Payments Icon
Payments
Exemplary frontends of our partners

Customize your payment service

Our APIs disappear behind your front end allowing you to customize the customer journey to match your look and feel. Your customers’ payment requests are executed in near real time via transparent API calls.

Our Payments APIs

Your Situation icon

Your Situation

Any business that uses a bank account for the remittance of money from senders to receivers is subject to regulation (e.g. PSD2) and is required to hold a payment institution license. This includes, for example, P2P providers, online marketplaces, gift card providers and crowdfunding platforms.

Our Solution icon

Our Solution

We provide you with a API accessible collection account that is configured to your business model, enabling you to offer a scalable and fully digital service to your customers. The account is credited and debited automatically upon payment initiation by your customer.

Your Benefits icon

Your Benefits

Versatility: Our highly standardized, yet versatile APIs adapt to your use case.
Licensing: Reduce compliance risk and costs by working with us as your licensed banking partner.
Mix and Match: Combine our Payments API with other solarisBank services like our digital KYC Platform.

Enabling your use case

Prepaid and Gift Cards

The prepaid and gift card solution provides you with the technical platform to collect and distribute funds for your end-customers in a compliant and automated way.

Resource Name and Description


Register a New Selling or Accepting Store

Each sending and receiving entities are registered with basic information including IBAN and also direct debit mandate data if required.

POST /entities
Create a New Gift Card

A gift card is registered to have a presentation in our systems, to which top-ups and redemptions can be linked.

POST /items 
Create a Top-Up on a Previously Registered Card

A transaction represents the positive or negative load on the card and can have additional fees associated with it.

POST /items/:item_id/transactions 
Settle Many Smaller Transactions With One Settlement

Many transactions can be bundled to a settlement, which triggers one payment, incoming through SEPA Direct Debit or outgoing via SEPA Credit Transfer.

POST /entities/:entity_id/settlements  

Platform & Marketplace Payments

The platform & marketplace payment solution provides you with a PSD 2 compliant technical platform for buyers (money senders) and sellers (money receivers) for processing payments for an exchange of goods or services.

Resource Name and Description


Identify a New Platform User

Use our integrated and fully digital identification service to onboard customers fully compliant.

POST /businesses
POST /businesses/:business_id/identifications
Create a Transaction

A transaction represents the positive or negative load referred to a platform transaction and can have additional fees associated with it.

POST /items/:item_id/transactions
Payout the Funds to the Receiver

Many transactions can be bundled to a settlement, which triggers one outgoing payment via SEPA Credit Transfer.

POST /entities/:entity_id/settlements

Conditional Payments

With the Conditional Payments solution, solarisBank enables digital escrow payment services for online marketplaces and platforms. These are needed whenever large volume transactions between multiple parties are involved. By processing the payment through a segregated bank account connected to an online portal, these transactions between buyers and sellers are made faster and more secure.

Resource Name and Description


Identify a New Seller

Use our integrated and fully digital identification service to onboard customers fully compliant.

POST /persons
POST /persons/:person_id/identifications
Create a Transaction

A transaction represents the positive or negative load referred to a platform transaction and can have additional fees associated with it.

POST /items/:item_id/transactions
Payout Funds to The Seller

Many transactions can be bundled to a settlement, which triggers one outgoing payment via SEPA Credit Transfer.

POST /entities/:entity_id/settlements

Your Business

No matter what your business case is, our standardized yet versatile APIs adapt to your payment structure to enable a fast and scalable service for your customers.

Let's build your payment service together

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