01
One API to many banks
Europe's bank API landscape is split across many markets. We fold it into a single API. You build once. We keep the connections healthy.
About bysepa
An independent Open Banking brand for European business.
bysepa connects merchants and fintech platforms to Europe's bank network. We do it through one API. Behind that API sit licensed partners. So you ship Open Banking payments and account data without a licence of your own.
- What we are
- A standalone Open Banking brand. Not a bank. Not a card network.
- Where we work
- European markets, built around PSD2 rules and local bank APIs.
- How we deliver
- One API. Licensed PISP and AISP partners handle the regulated parts.
We make European Open Banking simple to adopt. One API, every market, no licence to chase.The bysepa mission
What we stand for
Five principles that shape the platform.
02
No PISP licence on your side
Getting a payment licence takes time and capital. With bysepa you skip that. Licensed partners hold the permissions. You stay focused on your product.
03
Payments and data in one place
We cover both sides of Open Banking. That means payment initiation and account information. Move money and read balances through the same API.
04
Built for European business
We are not a global catch-all. Our focus is European merchants and fintech. The platform is shaped around the rules and banks they meet every day.
05
A focused, neutral brand
We are not a bank. We are not a card acquirer. We are one thing: an Open Banking layer. That focus keeps our roadmap clear and our work honest.
06
Compliance handled at the root
PSD2 duties sit with the licensed partners we route through. We stay GDPR-aligned by design. We never train on or resell client data.
How the model works
The partner infrastructure
bysepa sits between you and a network of licensed providers. They hold the PISP and AISP permissions across European markets. We translate their many bank connections into one clean interface.
You integrate with bysepa. We route each call to the right regulated partner. The hard parts of compliance stay with people licensed to handle them.
The team behind it
bysepa was founded by people who have built bank APIs and payment rails before. They know how fragmented the European landscape can feel. They built the platform they wished they had.
The team works in the open. We share our method, our partners, and our limits. If a fact is not clear, we say so. That is how trust is earned.
Work with bysepa
See if our platform fits your roadmap.
Tell us about your market and your stack. We will show you the integrations that match. No licence hunt. No card fees. Just bank-grade Open Banking.
