# finAPI — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Fees:** 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.
- **Fee model:** flat-rate
- **Categories:** infrastructure, embedded
- **Countries served:** 13 (AT, BE, CZ, DE, ES, FR, GB, HU, IT, NL, RO, SI, …)
- **Payment methods:** bank_transfer, open_banking, sepa, sepa_direct_debit, sepa_instant

## Legal & compliance

Legal entities:
- finAPI 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/finapi#compliance.


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

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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)