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Licensed partners
We work through licensed PISP and AISP partners. Clients use our network without holding a payment licence themselves. Compliance stays with the regulated party.
About bysepa
An independent Open Banking brand, built for Europe.
bysepa links European business to the bank network through one API. We are not a bank. We are not a card processor. We are the integration layer that makes Open Banking simple to ship.
Our mission
Give European teams one clean path to Open Banking.
The European bank API landscape is wide and uneven. Building each connection alone is slow. It is also costly.
bysepa removes that work. We run a single connection to the bank network. Our clients ship payment and account-data flows without the licence overhead. They focus on their product. We handle the plumbing.
How the model works
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One API, every market
A single integration reaches the European bank network. No separate deals per bank. No tangle of vendor APIs to maintain.
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Payments and data
We cover both sides of Open Banking. That means payment initiation and account information services, through the same clean interface.
Where we stand
What bysepa is
- A standalone Open Banking integration brand.
- A single API to the European bank network.
- Built for merchants, fintech, and B2B platforms.
- Aligned to PSD2 and built on GDPR-compliant practice.
What bysepa is not
- Not a bank or deposit-taking institution.
- Not a standalone PSP, EMI, or card processor.
- Not a direct bank-API contract you manage alone.
- Not a place that resells your transaction data.
Built for Europe
Our focus is the European market. Every part of the platform is shaped for it. That means PSD2 rules, local bank coverage, and account-to-account flows that settle faster than cards.
Our team comes from fintech, banking APIs, and payment infrastructure. We have felt the pain of fragmented rails first-hand. So we built the layer we wished we had.
WHAT WE BRING
Work with us
Ready to connect to the bank network?
Tell us what you are building. We will map the fastest route to live Open Banking flows for your business. No licence hunt required.
