PSD2 Payment Initiation API

Allow your end-customers to initiate payments directly from your app, from any EU bank account

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Payment Initiation


Reduce Friction

Deliver a frictionless checkout user experience, enable all types of payments (future dated, scheduled, bulk, etc.) and direct transfers straight from the end-customer’s bank account in any EU bank.

Lower your Costs

Eliminate payment intermediaries from the payment value chain by making account-to-account instant transfers. With Salt Edge payment initiation API you can eliminate all associated card processing fees.

Get Single Gateway to all Banks

Initiate payments on behalf of end-customers, with their consent, from any of their EU bank accounts, through a single API call. Salt Edge API supports any payment types which are provided by each single bank: one-time, future dated, scheduled, bulk payments, etc.

Increase Security

No need to stress about building a costly security system for handling end-customer’s data. Salt Edge has heavily invested in establishing bank level security which guarantees that end-customer data is safe with us.

New Payment Value Chain

The current payment chain involves too many intermediaries, which leads to an intransparent and expensive process. The PSD2 Payment Initiation API enables TPPs to deliver a frictionless and secure experience to their customers, by connecting directly to the bank.

Before PSD2
After PSD2

One Integration, Thousands of Connections


By using Salt Edge API, any authorized PISP can get instant access to all available payment initiation APIs in any bank across all the EU countries. By integrating just one API, you get access to thousands of bank connections. You will be able to accept payments and initiate transfers from end-customers’ payment accounts via Open Banking and PSD2 channels.

Your customers can pay from the account of their choice, using their familiar banking authentication methods. Salt Edge takes care of all the registration and technical connections to banks, helping you to focus on your core business.

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By Developers for Developers

Developers Layer-1 Layer-2

Salt Edge technology is built with the developer's convenience in mind. The TPP gets access to a Testing Environment with Demo Providers where all possible scenarios of authentication, connection, errors handling, and data exchange flows are emulated. Therefore, the TPP's developers will be able to test different datasets and verify any scenario even before going Live.

The easy-to-use and intuitive Client Dashboard allows TPPs to monitor all end-customers activities, as well as their bank connections and their availability. It has role-based access control, and a built-in support channel for secure and fast communication between the Client and Salt Edge.

Quick Start Guide

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PSD2 Payment Initiation API


Security and Certification

Salt Edge is a leading global financial provider that adheres to the highest international standards of privacy and security. The company is ISO/IEC 27001:2013 certified, as well as PCI DSS compliant. Salt Edge performs regular internal and external vulnerability assessments, security audits and penetration tests, executed by certified security service providers.


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Get a first-hand experience with our global leading software to see the full range of possibilities that are unlocked for you and your company

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