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One platform -
The entire financial journey

We are on a mission to help your business build the very best financial products and services.

Payment initiation

Powerful payment solutions for your business

We enable a variety of Open Banking payment methods that improves your B2B payments. We have the tools to easily update your payment flow for invoicing, payouts, and bank payments without middlemen or unnecessary transaction fees.

Benefits
Swift & Seamless

Allow payments in your UI, fully white labeled and in your control. Single, Batch, FX and invoice payments, suitable for your purpose.

Instant reporting

Stay up to date with your payments and receive instant data for your reporting.

Complete stack of
payment solutions

Use for single, batch or recurring payments. Connect to our API or send us your existing ISO/XML-files as they are. We adapt to your flow.

Security first

We are licensed by the Swedish FSA. We monitor & regulate all transactions and keep AML & KYC into shape, so you donʼt have to.

Enabling files into
Open Banking

The hurdle of implementing Open Banking into your product is eliminated - Meet FilePay by Open Payments, a new product that combines the power of Open Banking with the flexibility of traditional file management.

We enable your existing files into converting them as part of our API-calls. We manage all your ISO, XML and many other payment related files.

Solutions
Invoice checkout

Digital invoices are more than just efficient distribution. Open up to automatic accounting, instant follow-ups and analysis.

Account-to-Account payments

We simplify direct payments. Initiate transfers to Bankgirot, SEPA, or domestic accounts on the same day or future dates.

Request-to-Pay

Send a digital request that the payer receives on any device, and in any channel - in-store, e-commerce or for B2B-purposes for improved payment ratio. Easily distributed and easily paid.

Reccuring payments

Set up monthly recurring payments for subscriptions, savings or installments, directly from your customers' bank account.

Batch Payments

Process easily thousands of payments in one single signing. Purposed for efficient supplier payments or salary payments.

ISO/XML File payments

We know you process payments in batches already. Access easy, integrated batch payments in a perfect customer journey with the use of Open Banking and files in combination.

One smart API

No bank is alike. Our APIs presents solutions to all banks' dissimilarities and gives you the comfort of keeping your processes together. This gives you not only clean development but also keeps you safe for the future.

Data accessibility

Smarter financial
data with Open Banking

Provide your customers with a seamless connection to their bank account, in order to get real-time cash flow visibility, streamlined account reconciliations and manage invoice payments.

Benefits
Automate data access

By using Open Banking, accountancy services can access customer’s financial data in real time directly from their corporate bank account. Data is verified and you can always trust it’s accurate and up to date.

Get the full picture

Access all accounts in one request. By leveraging Open Banking, you can let customers see all of their businesses accounts across multiple banks – all in one place and always up to date.

Smarter Onboarding

Simplify onboarding flows with account verification in seconds instead of days. Get the full picture and receive verified data for the KYC & AML process.

Security first

We are licensed by the Swedish FSA. We monitor & regulate all transactions and keep AML & KYC into shape, so you donʼt have to.

Report in real-time

Stay up to date with your reporting and receive instant access to all your transactional data in any account. Keep track of payment statuses - Our API gives you total control over the payment flow.

Solutions
Invoice checkout

Curious about how to replace your traditional invoicing? Digital sales means digital payments.

Accuracy

When fetching data with our API, you can be sure to recieve the correct data from the correct source.

Private Accounts

We cover any private account for both historical and future transactions with the consent of the account holder.

Future data access

When your client gives you access to fetch data for your purpose, you receive historical data and also access for the future.

Harmonized and uniformed

Whatever data you are looking for, our API uniforms and harmonizes the data to your simplicity.

We never store data

As a stateless service, we never store any credentials or account data. We facilitate a secure login – you control the data.

Industries

Benefit the
Open Banking
Revolution

Benefit from the new opportunities arising from Open Banking. Reduce your processes for payments and speed up your business. Select your industry and see what services we offer you.

Account-to-Account

The simplest solution to the simplest way of transferring money - from account to account. At the lowest cost. Ever.

The A2A payment takes less than 20 seconds to perform for the end-user.

Recurring Payments

Setup scheduled recurring payments for subscriptions, savings or installments directly from your customers bank account.

No need for bank agreements or expensive bank solutions.

Batch Payments

Process easily thousands of payments in one single signing without direct bank integrations.
Efficient for supplier payments and salary payouts.

Top-ups

Make your pre-paid or top-ups solutions easier than ever. International top-ups in any currency with low FX-rates and minimal fees.

Single FilePay

Easily adapt to the benefits of Open Banking from your existing platforrm. The shortcut is to simply put your files into our converter. Reduce costs without any development.
Made for single payments.

File Batch Payments

Using your existing ISO- or XML-integrations for Open Banking purposes is now a reality.
Any file can be converted and used for salary payments, supplier payments and many more use cases.
Made for batch payments.

Scheduled payments

Provide your customer with our scheduled payment feature for payments made with future dates. The payment is booked instantly. Necessary for invoicing purposes.

