One API to Rule All European Banking
Connect to 4,000+ Banks Through a Single, Unified Platform
The complexity of Open Banking shouldn't limit your innovation. Our platform abstracts away the challenges of multiple standards, varying APIs, and complex regulations, giving you simple, reliable access to the entire European banking ecosystem.
Complete PSD2 Compliance Suite
Built-in compliance features ensuring full regulatory adherence across all European jurisdictions
Strong Customer Authentication (SCA)
Complete SCA implementation with multi-factor authentication support, biometric integration, and dynamic linking for payment transactions.
SCA Features:
- Multi-factor authentication flows
- Biometric authentication support
- Dynamic linking for payments
- Exemption handling (low-value, trusted beneficiaries)
- Fallback authentication methods
Consent Management
Comprehensive consent lifecycle management with granular controls, validity tracking, and automated renewal workflows.
Consent Features
- Granular consent controls
- Consent validity tracking
- Automated renewal workflows
- Consent history and audit trails
- Multi-language consent screens
Data Protection (GDPR)
Full GDPR compliance with data minimization, end-to-end encryption, and comprehensive data subject rights implementation.
GDPR Features:
- Data minimization principles
- End-to-end encryption
- Right to erasure implementation
- Data portability support
- Privacy by design architecture
Regulatory Reporting
Automated regulatory reporting with transaction monitoring, incident reporting, and comprehensive performance statistics.
Reporting Features:
- Transaction reporting automation
- Incident reporting workflows
- Performance statistics dashboards
- Regulatory change notifications
- Compliance audit trails
Account Information Services (AIS)
Comprehensive account data access with intelligent enrichment and categorization
Core AIS Capabilities
Account Details
Balance Information
Transaction History
Standing Orders
Intelligent Data Enrichment
Merchant Categorization
AI-powered merchant identification and categorization using MCC codes, merchant databases, and machine learning algorithms.
Spending Insights
Advanced analytics providing spending patterns, trends, and personalized insights for better financial management.
Income Detection
Intelligent identification of salary, benefits, and other income sources with confidence scoring and verification.
Bill Identification
Automatic identification of recurring bills, utilities, and subscriptions with payment prediction and optimization suggestions.
Payment Initiation Services (PIS)
Comprehensive payment capabilities with lower costs and higher success rates
Payment Types Supported
Single Payments
One-time transfers with instant initiation, real-time status updates, and comprehensive error handling.
Bulk Payments
Multiple payments in a single request with batch processing, individual status tracking, and comprehensive reporting.
Recurring Payments
Scheduled transfers with flexible frequency options, automatic execution, and comprehensive management.
International Payments
Cross-border transfers with competitive FX rates, regulatory compliance, and transparent fee structure.
Business Benefits
New Revenue Opportunities
Lower Processing Costs
Reduce payment processing costs by up to 97%
Instant Settlement
Improve cash flow with immediate settlement
Higher Conversion
Increase conversion rates with seamless UX
Rich Data Insights
Access detailed transaction and customer data
Multi-Standard Support
Unified access to all major European Open Banking standards through a single API
UK Open Banking (OBWG)
Features:
- Account Information API
- Payment Initiation API
- Confirmation of Funds API
- Event Notification API
- Variable Recurring Payments
Berlin Group NextGenPSD2
Features:
- Account Information Service
- Payment Initiation Service
- Confirmation of Funds Service
- Signing Baskets
- Multi-level SCA
STET (France)
Features:
- Account Information Services
- Payment Initiation Services
- French regulatory compliance
- Local bank integrations
- ACPR compliance
Polish API Standard
Features:
- Polish banking integration
- Local regulatory compliance
- PLN currency support
- Polish language support
- KNF reporting
Custom Bank APIs
Features:
- Custom API integrations
- Legacy system support
- Proprietary protocols
- Screen scraping fallback
- Bank-specific features
World-Class Developer Experience
Everything developers need to integrate quickly and build amazing financial products
Comprehensive Developer Resources
Documentation
Comprehensive documentation with getting started guides, API reference, and best practices for rapid integration.
SDKs & Libraries
Native SDKs for all major programming languages with comprehensive error handling and automatic retries.
Sandbox Environment
Full-featured sandbox with mock bank data, realistic scenarios, and comprehensive testing capabilities.
API Explorer
Interactive API explorer for testing endpoints, viewing responses, and understanding data structures in real-time.
Enterprise-Grade Platform Architecture
Built for scale, reliability, and security with enterprise-grade features
Platform Architecture
Enterprise Capabilities
Multi-Region Deployment
Active-active configuration across multiple regions with automatic failover and load balancing for maximum availability.
OAuth 2.0 / OpenID Connect
Industry-standard authentication and authorization with comprehensive security features and token management.
Real-Time Dashboards
Comprehensive monitoring and analytics with real-time dashboards, alerting, and performance metrics.
Advanced Monitoring
Complete observability with distributed tracing, metrics collection, and intelligent alerting for proactive issue resolution.
Start Building with Open Banking Today
Join thousands of developers who are building the future of finance with our Open Banking platform. Get started in minutes with our comprehensive sandbox and documentation.