2,500+
EU banks & EMIs pre-integrated and kept live for you
Open banking for every EU bank
Explore bank coverageSee how our platform integrates payment initiation, account verification, and real fund confirmation into one seamless workflow to reduce complexity and boost reliability.
Banks & EMIs
2,500+
Uptime
On request
Account data
AIS
Payments
PIS
Test instantly
Sandbox
viaBanking
One layer
Stop running open banking and your settlement in two dashboards
Browse the API referenceOpen banking moves the money. The C2B account receives it. When those sit in different systems, you reconcile by hand and miss payer fraud. viaBanking puts both on one platform, so you can act on the real credit instead of the bank's first status.
1
API and data model to build against, not one per bank
< 1day
from sign-up to your first sandbox AIS & PIS call
Payment flow, simplified
See how our platform connects payment initiation, account verification, and real fund confirmation into one seamless workflow, reducing complexity while improving reliability.
Open banking and the receiving account, together
Most stacks split this in two: open banking in one dashboard, the C2B account that gets the money in another. We bring both together. You reconcile a payment to the actual credit on the account in the same place you started it.
Two dashboards become one Read the integration docsAIS and PIS through one connection
One-off payment initiation through licensed PIS providers is live. — viaBanking is a software / Technical Service Provider and Open Banking orchestration layer. Licensed AIS/PIS partners perform regulated actions. viaBanking is not a bank, payment processor or licensed AIS/PIS provider and does not hold or move customer funds. Scheduled, recurring and VRP payments are available only where supported by the selected provider and bank.
AIS + PIS, one flow See AIS and PIS use casesWait for the real credit, not the first status
A bank payment has two final states. The first "success" only means the payer consented; they can still cancel before funds leave. Because we receive transaction data from your C2B provider through a read-only API, we can tell you when the money is actually on the account. Credit the account, release the goods, mark the order paid based on real funds received, not on consent.
No payer-fraud blind spot See pricingThe open banking system, unpacked
An open banking system is more than one payment API. It is the bank connectivity layer that puts every bank account, every payment provider and every data feed on one contract, so your product team ships new financial features without adding one integration per bank. viaBanking runs that open banking platform as one solution for payments, account data and bank connectivity.
Bank connectivity, built out for every EU bank
viaBanking keeps a live bank connection for every account your customer might hold. Each bank has its own AIS and PIS quirks, out-of-hours changes and new endpoint drops. The open banking platform absorbs all of that, so your team sees one open banking API and one data contract. A new bank on our roster is not a new integration on your side.
Payments the customer signs off in one flow
A bank payment starts on the customer's phone. The customer picks a bank and authenticates through the strong customer authentication flow hosted and verified by their own account-servicing bank. Payment initiation is performed by a licensed third-party PIS provider. Every step runs through the open banking platform: the user's payment consent, the initiation, the confirmation and the read-only verification of the credit on the C2B account. One payment API, one data model, one webhook feed for every bank a customer chooses.
Account data your product can act on
The open banking system reads balances, transactions and account details straight from the customer's bank. Your product gets fresh data through one open banking API rather than a new stub for each new bank. All account data comes normalised, so a new customer looks like every other customer to your code, and new financial products can go live without new mapping.
Every account is
already connected
viaBanking reaches C2B accounts and open banking providers right across Europe, each one pre-integrated and tested. You connect through one orchestration layer, with no separate contract per provider or account.
Explore all integrations2,500+
Banks & EMIs
30+
Markets
AIS + PIS
Both flows ready
One open banking platform, many payment use cases
The current viaBanking scope is one-off payment initiation through licensed PIS providers and read-only C2B credit verification. Related workflows depend on provider and bank support, from pay-by-bank at checkout to C2B credit verification and out-of-hours payout monitoring. Running both a pay-in and a pay-out leg? Start with open banking for merchants.
Pay-by-bank at checkout
Skip the card rails. The customer picks their bank, the payment initiation runs in one flow, and the money lands on your C2B account. Lower payment fees than card, no new customer onboarding step, one solution for every EU bank.
Recurring bank payments
Scheduled, recurring and variable recurring payments depend on support from the selected licensed provider and bank. Confirm the applicable authorisation and payment scope before relying on them.
Bank account verification
viaBanking verifies incoming funds on the merchant-owned C2B account in read-only mode. This is credit verification, not verification of payer account ownership.
Broader AIS: separate provider scope
Licensed AIS providers may offer broader account-data services under separate arrangements. Bank statements, income data and account history are outside the current viaBanking product scope.
C2B credit verification
Verify incoming credits on the merchant-owned C2B account. viaBanking connects in read-only mode; your selected EMI, bank or account provider opens and services the account.
Payout monitoring
Use the documented payment status and operations interfaces to follow processing. A payment status alone is not proof of credit to the recipient account; confirm the applicable verification scope.
Questions teams ask before wiring up the open banking system
Short, technical answers for product, engineering and finance teams evaluating a new open banking platform. If you need a deeper walkthrough for a new bank or a new customer flow, book a demo and we will run the payment end-to-end with you.
Yes. AIS account data and PIS payment initiation run on one banking API. The customer authorises consent once for AIS-only reads, once for PIS bank payments, or once for both. Your platform sees one open banking solution across both flows, with one data model and one payment webhook per bank.
Payment initiation runs through the open banking API. The customer picks their bank, signs SCA, and the bank moves the payment out of the customer's account and into your C2B account. The open banking provider we route through is licensed for payment initiation; viaBanking orchestrates the flow and hands out one webhook per payment, per bank, per customer, so your financial ops team can reconcile payments in one place.
viaBanking is a solution provider. We orchestrate licensed AIS and PIS providers under one open banking API and one data contract. The open banking provider holds the licence; the platform hands out one solution for every bank across every EU market, so new customer segments and new financial products go live on the same open banking system. New financial regulations roll out on the platform without your team rewriting payments code.
Every open banking API call runs with the customer's consent captured on the bank. Payment data and account data move through the open banking platform under strict scope; no data lives out of scope. The customer can revoke consent from their bank at any time, and new banks inherit the same data controls as every existing bank on the platform.
A single-country bank API or one provider covers a slice. viaBanking is one open banking platform across the whole EU. Every bank, every customer account, every payment provider on one contract. New countries, new banks and new financial rules land on the same open banking system, and new financial products roll out without a new provider deal every time your customer base grows. Fintech teams get the build-versus-buy view on a page of its own.
Free sandbox access · No card needed
Run a payment end-to-end in one dashboard.
Schedule a demoFree for sandbox. Pay only when you go live.
Sign up for the sandbox, trigger a PIS call, see the credit land on the C2B account next to your AIS data. No card. No contract. Production billing only kicks in when you flip the switch.
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