Pay Offer Account to Account
real-time payments to complement conventional payment methods.
Real-time irrevocable payments offer instant processing, unlike the usual 24-48 hour SEPA delays. With an unchangeable finality, they ensure swift and reliable transfers in today’s rapid financial environment.
No more need to pre-create IBAN beneficiary in the bank app. Payment process is simplified for end users, eliminating the requirement to create and store beneficiary information for a standard SEPA transfer.
Offer more flexible payment limits than traditional debit or credit cards. Your customers can make higher payments without being restricted by their card limits.
With Payment Initiation Services, you get the unique advantage of customizing transaction labels. You can include specific payment references in the transaction label, automating the reconciliation process for unmatched efficiency.
Find out more about Pay features
The best alternative to card and SDD for subscriptions & top-ups.
Trigger multiple payments to multiple beneficiaries in one go.
How customers connect their accounts to your apps
POST /payments
{
"client_redirect_uri": "https://mycallback.com",
"client_state": "{optionalClientState}",
"instructions": [
{
"reference_id": "{myReference}",
"label": "Test",
"amount": 50.90,
"currency": "EUR",
"execution_date_type": "first_open_day",
"beneficiary": {
"scheme_name": "iban",
"identification": "FR76XXXXXXXXXXXXXXX",
"label": "ACME Corp.",
"merchant_scheme_name": "siren",
"merchant_identification": "012345678"
}
}
]
} 
Build a payment link
Embed a “Pay by Bank” flow in your website or app and automatically generate a payment link with pre-filled transfer details (amount, IBAN...).
Payment details & bank selection
Users quickly find their bank : we highlight popular ones and provide a blazzing-fast search experience.
Authentication
The user is redirected to its bank’s mobile app or website to authenticate.
Payment validation
The bank displays a payment summary and the user validates with biometrics, shortcode or SMS code.
That’s it!
You receive a payment status instantly and redirect the user to your app or website.
Powens Console
User-friendly configuration of your domains, client applications, webhooks, and connectors. Complete monitoring of connection statuses.
Why Powens?
Ready to offer bank account-to-account real-time payments?
Explore our developer resources, including a test environment
