FinAPI is a prominent provider of Account-to-Account (A2A) payment services, specializing in open banking infrastructure. Founded in Germany, FinAPI enables secure, direct bank transfers by connecting to over 3,500 banks across Europe. Their service eliminates the need for traditional payment methods like credit cards, offering real-time transactions based on users' existing bank credentials.
Account-to-Account
FinAPI
Let’s get into the details
All the nitty-gritty stuff you might want to know about FinAPI.
FEATURES
Channel
Omnichannel
Direct Debit
Tokenization availability
Individual credit limits
Payment guarantee
Integration
Direct integration via
Plug-and-Play or REST APIs
E-commerce platforms
Shopware, Magento, WooCommerce, XT commerce, and more.
DMS Integration
Pinewood, Sams/eDeal, Verendus
Developer’s resources
*Disclaimer: Terms may vary depending on the market.
FAQ
Got questions? We've got answers!
How do I track transactions?
You can easily track all transactions through our merchant dashboard, where you can monitor incoming payments, transaction statuses, and overall payment history.
If you prefer not to use our merchant portal, our API allows you to access the same transaction data directly within your own systems.
What is A2A (Account-to-Account) payments?
A2A payment allows customers to transfer funds directly from their bank account to your business account without using traditional card networks. We offer this payment option together with out other payment methods through payment gateways like FinAPI, Trustly, Vipps, and Swish.
Are A2A payments secure?
Yes, A2A payments are highly secure. Transactions are processed directly between the customer’s bank and your business bank account, using bank-level encryption and security protocols, minimizes the risk of fraud.
How quickly will I receive funds?
A2A payments are processed in real-time or within a few hours, depending on the bank's processing times. This ensures that you receive funds faster compared to traditional payment methods, improving cash flow.
Can all of my customers use A2A payments?
Yes, A2A payments are available to any customer with a bank account, provided their bank supports the A2A provider being used (e.g., Swish, Trustly, FinAPI).
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