Optimize your financial decisions throughOpen Banking
Open Banking is the future of payments and financial management. Provide your users with a smooth and secure experience while simplifying their access to banking data with Stancer.
Thebenefitsof Open Banking
Simple and fast
By centralizing and automating the collection of bank data, Open Banking reduces the risk of entering into a relationship and provides a better understanding of the customer's profile.
Enhanced security
Connections are fully secured via advanced encryption protocols, and accesses are controlled by banks through strong authentication.
Improved user experience
Payments and account verifications become more fluid, reducing friction in online transactions.
Regulatory compliance
Open Banking is governed by the European Payment Services Directive (PSD2), which guarantees that data will only be shared with the explicit consent of the user.
Access to major banks
How does open bankingworkwith Stancer?
The bank connection
The user selects his bank and gives his consent.
Secure authentication
The user is redirected to their bank for identification purposes.
Automatic access to accounts
Stancer retrieves data in accordance with the regulations.
Data exploitation
Depending on the service used, information is made available to simplify payments and financial analysis.
Many possibleuse cases
Assess solvency and reduce risk
Securely analyze yourclients’ financial profilesto better assess their creditworthiness. Make informed decisions and reduce the risk of payment defaults with reliable and verified banking data.
Contact usPersonalize your offers to build customer loyalty
Gain insights into your customers'buying habitsto deliver personalized services and offers. Enhance customer engagement and satisfaction by offering experiences aligned with their needs.
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Get a verified proof of income
Revenu Checkis a trusted third-party service that verifies the income of prospective tenants and their guarantors on behalf of landlords and real estate agencies. It issues a 30-day valid income certificate that the applicant can use to prove the authenticity of their payslips.
Learn moreCollect your payments instantly
Offer your customers asecure and instant SEPA paymentwithout manually entering your bank details. Thanks topayment initiation, they are redirected to their banking app and can authorize the transaction with a single click, ensuring you receive the payment quickly.
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Frequently askedquestions
Open Banking, by definition, is a system that allows the secure sharing of customers' bank data with authorized service providers such as Stancer. Using regulatory-compliant programming interfaces (APIs), these providers can access bank accounts and offer innovative financial services. This technologysimplifies transactions, automates financial managementandreduces fraud risks. It also offers an alternative to traditional payments by making theinitiation of paymentsdirectly from a bank account without using a credit card.
ThePSD2regulation (Payment Services Directive 2) is a European regulation aimed at enhancing the security of online payments and encouraging innovation in the financial sector. PSD2 mandatesstrong customer authenticationfor transactions, facilitates access to banking data for licensed service providers throughOpen Banking, and promotes the development of new alternative payment solutions.Thanks to PSD2, consumers benefit from a moresecure, transparent, and competitivepayment experience. You can find the full PSD2 legal texthere.
Open banking allows companies to accessfinancial data, making decision-making easier and automating processes. There are two types of companies: Payment Initiation Service Providers (PISP) and Account Information Service Providers (AISP). Open banking acceleratestransactions and bank reconciliation, while reducing costs through direct payments via API. By fosteringinnovation and collaborationwith fintechs, it paves the way for new services and growth opportunities while ensuringsafety and regulatory compliance.
To initiate a transfer using Open Banking, you first need tocreate an accountorlog in to your Stancer account. Then, you can offer bank transfer payments to your customers through ourOpen Bankingsolution. If your customer selects this payment method, they will beredirected to their bank’s website or apptoauthorize the transaction. This process issecure thanks to strong authenticationand enablesfast and efficient transactions.