White paper: Financial Data Sharing Scheme

A2A Payments

PAY/Connect: Open Payment enables secure and fast payment processing for you and your customers. Perfectly embedded in your application or web store. Technically easy to integrate and surprisingly versatile. Inexpensive and transparent in its cost structure.

Test now free of charge

Overview

Bank transfer

The established SEPA credit transfer as a single or collective transfer. Fully integrable into your application or stand-alone, depending on the purpose.

SEPA Instant transfer

Payments have never been so fast: thanks to SEPA Instant, the payment amount is transferred immediately from the payer to the payee as a real-time transfer.

Direkt-Überweisung

This is the new payment method for integration into your web store. Unbeatably cost-effective because there are no detours due to the account-to-account connection (A2A Payment).

SEPA direct debit

Direct debits as individual or collective direct debits have become an integral part of business payments. Business direct debits are also supported via EBICS.

Versatile

One API – many payment solutions

BANKSapi gives you access to a comprehensive, flexible and secure payment solution. Whether SEPA credit transfers, collective credit transfers or individual and collective direct debits – we support all common payment types and channels such as XS2A, FinTS and the Electronic Banking Internet Communication Standard (EBICS) to optimize your payment processing.

Payment transactions with BANKSapi are simple as usual, as they are processed directly without intermediaries. Funds are transferred from account to account in the established form: as a credit transfer or direct debit. BANKSapi ensures smooth processing and guarantees almost complete coverage of all banks thanks to the technologies in the background.

On request, we can provide you with our flexible payment front-end for SEPA transfers. This offers you or your customers a user-friendly and intuitive web interface that feels like a familiar online payment service without users having to leave your website. With just a few lines of code, you can integrate it into your application - even in your design.

As a lean alternative to traditional payment methods, our direct bank transfer (Direkt-Überweisung) for your web store or donation platform offers you considerable advantages: fast, fail-safe and particularly cost-effective. End customers simply use their bank account and online banking credentials to make a pre-filled transfer. And that's not all: no registration is required and our optimized web interface is ready to use immediately.

Graphical representation of the PAY/Connect process

Variants

Payment API

Our most comprehensive and flexible solution

  • SEPA credit transfer
  • SEPA Instant transfer
  • Bulk transfer
  • SEPA core direct debit
  • Collective direct debit
  • Company direct debit
  • Company collective direct debit
  • Web interface also with own CI
  • > 99% of all payment accounts

Add-on

Extension for the “Account Data” product suite

  • All payment methods of the Payment API
  • Same API as Account Data
  • Web interface also with own CI
  • > 99% of all payment accounts

Direkt-Überweisung

The favorable payment method in eCommerce

  • SEPA bank transfer
  • Payment method for online stores
  • Web interface
  • Ready to use immediately
  • > 99% of all payment accounts
  • From €0.16 + 0.4% of the transaction value

PSD2 License

PSD2 license for regulatory compliance

If you do not have your own PSD2 license, you can use ours. This offers you maximum security and regulatory compliance. We handle the processing of sensitive payment data so that you can concentrate on your core business: No need for your own BaFin license. Our solution always complies with the applicable regulatory requirements. We also take care of money laundering, KYC and fraud checks.

More about PSD2-License-as-a-Service

Demo

PAY/Connect

With just a few lines of code and our ready-made web interface, you can get started with your use case right away.

From then on, it's child's play:

  1. Select bank details
  2. Enter your access data
  3. Confirm payment details

... and the payment can be initiated!

Why BANKSapi?

Simple: Manage payments effortlessly via a single API. As an add-on to our Account Data product suite or as a stand-alone payment solution.

Seamless: Either perfectly integrated into your processes and applications via API or integrated into your existing frontend using our web components.

Intuitive: Account-to-account payments by bank transfer or direct debit are made in the usual way: user-friendly and for end customers without registration.

Cost-effective: BANKSapi is unbeatably cost-effective because it requires no intermediaries and payments are therefore processed directly.

Secure: Transactions are carried out with the highest security standards. This means that you and your customers' data are optimally protected.

More reasons for BANKSapi

Reduce costs,
Increase sales,
Minimize risks.

Test now free of charge

With BANKSapi you have a reliable payment solution for your processes. Direct payment from account to account saves you expensive fees. With our ready-made web forms, you avoid development and maintenance costs. You can offer your customers another convenient payment method for your online store: This increases your turnover and eliminates the risk of non-payment. With our smart data analytics, default risks can even be reduced for direct debits.

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