Payment initiation
Account-to-account payments
Start payments straight from a customer's bank account. Funds clear fast. Fees stay low. You skip the card networks and the delays that come with them.
The platformSingle API · European bank network
Open Banking infrastructure
One API to the European bank network
bysepa connects your product to banks across Europe through one clean API. Licensed partners hold the rails. You keep your focus on the product. No PISP licence. No web of direct bank deals.
Two services, one API
Move money and read accounts from one place
The platform covers both halves of Open Banking. You use one API and one contract. We route the rest.
Account information
Verified account data
Read balances and transactions with the user's consent. Confirm identity. Check funds before a payment. The data flows through the same trusted API.
How it works
Three steps from sign-up to live
01
Connect once
Integrate one API. It reaches the whole European bank network behind it. No per-bank build work.
02
We hold the licence
Our licensed partners carry the PISP and AISP permissions. You ship without the regulatory overhead.
03
Go live and scale
Launch payments and account data in days. Add markets as you grow. The platform scales with you.
Why teams build on bysepa
Built for merchants and fintech in Europe
One API, many banks
A single API reaches the European bank network through licensed partner tools. One vendor instead of many.
No PISP licence needed
Compliance runs through our partners. PSD2 duties stay with the experts. Your team stays lean.
Made for Europe
The platform is built for European markets. It is GDPR-compliant and PSD2-aligned by design.
Your data stays yours
We are not a bank and not a card processor. We never train on or resell your transaction data.
Ready when you are
See the platform on a discovery call
Walk through payment initiation and account data with our team. Bring your use case. We will map it to the platform.
