• Look into the future with SIBS API Market

    Explore SIBS API Market. Discover the available APIs, how you can access them and get the information you need to boost your business.

  • SIBS API Market and PSD2

    Ease your effort and find the unparalleled reachability of our PSD2 APIs. Over 95% of all the Portuguese Payment Accounts are already in!

  • SIBS API Market Catalogue

    Our marketplace catalogue includes APIs from several API Providers: Connected Banks, SIBS and other Partners, such as Fintechs.

SIBS API Market Info

What is SIBS API Market?

SIBS API Market provides both market-shared and provider-specific Payments, Information and Analytics APIs.

We provide all PSD2-compliant APIs (Account Information, Payment Initiation and Availability of Funds) as well as the MB WAY API which offers a simple solution to integrate checkout payments into online stores.

Here you can find the right services to integrate with and add value to your business.


Why is SIBS API Market the right option for my business?

  • Trust

    Trust & Security

    SIBS brings into this platform the best in security and fraud prevention, combined with our experience in managing critical payment services.

  • Time to Market


    The APIs guarantee a one-time implementation for PSD2 compliance, reaching more than 95% of all the Portuguese Payment accounts.

  • Efficiency


    The integration process counts on a specialised Service Desk ensuring quick answers to your business-related questions or technical issues.

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Payment Services Directive

What is PSD2?

Payment Services Directive (PSD2) complements the EU rules to enable new players and existing services to grow payment instruments and access to payment accounts.

The first Payment Services Directive (PSD1) was adopted in 2007. This legislation provides the legal foundation for an EU single market for payments, to establish safer and more innovative payment services across the EU. The objective was to make cross-border payments as easy, efficient and secure as ‘national’ payments within a Member State.

It offered economies of scale and helped the Single Euro Payments Area (SEPA) in practice. The Commission proposed to review PSD1 to modernise it to take account of new types of payment services, such as payment initiation services.

Payment Services Directive

The revised Payment Services Directive (PSD2), from 2015, updates and complements the EU rules put in place by the Payment Services Directive (PSD1). Its main objectives are to:

  • Contribute to a more integrated and efficient European payments market
  • Improve the level playing field for payment service providers
    (including new players)
  • Make payments safer and more secure
  • Protect consumers

PSD2 widens the scope of PSD1 by covering new services and players as well as by extending the scope of existing services (payment instruments issued by payment service providers that do not manage the account of the payment service user), enabling their access to payment accounts.

Who can use the APIs

  • Time to Market

    Fintechs and startups

    Fintechs and startups that want to create value to their customers by using services provided by partner API providers.

  • PISP

    Banks and Financial Institutions

    All Banks or Financial Institutions interested in accessing the PSD2 APIs as a Third Party Payment Service Provider.



    Established organizations wishing to enhance their current business or expanding to new ones.