Built for platforms
Open Banking your platform can embed
You run the platform. We run the bank network. bysepa lets marketplaces and SaaS products add account-to-account payments and bank-data inside their own product. The PSD2 work sits with our licensed partners. You ship the feature.
- PSD2-aligned · GDPR-compliant
- No PISP licence required from you
- Payments and account data in one API
Why platforms pick bysepa
One integration, not a stack of vendors
The bank API map across Europe is wide and uneven. We fold it into a single connection your engineers can reason about.
01
Skip the licence
Getting a PISP or AISP licence takes time and capital. Our partners hold those licences. You build on top and go live far sooner.
02
One contract, many banks
Stop signing direct bank API deals one by one. A single bysepa contract reaches the European bank network through vetted partners.
03
Payments and data together
Initiate account-to-account payments and read account information from the same API. No second integration. No second vendor.
04
Lower cost per flow
Cards and SWIFT carry high fees and slow settlement. A2A rails cut both. Your end customers pay direct from their bank.
05
Compliance handled
PSD2 duties need specialist knowledge most teams lack. That burden moves to the licensed partners behind the network.
06
Scales with you
Start with one market and one flow. Add countries and use-cases on the same connection as your platform grows.
What you can embed
Two services, one connection
Payment initiation
- Account-to-account checkoutLet customers pay straight from their bank at checkout, billing, or top-up.
- Faster settlementA2A flows clear quicker than card rails, so cash reaches you sooner.
- Lower fees per transactionSkip card scheme costs on flows that suit a direct bank payment.
Account information
- Verified account dataRead balances and transaction history with the account holder's consent.
- Onboarding and risk checksConfirm account ownership and funds before you let a flow proceed.
- No screen scrapingData comes through PSD2 bank interfaces, not fragile workarounds.
Common questions
What platform teams ask first
Do we need our own licence?
No. The PISP and AISP licences sit with our partners. You build on the bysepa API without taking on that regulatory weight yourself.
Is bysepa a bank or a PSP?
Neither. We are a standalone Open Banking brand. We are not a bank, not an EMI, and not a card processor. We connect you to licensed providers.
What about our customers' data?
Account data moves only with the account holder's consent. We do not train on or resell your transaction data. The work is GDPR-compliant.
Talk to us
Bring Open Banking inside your product
Tell us about your platform and the markets you serve. We will walk through the bank coverage, the flows that fit, and how the partner network handles compliance.
