Payments Initiation
Initiate payments from any bank without leaving your channel with our Payments Initiation API. One integration, many banks.
With finker’s Payments Initiation API, your application can securely connect to multiple banks and initiate payments using PSD2 compliant protocols. One API integration gives you access to a wide range of banking connections.
Execute
Funds are transferred directly from the user's account to the recipient, instantly or within standard banking timelines.
Seamless and efficient experience
Using finker's Payments Initiation API, your application can initiate bank transfers directly from users’ accounts with their consent, and without redirecting them to external banking portals. As a result, you improve the user experience, reduce abandonment at checkout, and keep the entire transaction flow within your own interface.
Unlike traditional payment methods such as cards or manual wire transfers, PSD2 compliant payments initiation allows your app to connect directly to a user's bank. In turn, the process becomes more transparent, user driven, and seamlessly integrated. While settlement speeds depend on the underlying bank and payment network, such as SEPA, payments initiation provides a more controlled and predictable flow from initiation to confirmation.
In addition, this approach supports better alignment with regulatory expectations and gives users more visibility into how their data is used. Moreover, it reduces reliance on third-party payment infrastructure, which can lower both operational risks and long-term costs.
Whether you are building a lending platform, a digital wallet, a subscription service, or another type of fintech product, finker's API provides a single, compliant way to initiate payments across multiple banks in Europe. Furthermore, our platform includes enterprise grade security, detailed audit trails, and ongoing support to help you scale securely.
Because finker manages the complexity of bank integrations, your team can focus on product development and delivering better financial experiences. Ultimately, all of this happens with full PSD2 alignment, so you stay compliant while continuing to innovate.