• LHV Open Banking

After clicking LHV EE payment method in payment method selection page user is redirected to LHV’s log in page. In there ‘Choose User’ option needs to be selected and ‘Log in’ button should be clicked.



User is directed to payment link with account list. In there one of the accounts can be selected and ‘PAY’ button can be pressed. Then user is redirected to LHV to complete SCA.

In SCA page, ‘Smart-ID’ is marked and ‘Confirm’ is clicked and payment is completed.

  • Swedbank Open Banking

For the redirect approach, “Authenticate in Bank” should be selected and CONTINUE button should be clicked.

After that step, the user will be redirected to Swedbank’s login page. There, in ‘Password card’ option, Both User ID and Permanent password are entered as ‘123456’. In the following page, customer should be selected and Enter should be clicked.

After that customer sees account list and needs to select IBAN and click pay.

In the next page clicking Confirm is enough to complete the payment.

  • SEB Open Banking

After clicking one of the SEB OB payment methods in the payment method selection page, the user is redirected to SEB’s login page. In the first page ‘ibsUser1’ should be entered and ‘Accept’ button should be clicked. In the second page, clicking ‘Agree and Continue’ button redirects user to account selection page.


In account selection page, one of the accounts should be selected and ‘PAY’ button should be clicked.

After this step, user is redirected to SEB for payment confirmation. Again in the first page, ‘ibsUser1’ should be entered and ‘Accept’ button should be clicked. Then in the next page ‘Continue’ button should be clicked and lastly ‘Confirm’ button should be clicked. If ‘Back to provider’ is clicked, user is redirected to service provider’s web page.


Decoupled payment flow

In the decoupled approach, the user stays on the payment page throughout the payment flow. User experience is better compared to the redirect approach in which the user is redirected to the bank’s page and come back to the payment page two times for a single payment.
How to test decoupled payment

in Integration
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