# BANKSapi — Payment Provider

BANKSapi is a BaFin-authorised payment institution in Germany. It offers a single API that connects to over 3,000 banks for account data and SEPA payments. Its PAY/Connect product provides Pay by Bank: account-to-account payments built on SEPA instant transfers, for online shops or the point of sale. It also sells data analytics, banking widgets and PSD2 licence-as-a-service for companies that do not hold their own licence.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Fintechs, e-commerce, ERP/accounting, lending and insurance businesses that need API access to bank account data or want to accept account-to-account Pay by Bank payments online or at the POS.
- **Settlement time:** 365 business days
- **Categories:** infrastructure, baas
- **Countries served:** 1 (DE)
- **Payment methods:** open_banking, sepa, sepa_instant

## Legal & compliance

Legal entities:
- BANKSapi Technology GmbH — Germany — licenses: Payment Institution, DE, BaFin

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/banksapi#compliance.


Canonical page: https://paymentproviders.io/providers/banksapi

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)