For business · Open banking
Open Banking Solutions
One integration to accept A2A bank payments and confirm the credit into your C2B bank account across Europe. viaBanking is the orchestration layer that connects you to licensed providers, not a bank or a provider itself. Financial institutions and businesses use one contract and one bank data model to manage every open banking payment on the same integration.
viaBanking is a software provider; regulated open banking services are delivered by licensed partner providers.
- 1One integration
- LicensedProviders behind every payment
- A2A + CreditInitiation and credit verification
- EUEuropean coverage
- SandboxAvailable on request
One integration for every open banking payment
A business connecting to open banking usually builds one integration per bank and one contract per licensed provider. That approach compounds cost, engineering time and vendor management as the market grows. viaBanking replaces the per-bank effort with one open banking API and one shared bank data model.
Every A2A payment and every C2B account credit verification runs through the same integration. Regulated open banking actions — payment initiation and account access — are performed by licensed AIS and PIS providers behind the scenes. viaBanking is the software orchestration layer, not a licensed financial institution on its own account.
Financial institutions and businesses of any size use the same viaBanking open banking solution to reach every supported bank in Europe without the vendor management overhead. Explore the wider bank API catalogue for the surrounding services.
What the open banking solution covers
The scope is deliberately tight. Three outcomes on one contract, with live insights on every payment the business sends through the integration.
- A2A
A2A payment initiation
Every bank payment is initiated by a licensed PIS provider through one integration. viaBanking routes each payment to the appropriate provider per market, and every settlement signal returns on the same webhook, so a business reads live insights on the state of every payment without opening a support ticket at the bank.
- Verify
C2B account credit verification
The platform confirms, via the account provider's API in read-only mode, that funds have actually been credited to the merchant's C2B collection account. The business gets clear insights on which payment settled and which one did not, so no service is delivered against a payment the customer's bank never released.
- Live
Coverage insights per market
A live view of pre-integrated banks and licensed providers, with real-time insights on availability per market. Financial institutions and businesses use these coverage insights to manage which banks are surfaced to a customer at checkout, and to route around a degraded provider before a payment ever leaves the bank.
How the open banking solution works
Four steps from the customer picking their bank to the merchant reading real settlement insights. No credentials touch viaBanking; no funds sit on a viaBanking balance.
- 01
Customer picks a bank at checkout
The customer selects their bank on the merchant's checkout. viaBanking resolves which licensed provider reaches that bank in that market and prepares the routing.
- 02
Payment consent runs at the customer's bank
The user's payment consent flow is orchestrated by the licensed PIS provider. Strong customer authentication is hosted and verified by the customer's account-issuing bank. No credentials touch viaBanking or the merchant.
- 03
Licensed PIS initiates the payment
The licensed PIS partner initiates the bank payment on the merchant's behalf. viaBanking normalises the response so the business reads one shape across every bank and every licensed provider.
- 04
Credit is verified and insights are surfaced
Once the payment settles, the platform confirms the credit into the C2B collection account via the account provider's API in read-only mode. viaBanking surfaces the outcome and the insights on that payment to the business in real time, so the service is only delivered against a real settlement.
Who the open banking solutions fit
Financial institutions and businesses that accept bank payments at any scale.
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Payment institutions
A payment institution uses viaBanking to manage a European bank network without vendor sprawl. One open banking solution covers every market on the same integration, so the institution's product team spends its time on the customer surface, not on bank-by-bank connectors. The institution keeps its own regulated status and uses the layer to manage every A2A flow on one contract.
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E-commerce and marketplaces
E-commerce and marketplace businesses use the same open banking solution to accept A2A payments and confirm the credit into the merchant bank account. The business reads live insights on every payment, so no order is fulfilled against a payment the customer never actually completed at the bank. Each merchant institution can also connect the same solution to a partner bank or another financial institution once the setup is live.
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Fintech institutions
A fintech institution layers the viaBanking bank feed into its own product and its own customer insights. Each fintech institution uses the same open banking solution to manage bank coverage per market and to manage the settlement signal per payment. Explore the fintech landing for the product-owner view or the wider open banking API integration for the build-side view.
Where the software boundary sits
- Software
viaBanking is the orchestration layer
The open banking solution is a software contract, not a licensed institution. viaBanking does not act as an AIS or PIS provider on its own account, and does not hold or move funds.
- Licensed
Regulated actions stay with partners
Payment initiation is performed by a licensed third-party PIS provider. Confirming the credit into the C2B collection account is done via the account provider's API in read-only mode. Strong customer authentication is hosted and verified by the customer's account-issuing bank.
- Yours
Your business keeps its regulated status
Your business manages the customer relationship and any local regulated activity. viaBanking manages the bank orchestration behind it, per market.
One open banking API. Every supported bank.
Talk to sales about a European coverage plan for your open banking solution. For the endpoint-level view, head to the developers page. For a wider look at the surrounding services, see the bank API catalogue.
viaBanking is a software provider; regulated open banking services are delivered by licensed partner providers.