bysepa — For FintechOpen Banking infrastructure
Built for fintech teams
Open Banking infrastructure for fintech.
Fintech platforms need reliable bank connectivity. Few want the cost of acquiring a licence. bysepa is the single API connection to the European bank network. You build the product. We carry the rails and the compliance.
Why fintech teams choose us
Ship faster on rails you do not have to own.
We are a standalone Open Banking brand. Not a bank. Not a card acquirer. That focus keeps the integration clean and the time-to-market short.
One API, every market
The EU bank API map is fragmented and costly to cross alone. bysepa hands you a single connection to the European bank network. You wire up once. We keep the connections live.
No PISP licence needed
Getting your own PISP or AISP licence eats time and capital. With bysepa you skip it. Compliance and PSD2 duties run through our licensed partners.
Payments and data, together
We cover both sides of Open Banking. Initiate account-to-account payments and read account information through the same clean integration.
The problems we remove
Less overhead. Fewer vendors. Lower cost.
Fragmented bank APIs
Each EU market exposes its own bank rails. We unify them behind one contract so your team stops chasing connectors.
High card and SWIFT fees
Legacy rails carry steep fees and slow settlement. Account-to-account flows cut cost and speed up money movement.
Vendor sprawl
Stitching many providers together adds risk and overhead. One bysepa integration replaces that stack.
PSD2 compliance load
Most teams lack in-house regulatory depth. Our partner network already holds the licences you would otherwise build.
How it works
Three steps to live payment flows.
Connect once
Drop in our developer-friendly API. One integration reaches the full European bank network.
We handle compliance
Licensed partners carry the PISP and AISP duties. You ship without the licence overhead.
Scale with demand
Open Banking infrastructure that grows with you. Add markets and flows as your product expands.
Start building
Bring Open Banking to your product.
Tell us about your markets and the flows you need. We will map the right partner setup and show you a clean path to launch.
