White paper: Financial Data Sharing Scheme

Payment & eCommerce

There are many payment providers. In addition to various solutions from BANKSapi for A2A payments and direct debits, intelligent analyses are the decisive factor for increasing sales and minimizing risk.

Discover with BANKSapi how you can increase your business success with smart and affordable payment solutions.

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Use cases

Smart payment method for online shops

Our Open Finance platform offers e-commerce providers powerful tools to optimize their processes. From secure and automated payment processing to in-depth data analysis such as purchase probability and credit rating - we offer everything you need to optimize your business processes and better understand your customers. Use our customized white label solutions and advanced analytics to strengthen customer loyalty, increase sales and gain valuable insights into purchasing behavior. Discover the future of eCommerce with BANKSapi.

Simple Checkout Payment Solution

BANKSapi offers a user-friendly payment solution via bank transfer for e-commerce checkouts. With an intuitive wizard, similar to other well-known payment services, the payment process is simplified and offered in co-branded or white label. The solution offers the convenience of an e-commerce payment experience, integrates seamlessly into the checkout process and strengthens brand loyalty.

Bank Transfers & Direct Debits

BANKSapi simplifies the processing of individual and collective bank transfers and direct debits, including SEPA Instant. Our solution automates payment processes, reduces errors and minimizes manual intervention. The standardized API interface ensures simple integration.

Risk-Free Payment Options

BANKSapi offers payments via XS2A/PSD2 interfaces that are not reversible for customers. Once authorized, payments cannot be reversed, which eliminates the risk of payment defaults and increases financial planning security.

EBICS

BANKSapi offers seamless integration of EBICS (Electronic Banking Internet Communication Standard) via a standardized JSON interface. Support for Distributed Electronic Signature (VEU) ensures efficient rights management without the need for Strong Customer Authentication (SCA) every 180 days. This solution optimizes payment transactions and simplifies the central management of payments, including chargebacks, refunds and partial refunds.

Supporting Automated Processes

Our platform automates essential financial processes such as payment processing, refunds and settlements. BANKSapi reduces manual intervention, lowers operating costs and increases process speed, allowing providers to focus on their core business while financial processes run smoothly in the background.

Weitere Use Cases

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.

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We are your partner for Open Banking and Open Finance solutions. We would also be delighted to realize your idea or your specific project. Thanks to our many years of experience, we can also provide you with comprehensive advice.