Ways of using Dapi APIs

There are multiple options of how to move forward with exploring or integrating Dapi's APIs.


Not a developer?

You can also explore Dapi's APIs without integration. Follow the instructions for our Postman Collection. Be aware that setting up the Connect Layer will still be required!

Integrating Dapi API with your system


The easiest way to integrate with Dapi and start retrieving user data or accepting payments is by using one of Dapi's Client SDKs.

Why should you prefer SDK integration?

:white-check-mark: The SDKs offer a level of abstraction and take care of the majority of the overhead of integration.

:white-check-mark: The SDKs have built-in logic and user interfaces to automatically handle more complex scenarios like asking for an OTP/Captchas/Secret Questions from the user when needed. When using direct API calls you would be responsible for implementing the logic on your own.

:white-check-mark: The SDKs have a built-in feature of being able to queue your API calls.

:white-check-mark: The SDKs support caching. Caching allows users to link their bank accounts once without the need to do the linking process every time.

:white-check-mark: Some SDKs provide you with optional front-end features, allowing you to have a quicker integration. (This includes screens for displaying Accounts selection or Amount specification during transfer)

:white-check-mark: The required Connect Layer for login is already set up within the SDK. You will not need to set it up separately.

:white-check-mark: The SDKs automatically handle retrieving user's permanent accessToken upon successful login.

For further details:


You can also integrate with Dapi by setting up the Connect Layer and using the Dapi API directly or using one of the API Server-Side Libraries.

However, that means you will need to handle error cases and additional logic, which is otherwise handled by the SDKs:
:warning: You will need to make sure that all API calls are set up with a correct request body and headers.

:warning: You will need to take care of the flow of asking user inputs (OTPs, MFAs, Secret Questions, Captchas) from the user.

:warning: The queuing of API calls will need to be handled by you.

:warning: You will be required to use the Connect Layer - Quickstart that is provided by us. You will need to set it up.

:warning: The Connect Layer is the only front-end piece provided by Dapi, you will need to take care of the rest of the front-end features.

:warning: You will need to exchange a user's temporary accessCode for a permanent accessToken upon
successful login in the Connect Layer.

For further details:

Dapi API Sandbox environment

You can test any integration with Dapi in our sandbox environment.
For the necessary set-up instructions refer to the Get Started with Sandbox documentation.