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Have you looked in to "PSD2 and Open Banking regulation in Europe" ?

• Abishek_Muthian 1y ago
  I haven't, I will definitely explore it. Quick read on it seems very promising. Have you or anyone here any API in EU for getting payments directly to your bank account? I have started a discussion on this on OPH[1], I welcome any information on direct banking API in Europe in that discussion. [1] https://github.com/abishekmuthian/open-payment-host/discussions/4 https://github.com/abishekmuthian/open-payment-host/discussi...
  • Msurrow 1y ago
    Lunar Bank. I don’t have any experience integrating to their API myself but Lunar is a relatively new Danish (so EU) 100% digital bank. See https://www.lunar.app/en/personal/what-is-lunar https://www.lunar.app/en/personal/what-is-lunar They have an Open API: https://developer.openbanking.prod.lunar.app/home https://developer.openbanking.prod.lunar.app/home Edit: “new” in finance terms - started 2015.
    • Abishek_Muthian 1y ago
      This is great! Thank you. If I understood it correctly, Open Payment Host can register as a TPP and offer direct banking to its users. But a customer of lunar bank can't access the API directly?
  • _cenw 1y ago
    It sounds like you're about to reinvent Sofort, a (now defunct, or sold off at least) payment system that first worked on reverse engineered online banking and then PSD2 to mutually verify direct bank transfers.
    • Abishek_Muthian 1y ago
      Thanks for the information, Seems like Klarna the company which acquired Sofort and shut it down offers a similar service called "pay in full".