Bank Connectivity
The Web Services channel is the Finnish banks' standard for corporate file traffic: retrieving statements and sending payment files. This guide covers how it works and what integrating it requires.
Use requires the customer's bank agreements. Exact bank and file support depends on the agreement and qualified profile.
The WS channel is a SOAP-based interface offered by banks, through which a company's software retrieves machine-readable statements and sends payment files. It replaces older batch-transfer methods and is used by all major Finnish banks.
The messaging is signed and encrypted, based on PKI certificates issued by the bank. The files are mostly in ISO 20022 format: statements as camt.053, payments as pain.001, and payment feedback as pain.002.
Adopting a WS connection requires a Web Services agreement with the bank and a certificate application. The software must build and sign WS messages, manage keys and certificate renewal, and process ISO 20022 files.
This is a significant implementation effort per bank — and it must be repeated for each bank, because there are bank-specific differences in the connections.
ISECure offers the WS channel as a single REST API. We handle message signing, certificates, key management, and bank-specific differences, so your software only makes simple REST calls. One integration covers the Finnish banks we support.
Start while the bank agreement and production certificates are still in progress. Bank Simulator lets you test the same API's certificate enrollment, file listing and download, and signed payment-file upload with synthetic data. When the real bank is ready, point that exact File Exchange API contract at the separately configured bank connection and keep the simulator for testing. Real bank channels do not provide an equivalent customer-controlled test environment.
| Direction | Capability |
|---|---|
| Both directions | Bank filesList and download bank-provided files and upload authorized files within the customer's bank agreement. |
| Input | CertificatesEnroll and renew bank-connection certificates through the existing API. |
No. The REST API is how the Bank Connectivity product is used for bank-file exchange.
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