Digitalni Kiosk API integration services (Montenegro AIS/PISP)

Parking-zone session API

Endpoints to list zones, start a paid session for a given license plate, extend it before expiry, and close it on demand. Returns the zone code, tariff per hour, expiry timestamp and a reference number that matches the receipt shown inside the Digitalni Kiosk app. Used by fleet operators in Podgorica and coastal cities to remove manual ticketing.

Utility bill ingestion

Pulls open EPCG electricity invoices, Vodovod i kanalizacija DOO Podgorica water statements and Čistoća waste-collection bills as structured records (account number, billing period, due amount, status). The same module can mark them paid through a PISP call once the user authorises the debit.

Telecom prepaid & postpaid

Unified top-up for Crnogorski Telekom, Telenor and m:tel prepaid numbers, plus settlement of postpaid invoices. Idempotency keys and a retry policy stop double-charging when a mobile network momentarily drops the confirmation.

Tickets & mobility services

Course tickets, internet packages, TV subscriptions, event tickets, car rental, transfer booking, insurance and roadside assistance — each exposed as a typed resource with its own catalogue endpoint and a uniform purchase flow, so a third-party portal does not have to model seven different vendors.

Statement & export

Date-range statement query across all of the above, returning a normalised line item: timestamp, biller, category, amount in EUR, card BIN, reference. Outputs in JSON for APIs, CSV for spreadsheets and XLSX for tax filings; useful for landlords reconciling tenant utility bills.

Webhook callbacks

Server-to-server callbacks on three events: parking-session-expiring (15 min remaining), bill-paid and topup-completed. They allow downstream systems — accounting, CRM or a fleet console — to react in near real time without polling the statement endpoint.

1. Coastal rental fleet — parking auto-pay

A car rental in Tivat or Herceg Novi assigns vehicles to short-term renters but is still liable for unpaid municipal parking. The integration listens to parking.session.starting for the rental's plate pool, opens a session in the correct zone, and writes the cost back to the booking record. The 15-minute free-window webhook prevents accidental charges when the renter only stops briefly.

2. Property manager — multi-utility reconciliation

An agency that manages 80 short-let apartments in Podgorica needs each apartment's EPCG and Vodovod bill matched to the unit. We pull bills.list filtered by account number, push a normalised CSV to the back-office spreadsheet, and trigger a PISP bills.pay only for amounts under a per-unit cap, with the rest queued for manual approval.

3. Corporate mobile fleet — prepaid & postpaid sync

An enterprise with mixed Crnogorski Telekom and m:tel SIMs uses Digitalni Kiosk to keep field workers' phones topped up. The integration exposes topup.create and a daily statement.export, so finance gets a single XLSX listing every recharge, the requesting employee, the MSISDN and the EUR cost — instead of three different operator portals.

4. Event organiser — ticketing distribution

An organiser running concerts in Podgorica wants their event listed inside Digitalni Kiosk's "digital ticket for event" catalogue. The integration registers a ticket SKU through events.publish, watches events.sale webhooks, and feeds them into the organiser's CRM so customer support can answer "did my payment go through" within a minute.

5. Personal finance app — OpenFinance aggregation

A regional PFM consolidates Montenegrin retail spending across cards, utility bills and parking. With user consent it consumes Digitalni Kiosk's statement.query as an AIS feed, classifies each line by category (mobility, utilities, telecom, leisure) and attaches it to the user's broader OpenBanking timeline. No card credentials leave the user's device.

Auth — bind a user under consent

POST /api/v1/digitalnikiosk/auth/bind
Content-Type: application/json

{
  "msisdn": "+38267xxxxxxx",
  "device_id": "dk-ios-9f2a",
  "consent": {
    "scope": ["parking.read", "bills.read", "bills.pay", "topup.write", "statement.read"],
    "ttl_days": 90,
    "purpose": "OpenFinance aggregation"
  }
}

200 OK
{ "user_ref": "u_8f12...", "access_token": "eyJ...",
  "refresh_token": "rt_4a...", "expires_in": 3600 }

Parking — start a zone session

POST /api/v1/digitalnikiosk/parking/start
Authorization: Bearer <ACCESS_TOKEN>

{
  "city": "PODGORICA",
  "zone": "Z1",
  "plate": "PG-AB-1234",
  "duration_minutes": 60
}

201 Created
{ "session_id": "ps_2025...", "expires_at": "2026-04-29T14:00:00Z",
  "amount_eur": 0.80, "free_15min_until": "2026-04-29T13:15:00Z" }

