01
Payment initiation
Start bank transfers straight from your product. Funds move account to account. You skip card fees and long settlement waits. This is the PIS half of Open Banking.
Integrations
PSD2-aligned · GDPR-compliant
One connection to the European bank network.
bysepa gives you a single API to banks across Europe. Move money and read account data through one link. No PISP licence needed. Compliance runs through our licensed partners.
What you can connect
Two services, one API.
02
Account information
Read balances and transactions with user consent. Verify income. Power smarter checkout and billing. This is the AIS half, and it replaces fragile screen scraping.
03
European bank network
Reach banks across EU markets through one contract. Add new countries as you grow. No bank-by-bank deals. No new wiring each time you expand.
How it works
From first call to live in days.
1
Connect the API
Integrate one API. Clear docs guide your team. No banking licence required on your side.
2
Pick your markets
Choose the countries you serve. Our partner network covers the banks behind them.
3
Stay aligned
We keep your flows PSD2-aligned. Partners hold the licences. You keep building your product.
4
Go live
Launch in days, not months. Move money and read data from day one. Scale on your terms.
Trust and coverage
PSD2-aligned.
Your payment and data flows follow the EU payment law. Our licensed partners carry the regulatory load.
GDPR-compliant.
Account data moves with user consent. We do not train on or resell your customers' financial data.
One contract.
A single agreement covers the bank network. No separate deal per bank. No licence to acquire yourself.
Ready when you are
See the integration in your own stack.
Tell us which markets and services you need. We will map the fastest path to going live. Built for merchants, fintech platforms, and B2B businesses across Europe.
