bit ביט API integration & OpenBanking Israel services

Deliverables checklist

• OpenAPI 3.1 specification for every endpoint
• Protocol & auth report (OAuth, device binding, refresh chain)
• Runnable Python & Node.js reference for login, balance, statement
• Automated pytest / Jest suites with replay fixtures
• Compliance brief: Bank of Israel PSD2, GDPR/Privacy Law 5781-1981
• Optional hosted endpoints with HMAC-signed webhooks

Engagement models

• Source code delivery from $300 — runnable source plus docs; pay on satisfaction
• Pay-per-call hosted API — usage-based pricing, no upfront cost
• Bug-fix & refresh subscription for endpoint drift (quarterly)
• White-label SDK packaging for resellers

1. Authorize a user (OAuth-style consent)

POST /api/v1/bit/auth/token
Content-Type: application/json
X-Client-Id: ofl_studio_demo

{
  "grant_type": "authorization_code",
  "code": "<PSD2_CONSENT_CODE>",
  "redirect_uri": "https://merchant.example/cb",
  "device_binding": {
    "platform": "android",
    "fingerprint": "sha256:..."
  }
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rft_...",
  "expires_in": 1800,
  "scope": "balance:read transactions:read"
}

2. Fetch a transaction statement

POST /api/v1/bit/statement
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "account_id": "il-bit-9f3c",
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "types": ["p2p", "request", "merchant"]
}

200 OK
{
  "currency": "ILS",
  "count": 42,
  "items": [
    {
      "id": "tx_01HXYZ...",
      "direction": "out",
      "amount": 120.00,
      "counterparty_hash": "ph_4a1b",
      "memo": "BBQ split",
      "ts": "2026-04-14T19:02:11+03:00",
      "status": "settled"
    }
  ],
  "next_cursor": "cur_eyJv..."
}

3. Merchant Bit-button webhook

POST https://merchant.example/webhooks/bit
X-Signature: t=1715300000,v1=hmac-sha256:...
Content-Type: application/json

{
  "event": "bit.payment.settled",
  "order_id": "ord_8821",
  "bit_tx_id": "tx_01HY7K...",
  "amount": 249.90,
  "currency": "ILS",
  "merchant_id": "mer_allpay_77",
  "occurred_at": "2026-05-09T12:41:08+03:00"
}

// On error: respond 5xx; the platform retries
// with exponential backoff for up to 24 hours.

PayBox (Israel Discount Bank)

Social payment app focused on group collections and P2P transfers. Holds group membership graphs, payment-request inboxes, and merchant payment events — users with both bit and PayBox histories often need a unified transaction export.

Pepper Pay (Bank Leumi)

Pepper’s payment surface powered by Bank Leumi. Provides P2P transfers and a digital wallet linked to Leumi current accounts, with a separate PSD2 dev portal at Leumi for AISP access.

Max

Israeli credit-card and payment app owned by Warburg Pincus. Holds card transaction history and BNPL plans — an obvious sibling source when normalising consumer spend alongside bit wallet activity.

Anypay (Isracard)

Isracard’s contactless and online payment app. Holds card-on-file events and Isracard loyalty data, often paired with bit in unified Israeli wallet stacks.

Cal Pay (Cal-Online)

Cal’s consumer payment surface with credit and instalment plans. Useful pairing for treasurers reconciling Cal-issued card transactions against bit P2P inflows.

Leumi App

Bank Leumi’s primary mobile banking app, exposing current-account balances and transfers under Israel’s PSD2 standard — the natural counterpart for a bit wallet linked to a Leumi top-up source.

Bank Hapoalim App

The flagship Hapoalim banking app and source of truth for a bit wallet’s funding source. Reads current-account postings against bit transfers for end-to-end auditing.

Apple Pay (Israel)

Apple’s contactless wallet, now the largest digital wallet by user count in Israel. Bit and Apple Pay frequently co-exist on the same device; integration projects need to attribute revenue between the two rails.

Google Pay (Israel)

Google Wallet’s Israeli deployment, launched in partnership with Bank Leumi and others. Holds tokenised card events that complement bit’s account-based P2P data.

BitPay Israel (merchant)

Merchant-side Bit-button infrastructure run via the bit developer portal. Provides checkout-level webhooks and refund APIs that pair with the consumer-side wallet integration described above.

About us

OpenFinance Lab is an independent technical studio focused on mobile-app protocol analysis and OpenData / OpenFinance API integration. Our engineers come from Israeli and international banks, payment service providers, and security teams. We have shipped production endpoints for Israeli P2P wallets, EU PSD2 AISP/PISP flows, and merchant-side reconciliation tooling, and we operate exclusively under customer authorisation or documented public APIs.

• Payments, digital banking, insurtech, and travel-tech
• OpenAPI 3.1, Python & Node.js, Go & Rust on request
• Security reviews and CI test harnesses included by default
• Bank of Israel PSD2, GDPR, and Privacy Law 5781-1981 aligned

Contact

Send the target app, the surfaces you want exposed, and any sandbox credentials you already hold — we will reply with a scope and quote within one business day.

Contact page

Engagement workflow

1. Scope confirmation: which bit surfaces (P2P, groups, merchant button) and which data points.
2. Protocol analysis & API design (2–5 business days).
3. Build & internal validation against sandbox or live consent (3–8 business days).
4. Docs, samples, automated test suite (1–2 business days).
5. First delivery typically 5–15 business days end-to-end.

FAQ

What do you need from me to start a bit ביט integration?

How long does delivery take for a bit ביט API drop?

How do you handle compliance with Bank of Israel and PSD2 rules?