TPP Infrastructure as a Service

Process millions of transactions per month and reduce your time to market with Enable Banking’s powerful account information and payment initiation infrastructure!

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

The 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 infrastructure, currently processing 10 million requests per month across the EEA.

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

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

And the best part? You can effortlessly leverage our infrastructure across Europe, even if you're starting in just one market.

Not a Black Box

We uphold transparency in both our operations and the connectivity we offer. Our self-service platform empowers you to efficiently address issues on your own, eliminating the need to wait for assistance.

Take control of your support experience using our intuitive self-service tools, without having to rely on our support team for issue resolution.

Compliant & Secure

We ensure ISO/IEC 27001 certification and PSD2-compliant access to ASPSPs, without relying on screen-scraping or reverse engineering.

Your traffic is managed 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.

Additionally, we offer comprehensive support to companies submitting license applications.

White-label

We operate discreetly in the background, ensuring smooth functionality without disrupting your customers' journey. We provide a “default”, simple UI for managing authorisation flows across all integrated ASPSPs. The UI is connected to your domain, offering you full control over your CSS. You can also fully override authorization flows or integrate them into existing ones.

Cost Efficient

We understand the importance of minimizing development efforts and time to market, enabling you to swiftly launch your products with ease. Rest assured, our fee structure is designed to prioritize your success – fees are only incurred for successfully initiated payments and accessible accounts, ensuring cost efficiency and maximizing 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