B2B Payments

We provide solutions for high-value transactions above €15.000  with built in monitoring solutions. All transactions are supported with extended KYC solutions.

Balance
statements
Invoice
payments
Consumer invoices
Tax payments
Salary payments
Balance checks
FX-accounts
International
cash allocation
FX-management
Recurring
payments
Batch payments
Batch payouts
Single payments
Top-ups
File
single payments
File
batch payments
Onboarding

Improve your customer journey with a seamless onboarding that takes seconds. Retrieve bank account details automatically and confirm the account owner with a few clicks.

Improve credit risk

It’s time to rethink scoring. Open Banking makes scoring more powerful and gives more opportunities. Access real time transaction data and make your decisions more accurate.

Income verification

Find out the financials of your customer as you onboard them. Remove manual handling or long bank processes. Fetch the required data easily via the API.

Payouts

Make efficient payouts to the correct account in single or batches. Every payout is verified to the correct account holder and is instantly made via our API.

Payment plans

Automatically configure recurring payment plans for your customers. Set up new payment plans on request and let your payment ratio improve.

Account verification

To support the KYC and AML process we verify any bank account. Account verification is performed in one signing.

Account-to-account
Recurring Payments
Batch Payments
Top-ups
Single FilePay
File Batch Payments
Scheduled payments
B2B Payments
Balance
statements
Invoice
payments
Consumer invoices
Tax payments
Salary payments
Balance checks
FX-accounts
International cash allocation
Balance checks
Recurring
payments
Batch payments
Batch payouts
Single payments
Top-ups
File
single payments
File
batch payments
Onboarding

Improve your customer journey with a seamless onboarding that takes seconds. Retrieve bank account details automatically and confirm the account owner with a few clicks.

Balance Statements

Balance statements are easily fetched and presented. Transactions lists allows for automatic accounting and cash flow analysis.

Invoice Payments

Digital invoicing for cost-efficient and UX-friendly payments are now easily available. Distribute in omnichannel and reduce layers of administration and costs.

Salary Payments

Relief Power of atterneys and costs of Salary Payments - we serve it through the API or via your standard file-process as you do it today. Benefit the Open Banking advantages either way.

Consumer Invoices

Create digital consumer invoices on link, QR-code or even in-store.

Create invoices, track and follow your liquidity live of ongoing performance.

Tax Payments

Full reconciliation of tax accounts makes automatic payments for Tax, VAT and other authorities reliable.

As always, fully seamless and integrated in your UI.

Cash pools
Invoice
payments
Consumer invoices
Credit limits
B2B payments
Balance checks
FX-accounts
International cash allocation
Balance checks
Recurring
payments
Batch payments
Batch payouts
Single payments
Top-ups
File
single payments
File
batch payments
Onboarding

Improve your customer journey with a seamless onboarding that takes seconds. Retrieve bank account details automatically and confirm the account owner with a few clicks.

Balance Checks

Live feed your FX-accounts as easily as any other account. Any Treasury management system can be accessed with account updates for all FX transactions and projected to your liquidity modules.

FX-accounts

Access and stream your FX-account events to your dashboard, for automatic warnings or any other actions.

International Cash Allocation

Visualize your cash allocation needs and build automatic processes for warnings or regulatory needs.

Balance
statements
Invoice
payments
Consumer invoices
Tax payments
Salary payments
Credit limits
Cash pool
International cash allocation
Credit card details
Recurring
payments
Batch payments
Batch payouts
Single payments
Top-ups
File
single payments
File
batch payments

Our four steps
of working

To maximize the benefit and minimize the effort of Open Banking solutions we have established our way of working with larger projects. We adapt to your customer journey and wants to excel with you.

Setting the scope

For a proper project, we set the same goals as you have. We have the means and the know-how to implement Open Banking where you make the most of it.

Workshop

Different sectors requires different knowledges and a lot of creativity. We don’t leave you without the importance of the process functionality.

Integration

We fully support your way of working with integrations and suggests the smartest solutions for the final results, hand-in-hand.

Roadmapping

The first step of the development will be carefully selected to make the rest as easy as the first step. The roll out of new features will be supervised and supported by us.

Implement Open
Banking Today

We have sorted out how to implement Open Banking in your business. Fetch financial data or initiate payments with one API. Remove file integrations, reduce costs and build it in your flow.

One-Click Pay

One single authorization to complete your payment.

Supplier invoices

Create a streamlined flow for supplier invoices.

Frictionless

Connect your platform to any bank seamlessly.

Account-to-Account

Skip intermediaries and own your user interface.

Account-to-Account

Skip intermediaries and own your user interface.

Only verified data

No inaccurate bank details or unsafe data.

Private or Corporate

Access both private and corporate accounts.

ISO support

Replace your ISO-files with less integration and more flexibility.

One digital integration

Say goodbye to manual filling forms and paperwork.