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Unifiedpost Group is a world-class provider of services that leverage the full potential of open banking based on the European Union PSD2 directive (and upcoming changes, i.e. PSR and PSD3).
Banqup Transact helps clients quickly access the open banking ecosystem and analyze banking data, enabling the creation of bold and innovative solutions, as well as cross-selling and upselling of existing products and services.
Our solutions enable aggregation of data from bank accounts (AIS), initiation of payments (PIS) and generation of payment links (pay-by-link, pay-by-QR-code), which can be added e.g. on an invoice (OCS). You can find additional information about the Open banking and OCS Paymentssolutions offered here.
Check out our offer and see what benefits open banking can bring you!
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To obtain data through open banking, a TPP license is required, which is expensive and time-consuming to obtain. Fortunately, you do not need to apply for one, as we already have it. Unifiedpost is a payment institution, licensed by the National Bank of Belgium, present in almost every country in Europe (and not only). Thanks to many years of experience, we are ready to provide the best solutions perfectly tailored to the needs of a specific client - regardless of whether it is an international corporation or a smaller company focused on the local market.
Account Information Service (AIS) enables the user to be provided with information about transactions, operations and balances on specified bank accounts.
We provide access to both personal and business accounts, and support integration with over 350 banks throughout Europe. Thanks to the new regulations, all that is required is for the user to consent to the transfer of account information once every 180 days (in the future, after PSD3 comes into force, even up to 270 days).
AIS is a flexible service. It can be used, among other things, to optimize scoring processes or to automatically generate reports with a list of transactions without having to wait for a bank statement (e.g. in MT940 format). It also works great in accounting applications or document management platforms, where it allows the list of transactions to be linked to invoices entered into the system in the reconciliation process.
Payment Initiation Service (PIS) allows you to order a transfer through us.
The user selects the bank in which they maintain their account, and then confirms the transaction in online banking with the data prepared earlier, e.g. based on the paid order. This fast and convenient payment method is safe and eliminates the risk of entering incorrect transaction data.
The PIS service can be used to order transfers from both private and business accounts. It works well, for example, when paying for e-commerce orders or settling received invoices in an accounting application. Thanks to the large number of banks supported in many countries around the world and the various types of supported transfers, our partners can easily adapt it to their individual business needs. In selected markets, we also support other forms of payment, for example by card.
In the near future, we will also support additional types of payments, characteristic of business accounts, such as VAT split payments (MPP - VAT split payment mechanism), mass payments or the possibility of initiating payment of the tax due to the office.
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Open Collection Service (OCS) allows you to generate a link or QR code for payments, which can then be provided to the payer. They can be added, for example, to an issued invoice or in a payment reminder message. Thanks to the links or QR codes shared with the contractor, the transaction is then handled by our payment initiation solution. In this way, they can be completed in a simple and secure way. You can learn more about this service here.
OCS is a great solution wherever it is important to effectively reach the customer and make it easier, faster and more effective for them to make a payment. It can be used, among others, in e-commerce, invoicing programs or in services with installment or regular payments.
Using our service is very simple - just connect to a well-documented API, prepared for our partners.
You can check our documentation for the AIS and PIS services and for the OCS solution. Of course, if necessary, we will provide support in this process.
The pricing conditions are not complicated. In the case of the AIS solution, the fixed fee depends on the number of active consents at the end of each month for access to account information. And for handling PIS and OCS payments, we also charge a fixed commission regardless of the transaction amount.
Send a message straight to the Banqup Customer Support team by filling in the form with your details and query below.
