Terms of use


General Terms

These Terms and Conditions regulate the use of the D Bank’s PSD2 APIs (the API) and

Developer’s Portal (the Portal) that provide the following API

       Account Information Service API

       Payment Initiation Service API

       Conformation of Funds Service API

       Consents Service API

D Bank in the context of these Terms and Conditions means D Commerce Bank AD with registered office at 8, Totleben Blvd, Sofia, 1606, Bulgaria.

By using the API and Developer Portal you certify that you have read and understood the Terms and Conditions and agree to its terms. D Bank may change the content or services found on the Portal at any time without notice, and consequently our Terms and Conditions may change at any time in the future. You agree to revisit this page regularly and your unremitting access to or use of the Portal and the API will mean that you agree to the changes.


Registration to the Portal

You must register through the website at https://developer.dbank.bg for access to the Portal and https://api.dbank.bg for access to the API. In order to provide you with access to the Portal collection and processing of the personal data as per our Developer’s Privacy Policy.

Any information that you provide in connection with your registration must be correct and complete, and you are responsible for maintaining such information up-to-date and accurate throughout the term of your registration. Upon successful registration, you may be provided with access credentials, passwords and other account information (the “Credentials”). The Credentials are, and will remain, the property of D Bank and you are granted a nontransferable license to use the Credentials for the sole purpose of participating in the Portal. You must keep the Credentials confidential and may not sell, transfer, sublicense, or otherwise disclose your Credentials to any other person or for any other purpose. If you become aware or if you suspect that the confidentiality of your Credentials has been compromised, you are obliged to inform D Bank without undue delay. You must not attempt to circumvent or modify any Credentials or other security mechanism  D Bank provides support service. You can contact our helpdesk 24/7.


Terms of Use

You are responsible for all activities that occur under usage of your Credentials, regardless whether undertaken by you or someone else. You are obliged to comply with all legal requirements and refrain from creating content that is unlawful or otherwise objectionable, or any content that may be construed as such.

You are prohibited from and you will not engage particularly in any of the following activities: 

a.  reverse engineer, disassemble, reconstruct, unmask, reverse assemble or decompile any object code of the platform, any D Bank’s test data, API or any other data provided by D Bank in connection with the Portal and the API;

b.  attempt unauthorized access to, or use of, D Bank‘s services or systems; 

c.  damage, disrupt, or otherwise negatively affect the operation of D Bank’s services or systems including but not limited to intentionally or negligently overloading D Bank’s network or conducting denial of services attacks, finding or exploiting vulnerabilities in D Bank’s security; 

d.  generate unnecessary or excessive calls or volumes of activity on or through API;

e.  engage in any activity that prevents any other developer from using the Portal or the API; 

f.   use any robot, spider, site search or other application to retrieve or index Portal;

g.  use any robot, spider, or other automatic device to create accounts on Portal;

h.  collect information about other developers;

i.    introduce any viruses, worms, trojans, webbots, trapdoor or other malicious code;

j.    disable, hack disrupt, damage or interfere with the Portal or the API;

k.  use the Portal and the API in a manner that may be regarded as being false or misleading to us;

l.    distribute, disclose, publish, market, sell, rent, lease, sublicense or assign to any third party any information to which you have access via Portal without prior express consent of D Bank;


A violation of any of the foregoing may result in the immediate termination of your access to the Portal and the API.


Termination of your Registration

D Bank may suspend or terminate your right to access or use the information in case you violate these Term and Conditions or you suffer a security breach that impacts on the confidentiality or integrity of the Portal and the API at any time without prior notice. Your registration will automatically terminate if you breach any of these Terms and Conditions. Upon termination, any rights which are granted to you under these Terms and Conditions will automatically cease.


Information on personal data processing  

In order to provide you with access to the Portal collection and processing of your personal data, especially your name, surname and e-mail address is necessary. Processing of such personal data is conducted exclusively for the purpose of your registration, provision of access to the Portal and related communication. Without provision of such data registration and access to the Portal are not possible.  

In addition to these Terms and Conditions the Developer’s Privacy Policy shall apply.


Governing law

This Terms and Conditions and the relationship between you and D Bank are governed by and interpreted in accordance with the laws of the Bulgarian Republic and the courts of the above jurisdiction will have exclusive jurisdiction in respect of any dispute, which may arise.