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pavelmaca/open-banking
======================

OpenBanking Connector

1.0(6y ago)1182MITPHPPHP >=7.2

Since Apr 15Pushed 6y ago1 watchersCompare

[ Source](https://github.com/pavelmaca/open-banking)[ Packagist](https://packagist.org/packages/pavelmaca/open-banking)[ RSS](/packages/pavelmaca-open-banking/feed)WikiDiscussions master Synced 4w ago

READMEChangelogDependencies (7)Versions (3)Used By (0)

Czech Open-Banking REST API
===========================

[](#czech-open-banking-rest-api)

PHP library based on [Czech Open-Banking API standard](https://czech-ba.cz/cesky-standard-pro-open-banking).

**Supported services**

- Account information
- Balance check
- Payment initialization (partial)

Extensibility
-------------

[](#extensibility)

The goal is to support as many banks as possible using only one interface for a communication. Library already includes a special Authenticators and Connectors for some REST APIs.

### Authentication

[](#authentication)

Requiring and handling authentication token is out of scope for this library.
Using `\PavelMaca\OpenBanking\Auth\Authentication` interface you can use own implementation for access token handling and storage.

Some implementations require some different authentication parametrs or additional headers. For this case, you can expand or implement own Authenticator using `\PavelMaca\OpenBanking\Auth\Authentication` or `\PavelMaca\OpenBanking\Auth\StandardAuthentication`.

Example:

```
class BankB implements \PavelMaca\OpenBanking\Auth\Authentication
{

    public function getAuthHeaders(): array
    {
        return [
            'X-Special-Header' => 'foo',
            'Authorization' => 'Bearer ' . $this->getAccessToken(),
        ];
    }

    protected function getAccessToken(){
        // Get access token via OAUth 2.0
    }

    public function getCertificate()
    {
        // Custom certificate handling
    }
}
```

### Handling HTTP connection

[](#handling-http-connection)

Using interface Conncetor, you can create own HTTP handler, for executing HTTP requests. Library contains StandardConnector with data hydratation into objective data layer.

Usage
-----

[](#usage)

```
$auth = new \PavelMaca\OpenBanking\Auth\StandardAuthentication();
$auth->setCertificate(__DIR__ . '/../data/cert.crt', 'secretPassword');
$auth->setAccessToken('timeLimitedToken');

$connector = new \PavelMaca\OpenBanking\Bank\StandardConnector($auth, 'http://banka.cz/', 'v1');

try {
    $ais = new \PavelMaca\OpenBanking\Standard\AccountInformation($connector);
    $accountList = $ais->getAccountList();
    var_dump($accountList);

    $cisp = new \PavelMaca\OpenBanking\Standard\BalanceCheck($connector);
    $transactionDetail = new \PavelMaca\OpenBanking\Standard\CISP\Parts\TransactionDetail('CZK', 100);
    $balanceCheckRequest = new \PavelMaca\OpenBanking\Standard\CISP\BalanceCheckRequest('id', 'CZ010046464', $transactionDetail);
    $cisp->getBalanceCheck($balanceCheckRequest);

    $pisp = new \PavelMaca\OpenBanking\Standard\PaymentInitialization($connector);
    $paymentRequest = new \PavelMaca\OpenBanking\Standard\PISP\DomesticPaymentRequest('id', 100, 'CZK', 'CZ0123', 'CZ0456');
    $accountBalance = $pisp->createPayment($paymentRequest);
} catch (\PavelMaca\OpenBanking\Standard\Exception\StandardException $ex) {
    var_dump($ex);
}
```

Supported banks
---------------

[](#supported-banks)

Library is aimed to copy Czech standard in version 2.0. Depending exactly on specific implementation, library should handle all banks following Czech Open-Banking standard.

**Tested**

- [Česká spořitelna a.s.](https://developers.erstegroup.com/docs/apis/bank.csas)
- [EquaBank](https://www.equabank.cz/pece-a-podpora/otevrene-bankovnictvi)

###  Health Score

26

—

LowBetter than 43% of packages

Maintenance20

Infrequent updates — may be unmaintained

Popularity9

Limited adoption so far

Community9

Small or concentrated contributor base

Maturity55

Maturing project, gaining track record

 Bus Factor1

Top contributor holds 100% of commits — single point of failure

How is this calculated?**Maintenance (25%)** — Last commit recency, latest release date, and issue-to-star ratio. Uses a 2-year decay window.

**Popularity (30%)** — Total and monthly downloads, GitHub stars, and forks. Logarithmic scaling prevents top-heavy scores.

**Community (15%)** — Contributors, dependents, forks, watchers, and maintainers. Measures real ecosystem engagement.

**Maturity (30%)** — Project age, version count, PHP version support, and release stability.

###  Release Activity

Cadence

Every ~235 days

Total

2

Last Release

2345d ago

Major Versions

0.1 → 1.02019-12-07

### Community

Maintainers

![](https://www.gravatar.com/avatar/fadce37e874cf86011089cc03e47c263ab1a3f937924eaf21caeeefb0f202450?d=identicon)[PavelMaca](/maintainers/PavelMaca)

---

Top Contributors

[![pavelmaca](https://avatars.githubusercontent.com/u/276292?v=4)](https://github.com/pavelmaca "pavelmaca (9 commits)")

---

Tags

api-clientbanksczech-standardopen-banking

###  Code Quality

TestsPHPUnit

Static AnalysisPHPStan

Code StylePHP CS Fixer

Type Coverage Yes

### Embed Badge

![Health badge](/badges/pavelmaca-open-banking/health.svg)

```
[![Health](https://phpackages.com/badges/pavelmaca-open-banking/health.svg)](https://phpackages.com/packages/pavelmaca-open-banking)
```

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