dashboard/Organization page in Developers menu item.

Step 3. Create your application

After creating the application you are able to access the testing (Sandbox) environment for the subscribed APIs.

Step 3.1. Fill in application information

Before you are able to make your first API call you need create an application on the Developer Portal. Enter Dashboard/Applications page. To add new application click the Add Application button and start with filling the required application information in the Application Information tab.

Step 3.2. Choose APIs

In API Management tab you are able to choose the APIs which you want to access.

Step 3.3. Set up authentication

Add Callback URL

In Auth tab, you have to add a Callback URL, which is used by the bank authorization server to return responses containing authorization credentials to the application via your customer user-agent. The bank authorization server requires all applications to register one or multiple callback URLs (redirect URIs) before utilizing the authorization endpoint. Redirection endpoint is described in OAuth 2.0 protocol in Section 3.1.2. Redirection Endpoint.

Callback URL for Sandbox environment: https://developer.tatrabanka.sk/resources/oauthCallback.html

Add Scope

For OAuth 2.0 Authorization Code Grant supported scopes are:

• AISP in the Accounts APIs
• PREMIUM_AIS in the Premium APIs
• payments in the Payments APIs

For OAuth 2.0 Client Credentials Grant supported scopes are:

• PISP in the Payments APIs

Choose type

OAuth 2.0 protocol defines two client types (Confidential and Public), based on their ability to authenticate securely with the authorization server (i.e., ability to maintain the confidentiality of their client credentials) in Section 2.1. Client Types. Please choose option which best suites your application architecture.

Step 3.4. Select Application Usage (Optional)

Not required for PSD2 APIs.

Premium API offers two different types of Application Usage for its consumers. If you are a Premium API consumer, visit the Application Usage tab and select one of those options:

• Final consumer: this application usage enables you to access your accounts held in Tatra banka
• TPP

Step 3.5. Start with testing APIs

Click the Save button in order to create new application.

After successful creation of the application the Developer Portal generates client credentials of your application:

• API Key (also called client_id, e.g. l7xx528bd862138c4e9bab60cfb5d4d85df8)
• Application secret (also called client_secret, e.g. 3d5e2ac607ff4f5aa6c5132e1f0f0159)

Please keep your application secret safe. However if your application secret is compromised you can request to generate new secret by clicking the Request a New Shared Secret button in Auth tab while editing your application.

Promote application to Live

To promote your application to Live environment enter the Dashboard/Applications page and start with editing your application. In API Management tab you can request to change Sandbox plan to Production (Live) plan.

In Live environment the Accounts API, Payments API and Funds API require Two-Way SSL communication. Therefore you should send an email with attached client certificate in txt. or pem. file format to developer@tatrabanka.sk. For your authentication as a client the API accepts eIDAS-based site authentication certificate. Such certificate must comply with the requirements according to the Article 45 of Regulation (EU) No 910/2014 and with ETSI TS 119 495. You can find the Certificate Authorities list on the Slovak National Security Authority web site and on the EU Trust Service web site.

Two-Way SSL (Mutual Authentication)

For secure communication between your application and the bank server TLS version 1.2+ is required in Sandbox and Live environment. For TLS 1.2 protocol details see RFC 5246. For more requirements to secure communication see Chapter 4.2 Securing communication in Slovak banking API standard ver. 2.0 document on Slovak Banking API Standard page.

The Accounts API, Payments API and Funds API require secure their communication with clients by Two-Way SSL method in Live environment. In this method, the client and server need to authenticate and validate each other's identities. The authentication message exchanged between the client and server is called an SSL handshake, and it includes the following steps:

1. A client requests access to the protected resource.
2. The server presents its certificate to the client.
3. The client verifies the server's certificate.
4. If successful, the client sends its certificate to the server.
5. The server verifies the client’s credentials.
6. If successful, the server grants access to the protected resource requested by the client.

To establish a Two-Way SSL connection, you have to possess:

• private key
• client certificate
• certificate authority root certificate
• certificate authority intermediate certificates