Initiation
Direct bank payments
Trigger a payment from your customer's account in a few steps. Funds land in yours. No card network sits in the middle.
Open Banking payments
Payment initiation · European bank network
Account-to-account payments across Europe
bysepa initiates bank payments through one API. Money moves straight from your customer's account to yours. No cards. No new licence. We handle the bank connections. You handle your business.
What you get
One API. Real bank rails.
Payment initiation lets your customers pay direct from their bank. You skip card fees and long settlement waits. Here is the core.
Coverage
European bank reach
Connect to a wide European bank network through one contract. We map each market so your team does not have to.
Compliance
Licence handled for you
You need no PISP licence. Our licensed partners carry that load. The flow is PSD2-aligned and GDPR-compliant by design.
How a payment moves
From request to settlement.
01
Request
Your app calls the bysepa API with the payment details.
02
Consent
The payer approves the payment in their own bank app.
03
Initiation
Our partner submits the payment to the payer's bank.
04
Confirmation
You get a clear status back. The money is on its way.
Why teams choose us
Built for the problems you face.
The bank API landscape is fragmented across the EU. Licences take time and capital. We remove both blockers.
- One API to the European bank network. No per-bank deals.
- No PISP licence to obtain. Compliance runs through our partners.
- Lower cost than cards. Faster than SWIFT for many flows.
- We never train on or resell your transaction data.
Start integrating
See it work with your stack
Bring your use case. We map the banks and the flow. You ship faster, with compliance already in place.
