E-commerce
Account-to-account checkout
An online merchant adds pay-by-bank at checkout. Shoppers confirm the payment in their banking app, funds clear directly, and the merchant sidesteps card fees and chargeback exposure on every order.
Case studiesOpen Banking · in practice
How teams use bysepa
Open Banking, put to work
Open Banking solves the same problems in different shapes across industries. The scenarios below show how European businesses build on the bysepa API — what they connect, what changes for their customers, and where account-to-account payments and account data earn their place. Each one reflects a pattern we support today.
Scenarios
Four ways businesses build on bysepa
These are the integration patterns we see most often. Each maps to a clear product goal and a measurable change for the people using it.
Marketplaces
Faster seller payouts
A marketplace pays sellers directly to their bank accounts. Account verification confirms the destination before money moves, so payouts arrive quickly and support tickets about failed transfers fall away.
Lending
Income and affordability checks
A lender reads consented account data to verify income and assess affordability in minutes rather than days. Decisions rest on real transaction history instead of self-reported figures and slow document uploads.
Subscriptions
Recurring collection
A subscription business collects recurring payments straight from customer accounts. Bank-rail collection cuts the cost per charge and reduces the involuntary churn that comes with expired or declined cards.
The common thread
What every integration shares
01
One integration
Each team connects a single API and reaches banks across Europe. No per-bank build work, no separate contract for every market they enter.
02
Compliance handled
Licensed partners hold the PISP and AISP permissions, so the regulatory weight sits with the experts and the product team stays focused on shipping.
03
Built for Europe
Every flow is GDPR-compliant and PSD2-aligned by design, so expanding into a new European market does not mean rebuilding the payment stack.
Your scenario next
Let's map your use case
Bring the problem you are trying to solve. We will walk through how account-to-account payments and account data fit your product, and what a first integration would look like.