Generate JWT access token
POST /api/auth/token
POST https://api.fypay.me/api/auth/tokenAuthenticate with the X.509 client certificate + credentials (clientId/clientSecret) and receive a JWT token. The token lifetime comes in the expires_in field (in seconds): use that value to renew the token before it expires, instead of assuming a fixed duration.
Authentication (mTLS)
This route requires mTLS: the client certificate issued by FyPay is presented in the TLS handshake, not in an HTTP header. Use the native client certificate mechanism of your HTTP library (for example, curl --cert client.crt --key client.key).
- The certificate is PEM, RSA 2048, valid for 2 years and bound to your account.
- mTLS is required only on this route. All other routes use
Authorization: Bearer <token>, without a certificate.
Do not send the certificate in HTTP headers: that model is not accepted. Without the certificate in the handshake, the API responds 400 with PUB_CERT_HEADER_MISSING.
Request Body
| Field | Type | Required | Description |
|---|---|---|---|
clientId | string (UUID v4) | Yes | Client ID generated in the dashboard (https://banking.fypay.me), under Settings → Credentials |
clientSecret | string | Yes | Client secret generated together with the clientId. It is shown only once in the dashboard. Must not be empty |
{
"clientId": "6967c0a0-3566-48d0-8c13-717038b52279",
"clientSecret": "YOUR_CLIENT_SECRET"
}cURL Example
curl -X POST https://api.fypay.me/api/auth/token \
--cert ./client.crt \
--key ./client.key \
-H "Content-Type: application/json" \
-d '{
"clientId": "YOUR_CLIENT_ID",
"clientSecret": "YOUR_CLIENT_SECRET"
}'Code Examples
const https = require('https');
const fs = require('fs');
const axios = require('axios');
const httpsAgent = new https.Agent({
cert: fs.readFileSync('./client.crt'),
key: fs.readFileSync('./client.key'),
});
const response = await axios.post(
'https://api.fypay.me/api/auth/token',
{
clientId: process.env.FYPAY_CLIENT_ID,
clientSecret: process.env.FYPAY_CLIENT_SECRET,
},
{ httpsAgent },
);
console.log('Token:', response.data.access_token);
console.log('Expires in:', response.data.expires_in, 'seconds');import os
import requests
response = requests.post(
'https://api.fypay.me/api/auth/token',
json={
'clientId': os.environ['FYPAY_CLIENT_ID'],
'clientSecret': os.environ['FYPAY_CLIENT_SECRET'],
},
cert=('client.crt', 'client.key'),
)
response.raise_for_status()
data = response.json()
print(f"Token: {data['access_token']}")
print(f"Expires in: {data['expires_in']} seconds")<?php
$ch = curl_init('https://api.fypay.me/api/auth/token');
curl_setopt_array($ch, [
CURLOPT_POST => true,
CURLOPT_RETURNTRANSFER => true,
CURLOPT_SSLCERT => __DIR__ . '/client.crt',
CURLOPT_SSLKEY => __DIR__ . '/client.key',
CURLOPT_HTTPHEADER => ['Content-Type: application/json'],
CURLOPT_POSTFIELDS => json_encode([
'clientId' => getenv('FYPAY_CLIENT_ID'),
'clientSecret' => getenv('FYPAY_CLIENT_SECRET'),
]),
]);
$response = curl_exec($ch);
curl_close($ch);
$data = json_decode($response, true);
echo "Token: " . $data['access_token'] . "\n";
echo "Expires in: " . $data['expires_in'] . " seconds\n";using System.Net.Http.Json;
using System.Security.Cryptography.X509Certificates;
var certificate = X509Certificate2.CreateFromPemFile("client.crt", "client.key");
var handler = new HttpClientHandler();
handler.ClientCertificates.Add(certificate);
using var client = new HttpClient(handler);
var response = await client.PostAsJsonAsync(
"https://api.fypay.me/api/auth/token",
new
{
clientId = Environment.GetEnvironmentVariable("FYPAY_CLIENT_ID"),
clientSecret = Environment.GetEnvironmentVariable("FYPAY_CLIENT_SECRET"),
});
response.EnsureSuccessStatusCode();
Console.WriteLine(await response.Content.ReadAsStringAsync());package main
import (
"bytes"
"crypto/tls"
"encoding/json"
"fmt"
"net/http"
"os"
)
func main() {
cert, err := tls.LoadX509KeyPair("client.crt", "client.key")
if err != nil {
panic(err)
}
