icon Pay

Offer Account to Account
real-time payments to complement conventional payment methods.

Instant account-to-account payment to keep control of flows. Get paid easily by your customers, on a website, via a link or a QR code.

Real-time irrevocable payments

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 beneficiary setup in the app

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.

Get rid of card limits

Offer more flexible payment limits than traditional debit or credit cards. Your customers can make higher payments without being restricted by their card limits.

icon euro powens
Automated bank reconciliation

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

Generate immediate account-to-account payment links.

  • Instant payments
  • Scheduled payments

The best alternative to card and SDD for subscriptions & top-ups.

  • Specify an amount, a frequency, and an end date,
    and our API will generate a payment request instantly.

Trigger multiple payments to multiple beneficiaries in one go.

  • Build a bulk payment in one API call.
  • No need to set up beneficiaries.
  • Only one payer validation is required for all payments.
  • Up to 400 payments at a time.


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"
screenshot of the application airfly

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.



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.

"With Powens, we offer a solution for the future with simple and fast payment. Go-live was flawless and everything was up and running in less than one week. We really appreciate the technical and business support that Powens has provided from the start."
Sylvain Bertolus
Founder & CEO - CashSentinel

Powens Console

User-friendly configuration of your domains, client applications, webhooks, and connectors. Complete monitoring of connection statuses.

Create an account and let us guide you
Setup a free sandbox in just a few clicks and use the wizard to easily test our API with real-life scenarios.
Adapt the user flow to maximize success rates. Choose the capabilities and banks to activate.
Track every payment with detailed status reports and error notifications.
Analyze aggregated volumes, amounts and success rates.

Why Powens?

API Calls
Prefooter background

Ready to offer bank account-to-account real-time payments?

Explore our developer resources, including a test environment