# Powens — Payment Provider

Powens (Unnax rebranded as Powens) runs an open finance platform that combines bank data aggregation with payments. Through its licensed e-money entity it offers pay-by-bank, SEPA direct debit, instant SEPA transfers, and IBAN/virtual IBAN accounts, all accessed via API. Businesses can build these financial services into their own products without getting their own licence.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Businesses and fintech platforms in Europe, such as lenders, accounting software and property managers, that want API-based pay-by-bank, SEPA direct debit and instant transfers along with bank data aggregation.
- **Settlement time:** Funds are instantly received on your account and no-one pays interchange fees.
- **Categories:** infrastructure, baas, embedded
- **Countries served:** 7 (BE, DE, ES, FR, IT, NL, PT)
- **Payment methods:** open_banking, payment_link, qr_code, sepa, sepa_direct_debit, sepa_instant, virtual_account

## Legal & compliance

Legal entities:
- UNNAX REGULATORY SERVICES, ENTIDAD DE DINERO ELECTRÓNICO, SOCIEDAD LIMITADA — Spain — licenses: E-Money Institution, ES, BdE

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/powens#compliance.


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

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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)