Payment & eCommerce

BANKSapi allows the acceptance of all legal payments, even in legal high-risk sectors that are often rejected by other payment services. Our solution offers maximum flexibility and therefore access to a broader customer base. This ensures seamless and comprehensive payment processing for all business models.

Our platform enables the automated allocation of incoming and outgoing payments by integrating the merchant account. This simplifies the reconciliation of orders with payments, improves accounting and optimizes liquidity planning.

BANKSapi offers AI-powered fraud detection that identifies suspicious activity in real time. Our solution analyzes transaction patterns, detects anomalies and thus protects against financial losses without slowing down the checkout process.

Our platform enables customization of the user interface to the provider's look & feel through flexible white label and co-branding options. We also provide web components that support seamless integration. This customizability strengthens brand loyalty and enables providers to offer a consistent and personalized customer experience.

BANKSapi offers a credit assessment by accessing the customer's financial situation via AIS interfaces. This analysis prior to direct debit payments or instalment purchases minimizes the risk of payment defaults by allowing only solvent customers.

BANKSapi supports providers in high-risk industries in assessing the solvency of their customers in order to avoid financial overload. By analyzing the financial situation, we ensure that customers do not fall into unsustainable financial obligations. This prevents downward spirals by only offering affordable payment options and amounts. This serves both to protect customers and to ensure the sustainability of business models.

BANKSapi analyzes account histories to determine the probability of purchase for specific products or services. This enables the identification of the "next best offer" or "next best merchant" and the development of targeted marketing measures to increase the conversion rate.

By analyzing account data, BANKSapi identifies potential new customers with similar transaction patterns to existing customers. Providers can develop targeted marketing strategies to tap into new customer segments, especially for clearly identifiable products.

BANKSapi analyzes account data and transaction patterns to identify signs of declining customer loyalty. These insights enable providers to take early action to retain at-risk customers with targeted offers and reduce churn rates.

Our platform calculates the total potential value that a customer can generate over the entire duration of the relationship. These forecasts help to identify valuable customers and develop targeted marketing strategies to maximize customer lifetime value (CLV). By focusing on customers with high CLV, companies can make optimal use of their resources and maximize long-term sales.

Our technology analyzes account data to identify subtle differences and similarities within customer groups, providing detailed insights into the preferences and behavioral patterns of your customers. This allows specific customer segments to be created and customized marketing campaigns to be developed. Through precise targeting, companies can increase their marketing efficiency, increase the relevance of offers and ultimately improve the conversion rate and customer satisfaction. Relevanz der

Our platform allows you to analyze the share of wallet (SoW) for your own and even competitor products. By analyzing account data, providers can see how much their customers spend compared to competitors and develop targeted strategies to increase sales.

BANKSapi offers peer group analyses to evaluate the share of wallet in comparison to similar customer groups. These analyses provide insights into spending behavior and enable targeted savings tips to be offered to increase customer satisfaction and loyalty.

In addition to payment processing, BANKSapi offers value-added services such as audience and ESG analysis. These additional insights support providers in optimizing their marketing strategies and enable them to gain a deeper understanding of their customer base.