Balances
Real-time balance checks
Read a verified account balance straight from the bank. Confirm funds before you ship goods or release a payout.
Account Information Services
Read account data across Europe through one API
bysepa gives you secure access to bank account data. Get balances, transaction history, and ownership checks. We handle the bank connections and the AIS licensing through our partners. You build on a single, clean API.
What account information services cover
AIS lets you read bank data with the customer’s consent. Here is what you can request through the bysepa API.
Transactions
Transaction history
Pull dated, categorised transaction lists. Use them for affordability checks, reconciliation, or cash-flow views.
Identity
Account ownership checks
Match the account holder to your customer record. Cut fraud and stop misdirected payouts before they happen.
Coverage
One API, many banks
Reach the European bank network through one connection. No bank-by-bank deals. No separate contract per market.
How the data flow works
Three steps stand between a consent request and clean account data. We carry the regulated parts so your team does not have to.
- Your customer gives consent
- The user picks their bank and approves access. Consent is explicit and time-bound. They stay in control the whole way.
- We route through licensed partners
- bysepa connects to the bank through AISP-licensed partner infrastructure. You do not need your own AISP licence.
- You receive clean account data
- Balances and transactions arrive in one stable format. The same shape works across every market we cover.
01
02
03
No licence needed from you
Compliance handled through licensed partners
bysepa is not a bank. We do not take deposits. We also never train on or resell your customers’ transaction data. Access runs under PSD2 rules through AISP-licensed partners. You ship faster and stay clear of the licence overhead.
Start integrating
Put European account data to work
Talk to our team about your use case. We will map the right banks and partners, then get you live in days.
