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API | Open banking

A platform that operates as an API marketplace, designed to accelerate the payments and financial services ecosystem across Europe.

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Merchants and Corporate Clients

For companies across sectors seeking to transform existing business models or diversify into new areas.

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Financial Institutions

For financial institutions — and especially fintechs and start-ups — looking to create value for customers by consuming services from partner API providers.

Empowering Innovation Across Borders with SIBS API Market

Our ASPSP Footprint in Europe

Working with Account Servicing Payment Service Providers (ASPSPs) in Spain, France, and Portugal.

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Our Third-Party Provider coverage

Supporting TPPs across 20+ European markets: Germany, Austria, Belgium, Denmark, Slovakia, Slovenia, Spain, Finland, France, Ireland, Italy, Latvia, Lithuania, Luxembourg, the Netherlands, Poland, Portugal, the United Kingdom, Czechia, and Sweden.

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Born local. Grown global.

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Transactions processed from PDS2 APIs since 2018

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Bank accounts in Portugal represented

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Third party providers in the ecosystem

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Account Servicing Payment Service Provider (ASPSP) onboard

Worldwide

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Connect your business to the future.
Let’s talk?

Connect your business to the future. Let’s talk?

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The future is open: the strategic value of API marketplaces

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Resilience

  • 99% availability.
  • Isolation of ASPSP systems.
  • Three environments: Production (PRD), Quality (QLY), and Sandbox.
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Cost Reduction

  • Shared operating and development costs.
  • Tariffs aligned to customer type.
  • Infrastructure management and maintenance included.
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Service

  • Transaction monitoring and error reporting to clients.
  • 1st- and 2nd-line technical support for TPPs and banks.
  • Onboarding, including validation of TPP certificate authenticity and validity.
  • Client communications and report creation.
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Know-how

  • Dedicated support team.
  • Specialised SIBS guidance on regulatory and technical matters.
  • Management of security mechanisms.

All-in-one API market: secure, scalable,
and ready to power your digital ecosystem

Service and Support Management

  • High-availability infrastructure with backup.
  • Operational support and 1st-line technical support (8/5) for banks and TPPs.
  • 24/7 helpdesk and specialised technical support team.
  • Dedicated Project Manager during setup.
  • Dedicated Relationship Manager.
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Lifecycle Management

  • API development, approval, and publication.
  • Billing management, including bank-level rules.
  • Creation of reports mandated by the EBA and BdP.
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Security and Fraud

  • Isolation of ASPSP systems.
  • DDoS protection.
  • Request throttling.
  • TPP authentication.
  • Segregated testing environment.
  • TPP blacklist management.
  • Transaction monitoring and risk scoring (TRA).
  • Risk-scoring mechanisms to support banks’ decisions to apply SCA.

Identification of TPPs

  • Validation of TPP certificate authenticity and validity.
  • Validation of authorisation for the requested services.

Consent

  • Mechanisms for banks/ASPSPs to manage user consents.
  • Registration of consents by user/TPP/API/ASPSP.
  • Verification at each access that the user has granted consent.
  • Interface for banks/ASPSPs to cancel consents.
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