Pay - Powens

Pay

Offer Account to Account
real-time payments to complement conventional payment methods.

Instant account-to-account payment to keep control of flows. Get paid easily by your customers, on a website, via a link or a QR code.

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Real-time irrevocable payments

Real-time irrevocable payments offer instant processing, unlike the usual 24-48 hour SEPA delays. With an unchangeable finality, they ensure swift and reliable transfers in today’s rapid financial environment.

No beneficiary setup in the app

No more need to pre-create IBAN beneficiary in the bank app. Payment process is simplified for end users, eliminating the requirement to create and store beneficiary information for a standard SEPA transfer.

Get rid of card limits

Offer more flexible payment limits than traditional debit or credit cards. Your customers can make higher payments without being restricted by their card limits.

Automated bank reconciliation

With Payment Initiation Services, you get the unique advantage of customizing transaction labels. You can include specific payment references in the transaction label, automating the reconciliation process for unmatched efficiency.

Find out more about Pay features

Generate immediate account-to-account payment links.

Instant payments
Scheduled payments

Go to docs

The best alternative to card and SDD for subscriptions & top-ups.

Specify an amount, a frequency, and an end date,
and our API will generate a payment request instantly.

Go to docs

Trigger multiple payments to multiple beneficiaries in one go.

Build a bulk payment in one API call.
No need to set up beneficiaries.
Only one payer validation is required for all payments.
Up to 400 payments at a time.

Go to docs

How customers connect their accounts to your apps

POST /payments
{
  "client_redirect_uri": "https://mycallback.com",
  "client_state": "{optionalClientState}",
  "instructions": [
    {
      "reference_id": "{myReference}",
      "label": "Test",
      "amount": 50.90,
      "currency": "EUR",
      "execution_date_type": "first_open_day",
      "beneficiary": {
        "scheme_name": "iban",
        "identification": "FR76XXXXXXXXXXXXXXX",
        "label": "ACME Corp.",
        "merchant_scheme_name": "siren",
        "merchant_identification": "012345678"
      }
    }
  ]
}

Webview link URL

https://walleto.biapi.pro/2.0//auth/webview/en/payment/connector?s=eyJjbGllbnRJZCde

Webview link URL

https://walleto.biapi.pro/2.0//auth/webview/en/payment/connector?s=eyJjbGllbnRJZCde

Webview link URL

https://walleto.biapi.pro/2.0//auth/webview/en/payment/connector?s=eyJjbGllbnRJZCde

{
  "ref": "web",
  "state": "None",
  "payment_state": "done",
  "id_payment": "107"
}

Embed a “Pay by Bank” flow in your website or app and automatically generate a payment link with pre-filled transfer details (amount, IBAN...).

Users quickly find their bank : we highlight popular ones and provide a blazzing-fast search experience.

The user is redirected to its bank’s mobile app or website to authenticate.

The bank displays a payment summary and the user validates with biometrics, shortcode or SMS code.

You receive a payment status instantly and redirect the user to your app or website.

"With Powens, we offer a solution for the future with simple and fast payment. Go-live was flawless and everything was up and running in less than one week. We really appreciate the technical and business support that Powens has provided from the start."