viaBanking is an open banking aggregator. We connect your product to EU banks through one API, so you can read account data and initiate bank payments in a single integration. Regulated AIS and PIS services are run by our licensed partners, and we orchestrate the flow so you get clean data and one webhook per payment.
We orchestrate AIS/PIS providers and connect to your C2B account, in one integration. Track payments to the actual credit, not just the bank's first status.
AIS
PIS
2,500+
99.99%
Sandbox
Open 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.
Browse the API referenceMost 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 oneRead balances and transactions, start account-to-account payments, on the same integration. Consent and bank login run through licensed AIS/PIS providers we orchestrate. You get one auth flow, one data model, one set of webhooks.
AIS + PIS, one flowA bank payment has two final states. The first "success" only means the payer consented; they can still cancel before funds leave. Because we connect to your C2B account, we tell you when the money is actually on it. Credit the account, release the goods, mark the order paid on real money, not on consent.
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.
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.
A bank payment starts on the customer's phone. The customer picks a bank, signs SCA on their own bank, and the money moves. Every step runs through the open banking platform: consent, initiation of the payment, confirmation and account-side credit. One payment API, one data model, one webhook feed — for every bank a customer chooses.
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.
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.
Live in 31 EU markets2,500+Banks & EMIs
31EU markets
AIS + PISBoth flows ready
Every customer product that touches a bank account can run on the viaBanking platform. These are the payment and data solutions customers already ship on the open banking system today, from pay-by-bank at checkout to B2B account aggregation and out-of-hours payout monitoring. Running both a pay-in and a pay-out leg? Start with open banking for merchants.
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.
Set up variable recurring payments through the open banking API. The customer authorises one time; your platform pulls the payment on schedule. New lenders, subscription products and B2B account funding all use one payment contract.
Confirm the customer owns the bank account before you pay out. The open banking solution reads the account holder data, checks the name, and flags mismatches out of the box. New payout partners plug in with one API call.
Pull bank statements, salary, address and account history straight from the customer's bank. One open banking solution, one API call, no new document upload from your customer. New markets go live without new KYC vendors.
Give business customers one view of every bank account across every bank they use. The platform pulls new balances on demand and streams payment activity into one financial dashboard. New banks join without any new work.
Watch payouts land in real time on the customer's bank account through the open banking data feed. New payout batches, out-of-hours failures, and account-side reconciliation issues surface in one place, on one platform.
Free sandbox access · No card needed
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.
Free for sandbox. Pay only when you go live.
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.
