TPP Infrastructure as a Service

Use Enable Banking’s account information and payment initiation infrastructure for licensed TPPs to process millions of transactions per month and reduce your time to market!

Our non-intrusive and transparent infrastructure can allow you to delegate PSD2 API integration development and maintenance to us to focus your development resources on value-added capabilities for the API.

Enable Banking API for Licensed Companies

End-to-end traceability

Cryptography offload

ASPSP status monitoring

Automated
onboarding to ASPSPs

Sandbox environment

Data for regulatory reporting

Visibility of interaction with end-users and requests to ASPSPs’ APIs

Harmonised data, payment products and authorisation flows

Scalable Cloud Infrastructure

Unlock seamless expansion with our reach handling 10 million requests per month across EEA.

Experience the convenience of unified integration, harmonized authorization flows, data, and payment products across diverse markets and ASPSPs.

And here's the best part: you can leverage our infrastructure seamlessly throughout Europe even if you only started in one market.

Not a Black Box

We prioritize transparency in both our company and the connectivity we provide. Our self-service platform empowers you to efficiently address issues autonomously, eliminating the need to wait for assistance.

You can take charge of your support experience using our self-service tools, not having to wait for our support team to look at an issue.

Compliant & Secure

Enable Banking ensures ISO/IEC 27001 certified and PSD2-compliant access to ASPSPs, without resorting to screen-scraping or reverse engineering.

Your traffic will be handled through a dedicated single-tenant environment and smart management of eIDAS certificates, whether through Cloud HSM in AWS or GCP or through our open-source eIDAS broker.

We also provide comprehensive support to companies submitting license applications.

White-label

Enable Banking discreetly operates behind the scenes, ensuring seamless functionality without intervening your customers' journey. We provide a “default” simple UI for handling authorisation flows of all integrated ASPSP. It is connected to your domain and you get full control over CSS. You are also able to fully override authorisation flows or embed them into existing ones.

Cost Efficient

We understand the importance of minimizing development efforts and time to market, allowing you to swiftly launch your products with minimal hassle. Moreover, rest assured that our fee structure is designed to prioritize your success – only payments and accessible accounts that are successfully initiated incur fees, ensuring cost efficiency and optimizing your return on investment.

Discover our Coverage

FAQs

  • In this case Enable Banking acts as a so-called technical service provider (TSP) providing account information and payment initiation service providers the possibility to connect to a large number of ASPSPs without need to develop and maintain their own infrastructure. Our infrastructure is designed to give licensed companies robust connectivity Open Banking services they need and support their operations at scale.

  • No, it’s the same Enable Banking API. After we configure a single-tenant dedicated environment for your company, requests coming to api.enablebanking.com can be routed to this environment based on the JTW passed with each request. This routing is configurable through the control panel available to you.

  • Yes, you will get access to a number of ASPSPs' sandboxes, i.e. simulation environments provided by ASPSPs to third-party developers, and the “Mock ASPSP”, which you can manipulate through our control panel. Feel free to create an account at https://enablebanking.com/sign-in/ and register your sandbox application(s). Before your single-tenant environment is set up, you'll only have access to the shared environment. It behaves as the environment you’ll be using in future, except that customisations are not available.

  • No, that is not required. However, as a TPP, you will need to either provide Enable Banking with access to Cloud HSM in AWS or GCP or to set up an eIDAS broker, which is a microservice provided by Enable Banking. The eIDAS broker handles the cryptographic signing of requests and mTLS connections to integrated ASPSPs (Account Servicing Payment Service Providers). You can access the source code and a pre-built Docker image of the microservice on our Github repository.

    By implementing this approach, there is no need for you to entrust the private keys of your eIDAS certificates to Enable Banking.

    Alternatively, if you prefer to have Enable Banking manage the private keys of your eIDAS certificates, it is possible but would require an additional contract.

  • Yes, in a single-tenant environment it’s invisible by default, as it would use your (sub)domain for handling redirects from/to ASPSPs and there would not be any reference to Enable Banking.

  • Yes, we provide our default UI for all types of authorisation flows (redirect/decoupled/embedded), so you don't have to re-implement it (unless you really want that and would have resources). The UI is customisable with CSS.

Find more in our docs

Ready to Discuss?

Fill in the form to book a call with our team and explore Enable Banking's Infrastructure for account information and payment initiation providers.

Joonas Tomperi, CEO
joonas@enablebanking.com