PIS
Payment initiation
Move money bank to bank in real time. Skip card fees and slow settlement. Each payment is signed by the payer's own bank.
One API · European bank networkREST · OAuth2 · webhooks
API Integrations
One API for European Open Banking
bysepa gives you a single API for the European bank network. You initiate payments and read account data through licensed partners. No PISP licence needed. We handle the compliance layer for you.
What one integration covers
Three core services sit behind the same API. Build once. Reach banks across the EU.
AIS
Account information
Pull balances and transaction history with user consent. Use it to verify accounts, run checks, or power your own product.
Network
One bank network
Connect to many banks through a single endpoint. We map the quirks of each market. You keep one clean contract.
How you go live
A short path from first call to production. Most teams ship in days, not months.
01
Connect
Get sandbox keys and call the API. No bank contracts to chase.
02
Authenticate
Redirect users to their bank. They approve with their own login.
03
Initiate
Start a payment or a data pull. Track each step through webhooks.
04
Reconcile
Match settled funds and consents. Reporting stays in one place.
Built on standards
Compliance handled for you
- PSD2-aligned. Flows follow the EU Open Banking rules. Strong customer checks are built in.
- GDPR-compliant. Account data moves only with clear user consent. You stay on the right side of it.
- Licensed partners. The regulated PISP and AISP work sits with our partners. You skip the licence.
Built for
Teams that ship fast
- Merchants. Take account-to-account payments with lower fees. See funds clear faster.
- Fintech platforms. Add Open Banking to your product without a banking licence of your own.
- B2B businesses. Read account data and pay out across the EU through one clean contract.
Ready to build on the bysepa API
Tell us what you want to ship. We map the right banks and partners for your markets. Then we get you to a working sandbox.