Bills — list and pay (PISP-style)

GET /api/v1/digitalnikiosk/bills?biller=EPCG&status=open
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{ "items": [
  { "bill_id": "epcg_2026_03_xxx",
    "biller": "EPCG", "period": "2026-03",
    "due_amount_eur": 42.17,
    "due_date": "2026-04-15", "status": "OPEN" } ]}

POST /api/v1/digitalnikiosk/bills/pay
{ "bill_id": "epcg_2026_03_xxx", "card_token": "tok_***" }

200 OK
{ "tx_id": "tx_98...", "status": "SETTLED", "rrn": "401234567890" }

Statement — export with paging

POST /api/v1/digitalnikiosk/statement
Authorization: Bearer <ACCESS_TOKEN>

{
  "from_date": "2026-01-01",
  "to_date": "2026-04-29",
  "categories": ["PARKING","UTILITY","TELECOM"],
  "format": "json",
  "page": 1, "page_size": 200
}

Errors:
401 token_expired -- refresh and retry
409 consent_revoked -- ask user to re-authorise
429 rate_limited -- back off (Retry-After header)

Webhook — parking expiry & bill paid

POST <your-callback-url>
X-DK-Signature: sha256=...

{
  "event": "parking.session.expiring",
  "session_id": "ps_2025...",
  "minutes_left": 15,
  "plate": "PG-AB-1234"
}

{
  "event": "bills.paid",
  "tx_id": "tx_98...",
  "biller": "Vodovod i kanalizacija DOO Podgorica",
  "amount_eur": 18.40
}

Compliance & privacy

Montenegro adopted PSD2-aligned rules in September 2022 with the Law on Amendments to the Law on Payment Transactions, and the country's commercial banks completed alignment by mid-2024. That gives any Digitalni Kiosk integration a clear legal footing: AIS-style read access and PISP-style payment initiation are both recognised, and the Central Bank of Montenegro publishes guidance through the CBCG FinTech Hub.

Beyond payments, the work has to respect Montenegro's Law on Personal Data Protection, which mirrors the GDPR principles familiar to EU teams: explicit consent, purpose limitation, data minimisation and a documented retention schedule. We design every integration with revocable consent, scoped tokens, encrypted storage and PCI-DSS-aligned card tokenisation so that no PAN ever touches the partner's infrastructure.

Data flow / architecture

The pipeline we ship is intentionally short and auditable, so every hop can be logged for the regulator:

1. Client app — a user grants scoped consent (parking, bills, statement).
2. Authorized API gateway — token issuance, rate limiting, signature validation.
3. Adapter layer — translates Digitalni Kiosk protocol to OpenBanking-style resources.
4. Storage — encrypted Postgres for transactions, S3-compatible cold storage for statements.
5. Egress — partner ERP, accounting tool or PFM consumes JSON / webhooks.

Deliverables checklist

• OpenAPI 3.1 specification covering parking, bills, top-up, statement and webhooks
• Protocol & auth report (login binding, token refresh, signature scheme)
• Runnable reference source in Python (FastAPI) and Node.js (Fastify)
• Postman collection + automated integration tests
• Compliance notes: PSD2 transposition, CBCG FinTech Hub, GDPR-aligned local law

Engagement workflow

1. Scope confirmation: which Digitalni Kiosk modules (parking, EPCG bills, top-up, statement, ticketing).
2. Authorized protocol analysis & API design (2–5 business days, complexity-dependent).
3. Build & internal validation against staged accounts (3–8 business days).
4. Documentation, sample apps and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; third-party approvals may extend timelines.

About the studio

We are an independent technical studio focused on App interface integration and authorized API integration for finance, mobility and utilities. The team has shipped protocol-analysis and OpenData/OpenFinance projects across the Balkans, the EU, the GCC and South Asia, with a particular comfort zone around PSD2-aligned wallets like Digitalni Kiosk.

• Source-code delivery from $300 — runnable API code & docs, paid after delivery upon satisfaction.
• Pay-per-call hosted API — usage-based pricing for teams that prefer not to host themselves.
• NDAs and customer-side authorization respected on every engagement.

Contact

For quotes, NDAs or to submit your target app and requirements, visit our contact page:

Contact page

Tell us which Digitalni Kiosk modules you need (parking, EPCG bills, telecom top-up, statement export, ticketing) and whether you prefer source-code delivery or pay-per-call.

FAQ

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