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API Platform
Designed for teams building and commercialising their own technology, Aritma gives you standardised bank data, events and payment flows across banks and ERPs — so you can innovate faster and reduce development complexity.
As AI agents and autonomous workflows enter finance, our platform provides the compliant API layer they need to understand financial data, initiate payments and orchestrate processes safely in real time.
Your systems
ERP
Payroll system
Other expert systems
Any file
format
ISO 20022
Open banking API
Your banks
Connect once to access corporate bank data, standardise your workflows, and deliver a smoother experience for your team and users.
Connect to Nordic banks through a single unified API, built on ISO 20022 and aligned with modern payment infrastructure.
Access balances and full account details across account types, so your product always reflects what is actually in the bank.
Pull transaction data directly from bank statements, whether you need the latest movements or a full history for analysis and automation.
Create, approve, send and manage payments, with receivable tracking and native support for credit notes that goes beyond standard PSD2 scope.
Our webhook functionality ensures you receive instant updates on crucial events, enabling you to respond swiftly and efficiently to notifications from your integrations, and reducing the need for continuous system monitoring.
Deliver bank connectivity under your own brand, while managing users across banks and companies with SSO, SCIM and RBAC for granular permissions.
PSD2 covers the foundation, such as balances, transactions, and single payment initiation. Aritma goes further with broader account access, richer receivables data, advanced approval flows, webhooks, and functionality built for real business use cases.
Choose from more than 250 integrations across Europe, spanning banks and financial systems, and build on top of a flexible integration layer.
Access bank data, payments, and events through one API platform.
A simpler way for product teams to get the data and workflow support you need, without building every bank integration from scratch.
Aritma Pay is the ideal solution for businesses seeking a seamless transition from Telepay to the new ISO 20022 XML-standard.
It allows for easy conversion between Telepay and ISO 20022 without the need to upgrade existing payment systems, ensuring a smooth and straightforward switch for businesses.
Beyond converting from Telepay to ISO 20022, Aritma Pay also offers standardized bank integration and automated accounting by streamlining manual payment processing routines.
Telepay is a standard file format for remittance (transfer of payment information) between, for example, accounting systems and banks. The file format is a Norwegian standard that can be used for both domestic and international payments.
Developed in the late 1980s, Telepay has historically been Norway’s most widespread payment format. With the adoption of ISO 20022 as the new standard, the management of Telepay by banks and Bits has ceased, leading to its discontinuation on various dates by different banks.
Norwegian banks have set an end-date for Telepay:
DNB: March 31, 2024
SEB: June 1, 2024
Nordea: June 30, 2024
Sparebank 1: October 1, 2024
Many large companies still use Telepay, especially those with on-premise ERP systems or specialized systems supporting payment processing. These systems can be challenging to maintain and upgrade.
If you don't yet have a plan for transitioning to ISO20022, time is of the essence.
Aritma API Platform connects banks and ERPs through one API platform, giving you access to bank data, payments, and accounting workflows.
It is built for companies developing and commercialising their own technology, helping product teams launch faster, reduce integration work, and build finance features that scale.
With Aritma API Platform you can build products and workflows for supplier payments, receivables, reconciliation, liquidity, and embedded approvals. Typical use cases include payment initiation, incoming payment matching, bank to ERP reconciliation, balance dashboards, and finance features embedded directly into your own product.
Our API Partners use the platform to build finance features that sit directly inside their own product.
Typical use cases include:
And this is only the start. New use cases keep emerging as teams combine banking, accounting, and event driven workflows in new ways. If you have an idea for how to use the platform, get in touch and we will explore how it can support your business.
The Aritma API platform is built for broad Nordic coverage and lets you connect to almost any bank in the Nordic region (Norway, Sweden, Denmark and Finland) through a single API integration.
See all our integrations here.
Can’t find the integration you’re looking for? Give us a heads up, and maybe we can build the integration for you.
PSD2 covers the basics, such as live balances, historical transactions, and single payment initiation.
Aritma goes further with broader account coverage, richer receivables data, native credit notes support, more advanced payment flows, real time events, and infrastructure built for business critical workflows.
With Aritma, you can support all account types, receivables with full specifications, credit notes, bulk payments, cross bank approval in a single SCA flow, multi company payment approval, custom payment bundling rules, consolidated statement lines, webhooks, and a service availability guarantee.
In short, PSD2 gives you baseline open banking functionality. Aritma adds the capabilities teams need to build real business products and workflows.
Yes. Aritma offers an API Partner model that lets you build scalable white labelled solutions on top of the platform, which is especially relevant for ERP vendors, accounting software providers, and fintech companies.
Get more information about our partner network, and how to apply here.
No. The platform is independent and flexible, meaning it works separately from any specific bank, ERP, or expert system.
That makes it easier to adapt if your customers change systems or if your own product evolves over time.
A Banking API is an interface that lets software access banking services such as account information, balances, transactions, payments, and consent management. Aritma’s Banking API is designed to give you one standard way to work with these services across banks instead of building bank by bank integrations.
With Aritma's API Platform, you can use the Banking API to seamlessly integrate banking services into your applications. This provides easy access to financial data and functions, enhancing both efficiency and user experience. You can view a comprehensive list of bank integrations on our website here.
An Events API lets your system subscribe to real time notifications when something changes, instead of constantly polling for updates. On Aritma’s platform, the Events API is used for webhooks and event driven integrations, and events follow the CloudEvents v1.0 specification.
See more information in Aritma Developer Portal.
Walk through your use case, explore the Aritma API Platform, and see how to ship bank connected features faster with less integration overhead.
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