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Open banking routing and electronic invoicing — live across 30 countries. Routing · invoicing · 30 countries See coverage
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Open banking routing

Route A2A payments across providers
one API, every market.

Connect checkout and collections to regulated open banking without locking into a single aggregator. StixBNK selects and fails over providers by market so payers complete SCA at their bank while you keep webhooks, references, and reconciliation in one layer. Settlement in fiat or USDC on T+5.

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40+ Countries on live coverage map
1 webhook Normalised events per collection
T+5 Merchant payout · fiat or USDC

How it works

From API call to bank confirmation.

  1. 01

    Create collection

    Your backend POSTs amount, currency, creditor reference, and redirect URLs — same shape for checkout or invoice links.

  2. 02

    Payer picks their bank

    Hosted checkout lists ASPSPs for the payer's country. No card number ever touches your domain.

  3. 03

    SCA at the ASPSP

    The payer authorises in their banking app. Status moves to authorised or failed in seconds on instant rails.

  4. 04

    Reconcile & settle

    Webhooks carry your reference through to settlement. Finance matches one line per collection, not an opaque batch.

Routing

Market-aware initiation — not a single-provider bet.

StixBNK routes payment initiation through licensed aggregators plugged into the platform. Coverage, channel health, and fallbacks stay operational — your team codes against one contract for amount, reference, status, and refunds where the rail allows.

See live coverage

Integration

One initiation call. Bank handles the rest.

Whether the journey starts from API checkout or an invoicing payment link, the payer lands on hosted checkout, completes SCA, and your systems receive the same webhook schema.

Read API docs

Use cases

Where open banking routing wins

01

E-commerce

D2C subscriptions

Move subscription and one-off orders off card rails where chargebacks and interchange erode margin — Pay by bank with bank SCA.

02

Gaming

Player deposits

Fund player wallets via account-to-account initiation in licensed markets — fewer issuer declines than card deposits.

03

Forex

Brokerage funding

Client top-ups with references mapped to trading accounts — auditable for compliance and treasury.

04

Travel

High-ticket bookings

Confirm bank-authorised payments before issuing tickets and vouchers on €1k+ baskets.

05

Invoicing

Payment links

Bill outside the cart with hosted checkout on the same routing layer — one webhook contract.

Benefits

Payments reinvented

01

Provider routing

Market-based selection and fallbacks instead of a hard-coded aggregator.

02

Mitigate fraud risk

SCA with the bank adds a strong layer; fewer raw PAN flows on your domain.

03

Broad coverage

Reach many EU & UK institutions through one API; channel health monitored for smoother UX.

04

Highly secure flows

Designed for regulated open banking with clear logging, webhooks, and operational controls.

05

Pairs with invoicing

Same hosted checkout and events for invoices and payment links.

06

We handle the heavy lift

StixBNK focuses on connectivity, security, and compliance plumbing so you ship product.

Pilot open banking routing on StixBNK with your team.

Contact sales