client := &http.Client{
Transport: &http.Transport{
TLSClientConfig: &tls.Config{Certificates: []tls.Certificate{cert}},
},
}
body, _ := json.Marshal(map[string]string{
"clientId": os.Getenv("FYPAY_CLIENT_ID"),
"clientSecret": os.Getenv("FYPAY_CLIENT_SECRET"),
})
resp, err := client.Post("https://api.fypay.me/api/auth/token", "application/json", bytes.NewReader(body))
if err != nil {
panic(err)
}
defer resp.Body.Close()
var data map[string]any
json.NewDecoder(resp.Body).Decode(&data)
fmt.Println("Token:", data["access_token"])
fmt.Println("Expires in:", data["expires_in"], "seconds")
}import java.io.FileInputStream;
import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;
import java.security.KeyStore;
import javax.net.ssl.KeyManagerFactory;
import javax.net.ssl.SSLContext;
char[] password = System.getenv("FYPAY_KEYSTORE_PASSWORD").toCharArray();
KeyStore keyStore = KeyStore.getInstance("PKCS12");
try (FileInputStream in = new FileInputStream("client.p12")) {
keyStore.load(in, password);
}
KeyManagerFactory kmf = KeyManagerFactory.getInstance(KeyManagerFactory.getDefaultAlgorithm());
kmf.init(keyStore, password);
SSLContext sslContext = SSLContext.getInstance("TLS");
sslContext.init(kmf.getKeyManagers(), null, null);
String body = String.format(
"{\"clientId\":\"%s\",\"clientSecret\":\"%s\"}",
System.getenv("FYPAY_CLIENT_ID"),
System.getenv("FYPAY_CLIENT_SECRET")
);
HttpClient client = HttpClient.newBuilder().sslContext(sslContext).build();
HttpRequest request = HttpRequest.newBuilder()
.uri(URI.create("https://api.fypay.me/api/auth/token"))
.header("Content-Type", "application/json")
.POST(HttpRequest.BodyPublishers.ofString(body))
.build();
HttpResponse<String> response = client.send(request, HttpResponse.BodyHandlers.ofString());
System.out.println(response.body());FyPay delivers the certificate as PEM (client.crt + client.key). If your platform requires a .pfx/.p12 file (common in Java and some Windows/.NET environments), convert it locally:
openssl pkcs12 -export -in client.crt -inkey client.key -out client.p12The conversion happens on your machine; FyPay does not provide PFX files.
Response (201)
| Field | Type | Description |
|---|---|---|
access_token | string | JWT token for the Authorization: Bearer <token> header |
token_type | string | Always Bearer |
expires_in | number | Token lifetime in seconds. Renew before it expires based on this value |
scope | string | Token scope |
{
"access_token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...",
"token_type": "Bearer",
"expires_in": 600,
"scope": "email profile"
}Errors
| Status | Code | Description |
|---|---|---|
| 400 | PUB_CERT_HEADER_MISSING | Client certificate not presented in the TLS handshake |
| 400 | PUB_CERT_MALFORMED_PEM | Certificate in invalid PEM format |
| 400 | PUB_REQUEST_BODY_INVALID | Invalid body (e.g. clientId is not a UUID v4, empty clientSecret, extra fields). The offending fields are listed in details.violations |
| 401 | PUB_INVALID_CREDENTIALS | Invalid clientId/clientSecret |
| 401 | PUB_CERT_NOT_VERIFIED | The certificate could not be verified on the connection |
| 401 | PUB_CERT_NOT_REGISTERED | Certificate not registered |
| 401 | PUB_CERT_EXPIRED | Certificate expired |
| 401 | PUB_CERT_NOT_YET_VALID | Certificate is not yet within its validity period |
| 403 | PUB_CERT_NOT_AUTHORIZED_FOR_ACCOUNT | Certificate is not bound to the account of the credentials |
| 502 | PUB_AUTH_UPSTREAM_ERROR | Unexpected error in the authentication service |
| 503 | PUB_AUTH_UPSTREAM_UNAVAILABLE | Authentication service temporarily unavailable. Try again |
{
"statusCode": 401,
"timestamp": "2026-04-17T15:24:28.809Z",
"path": "/api/auth/token",
"method": "POST",
"code": "PUB_INVALID_CREDENTIALS",
"message": "Invalid credentials provided",
"userMessage": "Invalid credentials.",
"errorId": "75d7999d6d7656b737e83435ced86ec6"
}For a complete authentication guide with token renewal patterns, see Authentication Guide.