Merchants
Take bank payments straight at checkout. Money lands fast and fees stay low. Skip the card networks. Cut chargebacks and give buyers a clean way to pay.
For merchantsUse cases
Payments · Account data · Pan-European
One Open Banking API for many jobs
bysepa connects you to bank payments and account data across Europe. Merchants take money. Fintech teams build new products. Platforms add banking to their stack. One API serves them all. No PISP licence needed on your side.
Who builds on bysepa
Built for the teams that move money.
The same API fits very different jobs. Here is how each kind of team puts it to work.
Fintech platforms
Ship new money products without a banking licence. Read account data and start payments through one link. We handle the bank rails. You handle the product.
For fintechPlatforms & B2B
Add banking to the tools your users already run. Embed payments and account checks inside your own product. One contract covers the whole European market.
For platformsTwo services, one API
Move money or read the account.
Every use case maps to one of two flows. Both run through the same bysepa API, on the same contract.
Payment initiation
Take a bank payment
Start a payment right from the bank account. Good for checkout, invoices, top-ups and payouts. The buyer approves in their own bank app. You get fast, final settlement.
- Pay-by-bank at checkout
- Invoice and bill settlement
- Wallet top-ups and account funding
Account information
Read account data
Pull live balance and transaction data with user consent. Good for onboarding, risk checks and money tools. The data is fresh, straight from the bank.
- Income and balance checks
- Account verification on signup
- Spending and budgeting views
From idea to live
How a use case goes live.
The path is short. Most teams move from first call to live in days, not months.
Scope the flow
We map your job to payments, account data, or both. You get a clear plan.
Connect once
Link to the bysepa API. One build reaches the whole European bank network.
Compliance, handled
Our licensed partners cover the PISP side. You skip the licence work.
Go live
Ship to real users. Add more countries and flows as you grow.
Tell us the job. We will map the flow.
Bring your use case. We show you the fastest path to live across Europe. No licence to chase. One API to build.
