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Create order

Open Banking payments are transactions processed in accordance with the Open Banking standard in Georgia.

This payment method enables merchants to accept direct bank payments securely and efficiently.

It is aligned with the Payment Services Directive 2 (PSD2), which mandates Strong Customer Authentication (SCA) to enhance security.

Open banking payment is executed in 2 steps

Step 1: Create payment

To create Open Banking Payment, the mandatory parameter payment_systems = opb must be sent during create order request.

Additionally payment_method can be sent if payment have to be processed through a specified issuing bank.

Supported values for payment_method are:

Value Description
tbc TBC Bank
bog Bank of Georgia
liberty Liberty Bank
credo Credo Bank

Order can be created only within redirect flow and yet not supported for direct.

Refer to create order and parameters specifications to get details on how to create order.

Step 2: Strong Customer Authentication (SCA)

After the order is created, customer need to be redirected to checkout_url URL for Strong Customer Authentication within his bank.

How it works

If only payment_systems = opb specified, then customer will be redirected to Flitt checkout page.

On the checkout page customer will choose his bank and will be redirected to SCA page of his bank.

Open Banking Checkout page

If additionally payment_method is sent, customer will be redirected to SCA page of his bank without visiting Flitt checkout page:

Open Banking Checkout page 2