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infrastructure

Arcopay

Arcopay (Afterbanks Arcopay) is a Spanish open-banking provider regulated by the Bank of Spain as a payment institution. Through a REST API it offers account information (financial aggregation) and PSD2 payment initiation for account-to-account payments, plus account holder verification, downloads of Spanish Norm 43/19 files, and aggregation of non-financial data and brokerage holdings. It is part of Minsait Payments (Indra group).

Not a merchant acquirer — no applications Visit Website
Fees from
Custom pricing
Settlement
—
Coverage
9 countries
Payment methods
1
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Arcopay before signing. Visit Website is an external link; we may earn a commission.

Arcopay overview

Best for

Businesses and software platforms (e.g. banks, accounting software, lenders) that want API access to open-banking data aggregation and account-to-account payment initiation in Spain and other covered markets.

Arcopay pricing & fees

Pricing structure

Pricing
Custom pricing
Your business must be registered in
Not disclosed

Arcopay settlement & payouts

Payouts

Settlement time
Not collected yet
Settlement currencies
Not collected yet

We haven't collected settlement details for Arcopay yet. Confirm payout timing and currencies directly with Arcopay before signing.

Arcopay API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Arcopay coverage & payment methods

Supported countries

9 countries
ARCLCOESGRITMXPTRO

Payment methods

Open Banking

Arcopay licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

MORPHEUS AIOLOS, S.L.

Spain

Licenses

Payment Institution ES

Authorised Payment Institution (ES)

Bank of Spain

License numbers & register records

1 license number · 1 register record on file for Arcopay, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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