For Merchants
Account-to-account · European bank network
Take bank payments without the bank fees
Cards are costly. Settlement is slow. bysepa lets you accept Open Banking payments straight from your customer’s bank. One API reaches the European bank network. You never need your own banking licence.
Why merchants switch
The old rails cost you on every sale
Lower cost per payment
Card schemes add a fee to every order. Bank payments move money direct. You keep more of each sale.
Money in faster
Card settlement can take days. Account-to-account transfers clear quickly. Your cash flow stays healthy.
Fewer failed checkouts
Customers approve the payment inside their own bank app. No card numbers. No expiry dates. Fewer drop-offs.
One vendor, not five
Bank APIs differ in every EU market. We join them behind a single API. You build once.
How it works
From integration to first payment
Connect the API
Add one integration to your checkout. Our partners hold the PISP licence, so the compliance work is already done.
Customer pays from their bank
The shopper picks their bank and approves the amount. The payment is initiated through PSD2-aligned bank rails.
Funds reach your account
Money moves account to account across the European network. You see each payment in a clean, single dashboard.
Scale across markets
Add new countries without new contracts. The same API grows with your business as you expand.
Merchant questions
What teams ask before they start
Do we need a banking or PISP licence?
No. bysepa works through licensed partners. They hold the PISP and AISP permissions. You stay a merchant, not a bank.
Is bysepa a bank or a card acquirer?
Neither. We are a standalone Open Banking brand. We connect you to bank rails. We do not take deposits or issue cards.
Which markets do you cover?
We focus on European bank networks. One API reaches many banks across the region. Ask us about a specific country.
Is it built for compliance?
Yes. The flow is PSD2-aligned and GDPR-compliant. Partner infrastructure carries the regulatory load for you.
Ready to cut your payment costs?
Tell us about your checkout and your markets. We will map the fastest path to Open Banking payments for your business.
