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infrastructure

finAPI

finAPI is a Munich-based, BaFin-licensed open banking provider offering APIs for account information access and payment initiation. Its Payment API lets businesses integrate SEPA transfers, bulk transfers, standing orders, instant payments and single or collective SEPA direct debits into online store check-outs and accounting software. It also offers data intelligence (categorization, cash flow and risk reports), KYC identity checks (GiroIdent, IBAN Name Check) and an XS2A interface for banks.

Not a merchant acquirer — no applications Visit Website
Fees from
Payments (Non-e-commerce / Retail / Add-on Payment): Basic licence up to 200 payment orders (monthly flat rate) €50 / €50 + 0.5 % / €20; Basic licence up to 1,000 payment orders (monthly flat rate) €250 / €250 + 0.5 % / €100; from 1,001 to 5,000 payment orders per payment order €0.25 / €0.25 + 0.5 % / €0.10; from 5,001 to 10,000 €0.22 / €0.22 + 0.5 % / €0.10; from 10,001 to 25,000 €0.20 / €0.20 + 0.5 % / €0.10; from 25,001 to 50,000 €0.18 / €0.18 + 0.5 % / €0.10; from 50,001 to 100,000 €0.16 / €0.16 + 0.5 % / €0.10; from 100,001 €0.14 / €0.14 + 0.5 % / €0.10. Conditions for other sectors (e.g. travel, content or gambling) or payment service providers (PSP) on request.
Settlement
—
Coverage
13 countries
Payment methods
5
Dev tools
Sandbox Webhooks

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

finAPI overview

Best for

Businesses and software providers in Europe that want to add account-to-account SEPA transfers, direct debits, instant payments and bank-account data access to online stores or accounting workflows via API.

finAPI pricing & fees

Pricing structure

Pricing
Payments (Non-e-commerce / Retail / Add-on Payment): Basic licence up to 200 payment orders (monthly flat rate) €50 / €50 + 0.5 % / €20; Basic licence up to 1,000 payment orders (monthly flat rate) €250 / €250 + 0.5 % / €100; from 1,001 to 5,000 payment orders per payment order €0.25 / €0.25 + 0.5 % / €0.10; from 5,001 to 10,000 €0.22 / €0.22 + 0.5 % / €0.10; from 10,001 to 25,000 €0.20 / €0.20 + 0.5 % / €0.10; from 25,001 to 50,000 €0.18 / €0.18 + 0.5 % / €0.10; from 50,001 to 100,000 €0.16 / €0.16 + 0.5 % / €0.10; from 100,001 €0.14 / €0.14 + 0.5 % / €0.10. Conditions for other sectors (e.g. travel, content or gambling) or payment service providers (PSP) on request.
Your business must be registered in
Not disclosed

finAPI settlement & payouts

Payouts

Settlement time
Not collected yet
Settlement currencies
Not collected yet

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

finAPI API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

finAPI coverage & payment methods

Supported countries

13 countries
ATBECZDEESFRGBHUITNLROSISK

Payment methods

Bank TransferOpen BankingSepaSepa Direct DebitSepa Instant

finAPI licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

finAPI GmbH

Germany

Licenses

Payment Institution DE

Authorised Payment Institution (DE)

Federal Financial Supervisory Authority (Germany)

License numbers & register records

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

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