TrueLayer

TrueLayer is Europe's leading open banking platform providing unified access to bank data, payments, payouts, refunds, and variable recurring payments across the UK and EU. TrueLayer connects to 69+ financial institutions and enables instant bank payments, data enrichment, and account verification through a single API.

URL: apis.yml

APIs

TrueLayer Payments API v3

Create and manage open banking payments, payouts, refunds, and variable recurring payment mandates.

• Base URL: https://api.truelayer.com
• Sandbox: https://api.truelayer-sandbox.com
• Authentication: OAuth2 Bearer token + request signing (Tl-Signature)
• Documentation: Payments API Basics

Key Endpoints:

• POST /v3/payments — Create a payment (pay-in or single payment)
• GET /v3/payments/{id} — Get payment status
• POST /v3/payments/{id}/refunds — Create a refund
• POST /v3/mandates — Create a VRP mandate
• GET/DELETE /v3/mandates/{id} — Get or revoke a mandate
• POST /v3/payouts — Create a payout
• GET /v3/merchant-accounts — List merchant accounts
• GET /v3/merchant-accounts/{id}/transactions — Transaction history

Webhook Events: 17 event types including payment_creditable, mandate_authorized, payout_executed, refund_executed, balance_notification

TrueLayer Data API

Access bank account data for account information, transactions, balances, and identity verification.

• Documentation: Data API Basics

Artifacts

Type	File
OpenAPI Spec (Payments)	openapi/truelayer-payments-openapi.yml
Spectral Rules	rules/truelayer-rules.yml
Naftiko Capabilities	capabilities/open-banking-payments.yaml
Shared Capability	capabilities/shared/truelayer-payments.yaml
Payment JSON Schema	json-schema/truelayer-payment-schema.json
Payment Structure	json-structure/truelayer-payment-structure.json
JSON-LD Context	json-ld/truelayer-context.jsonld
Examples	examples/
Vocabulary	vocabulary/truelayer-vocabulary.yml

Capabilities

Open Banking Payments (capabilities/open-banking-payments.yaml)

Workflow capability for the full open banking payment lifecycle — creating payments and mandates, handling payouts, processing refunds, and monitoring merchant accounts across UK and EU.

• REST port: 8080
• MCP port: 9090
• Tools: 12 tools covering payments, refunds, mandates, payouts, and merchant accounts

Tags

• Data API
• Financial Services
• Open Banking
• Payments
• PSD2
• UK Banking
• VRP

Timestamps

• Created: 2026-03-27
• Modified: 2026-05-03

Maintainers

FN: Kin Lane
Email: kin@apievangelist.com