The platform
Payments and account data, in one place
Start a bank payment or read live account data. Both run through the same bysepa API. One contract. One build.
Payment initiationAccount information
bysepa platformEuropean bank networkOpen Banking infrastructure
Single API · European bank network
Open Banking integrations built for European business
Built for European merchants, fintech platforms, and B2B teams. Get reliable Open Banking payments and account data.
- Payment initiation and account data
- PSD2-aligned and GDPR-compliant
The bysepa platform
One API to every European bank.
bysepa links you to bank payments and account data across Europe. You ship through one API.
Explore the platform
Live in days, not months
Connect once and start moving money. No long build, no bank-by-bank deals. You stay focused on your product.
Pan-European coverage
Reach banks across the European market through one link. Add countries as you grow. No new contracts each time.
Compliance, handled
PSD2 is the EU payment law. We keep your payment and data flows aligned with it. You just keep building.
Bank coverage
Do we reach your banks? Yes.
bysepa connects to banks across Europe through one API. Your customers pay from the account they already use. No new bank deals on your side.
2,000+ banks reachable · 30 European markets · One API
- Deutsche Bank
- BNP Paribas
- Santander
- ING
- UniCredit
- Commerzbank
- ABN AMRO
- KBC
- BBVA
- Société Générale
- Nordea
- Revolut
A sample of supported banks across the EEA.
Measured, not marketed
Europe’s banks, one connection
Here is what a single integration puts within reach.
2,300+
European banks in one connection
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Markets live across the EU and UK
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Account-to-account settlement, end to end
Card rails still take up to 2.9% per sale. They settle in 2–3 days. We clear in seconds.
See how settlement worksBuilt for developers
Start a payment in one request.
Send one POST to the bysepa API. We route it to the right European bank. Your customer approves in their banking app. Money settles over SEPA Instant.
- One API to the European bank network.
- Payments and account data share one API.
POST /v1/payment-initiationsAuthorization: Bearer sk_live_3xK9…Content-Type: application/json { "amount": { "currency": "EUR", "value": "49.00" }, "creditor": "Acme Europe GmbH", "scheme": "SEPA Instant", "reference": "Invoice 2026-0412"}201 CreatedAUTHORISEDsettles instantly
Client and partner voices
Trusted by the teams moving money across Europe.
Merchants, fintechs, and platform teams build on bysepa. Here is what they tell us.
Merchant01
bysepa just works. We moved our checkout to bank payments last year. Money lands fast. Nothing has dropped since. Our checkout feels boring now, and that is the best praise I can give.
Fintech platform02
We went live in nine days. One API reached every bank we needed. That saved us months of work.
Integration partner03
bysepa knows the rules cold. They route our payment flows with real care. They stay their own brand, and they never touch data they should not. Partners like this are rare.
Insights & guides
All articles Open Banking, in plain terms.
We write about payments, PSD2, and bank APIs. Clear notes for teams who build.
AML Checks Explained: Process, Documents, Risks, and Best Practice
Learn what AML checks are, how KYC works, what documents firms need, check times, risk signs, monitoring, and penalties for weak controls.
Read more
Merchant Accounts and Payment Gateways, Explained Simply
Learn what a merchant account provider does, how merchant accounts work, and how gateways differ. Compare fees, fraud tools, support, and key benefits.
Read more
KYC and AML Explained: Differences, Steps, and Best Practices
Learn the difference between KYC and AML, key compliance steps, CDD, EDD, SARs, monitoring, risks, and new tools for financial crime control.
Read moreStart integrating
One integration. Every European bank.
bysepa is one API for European payments and account data. You connect once and go live in days. No bank-by-bank deals. No red tape.
GDPR-compliant · PSD2-aligned · European by design
- Live in days
- Connect once and start sending payments.
- One API integration
- Reach Europe’s banks through one integration.
- Payments and data
- Move money and check accounts from one place.
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