Open Access Connect

Securely connect to your ERP system

What is Open Access?

Key Features & Benefits

! The data feed connection is one-way, pulling information from Business Online Banking into your ERP system.

Open Access Connect is a solution that securely links your ConnectOne accounts in Business Online Banking directly to your enterprise resource planning (ERP) systems such as Sage, NetSuite or Intuit.

This service is intended to replace "screen scraping" with a more secure, consent-based method of sharing data.

More Security

Your credentials stay with ConnectOne, so third-party apps never see it.

Client Control

You have the ability to choose what information is shared.

Built for Safety

The system utilizes secure connections and advanced security features to ensure all data is protected.

Important Information Regarding Open Access

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QUICK LINKS

Managing User Entitlements

Troubleshooting

What is screen scraping

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Reauthentication

If you are already connected to certain 3rd party systems such as Sage and NetSuite, within roughly 30-60 days, you will need to re-authenticate the secure connection.

Open Access Connect is not available everywhere

Open Access Connect is configured for several common partners, such as Plaid. However, if a 3rd party vendor is using other partners, clients will be able to connect their accounts regardless of whether or not they are entitled to Open Access Connect in Business Online Banking.

Selective User Access

Only the primary Admin in your Business Online Banking will have “Open Access Connect” enabled. Other users will have to request access from any Administrator on the account. Click here to see how to entitle other users.

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What systems does Open Access work with?

Open access is available for the following ERP systems:

Aggregators are the "middle layer" embedded within ERP systems (such as Sage, Xero and NetSuite) used to connect your bank accounts to your ERP system. Current aggregator partners include:

The data feed connection is one-way, pulling information from Business Online Banking into your ERP system.

Screen Scraping vs Open Access

Screen scraping in banking is a technique where a third-party app uses a user's banking login credentials to access their account and copy data.

Feature	Screen Scraping (Old Method)	Open Access Connect (New API/Token)
How Data is Shared	The third-party app (like a budgeting app) ask for your bank username and password. It then uses a bot to log in, look at the screen, and "scrape" the data.	You are redirected to ConnectOne Bank's secure bank login page, then grant specific permission. We send the data directly to the app using a special, temporary code (an API token).
Security & Credentials	The third-party app stores your full bank login information. This is a security risk if the app is breached.	The app never sees or stores your login information. It only gets a temporary "token" that ConnectOne can turn off at any time.
Data Control	Low Control: The app sees everything you can see when you log in (even things you don't want to share).	High Control: You get to choose exactly which accounts and which types of data (balances, transactions) you want to share.
Reliability	Unreliable: If ConnectOne Bank changes its website layout, the "scraper" bot breaks, and your connection fails.	Highly Reliable: The data connection is stable because it uses a direct, secure path (API) built specifically for this purpose.
Revocation	You have to change your bank password to cut off the third-party app's access.	You can easily revoke access through your Business Online Banking settings or the third-party app's settings at any time.

Managing Open Access Entitlement

The Primary Admin will be the only client within your business to be set up with access to Open Access Connect. Other users will receive an "error" when trying to relink accounts. In order to avoid any interruptions, we encourage any Administrator to enable those who will need access.

1

Navigate to the 'Administration' tab and select 'Company Administration' from the dropdown. Then click on the 'Manage Users' tab.

2

Scroll down to Manage Exisiting Users and select the user you would like to update the entitlement for.

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Within the individual user's profile, scroll down to find the Services & Accounts and click the icon to view and edit current entitlements.

4

Under Edit Services and Accounts, locate the Open Access Connect entitlement.

Select the accounts that you would like this user to have access to connect with Open Access.

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Don't forget to scroll to the bottom and click Save Changes after successfully updating permissions.

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Troubleshooting Open Access Issues

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Can't get past OTP?

Check that the Open Access Connect entitlement is enabled at BOTH the company and user level.

Can't see all of your accounts?

Verify that the accounts are enabled for Information Reporting for the user.

Not seeing your phone number for OTP?

Re-verify your login credentials and that you selected “ConnectOne Bank Business”. You should be prompted to follow the same process as logging directly into BeB.

Account(s) not refreshing (single user)?

Work directly within the third-party application. The app has troubleshooting steps to follow, and then will reach out to the aggregator if escalation is required.