# Frequently Asked Questions (FAQ)

Common questions about BANKpay+ and instant payments.

## General Questions

### What is BANKpay+?

BANKpay+ is a modern payment platform that enables instant SEPA payments across Europe. We leverage open banking (PSD2) to provide real-time payment processing without cards.

### How is this different from card payments?

- **Instant Settlement**: Money arrives in real-time, not in 2-3 days
- **Lower Fees**: No card scheme fees, typically 50-80% cheaper
- **Higher Limits**: No artificial transaction limits
- **Better Security**: Bank-level authentication (SCA)
- **No Chargebacks**: Payments are final once authorized

### Which countries do you support?

BANKpay+ works across the entire **SEPA zone**:
- All 27 EU member states
- United Kingdom
- Switzerland, Norway, Iceland, Liechtenstein
- Monaco, San Marino, Andorra, Vatican City

**Total**: 36 countries covered

### Is my bank supported?

We support **95%+ of European banks** through our Banking SDK integration. Major banks include:

- **Austria**: Erste Bank, Raiffeisen, BAWAG, Volksbank
- **Germany**: Deutsche Bank, Commerzbank, Sparkasse, DKB
- **Netherlands**: ING, Rabobank, ABN AMRO
- **France**: BNP Paribas, Société Générale, Crédit Agricole
- **Spain**: Santander, BBVA, CaixaBank
- **Italy**: Intesa Sanpaolo, UniCredit
- **And many more...**

[Check your bank](/banks)

## Technical Questions

### How do I integrate BANKpay+?

Integration is simple:

1. **Sign up** for an account
2. **Get API keys** from your dashboard
3. **Follow our docs** at [/developers/docs](/developers/docs)
4. **Test** in sandbox mode
5. **Go live** when ready

Typical integration time: **2-4 hours**

### Do you have SDKs or libraries?

Yes, we provide:
- **REST API** (language-agnostic)
- **PHP SDK** (coming soon)
- **JavaScript/TypeScript** (coming soon)
- **Python SDK** (coming soon)
- **Webhooks** for real-time notifications

### What about webhooks?

We support webhooks for:
- Payment initiated
- Payment completed
- Payment failed
- Refund processed

Configure webhooks in your dashboard.

### Is there a sandbox environment?

Yes! We provide a full **test environment** with:
- Test banks
- Simulated payments
- No real money involved
- Free to use

[Get started](/try)

## Pricing & Fees

### How much does it cost?

See our [pricing page](/pricing) for detailed pricing. Summary:

- **Starter**: Free (up to 1,000 transactions/month)
- **Professional**: €29/month (up to 10,000 transactions/month)
- **Enterprise**: Custom pricing

### Are there setup fees?

**No setup fees** for any plan.

### What payment methods do you accept?

We currently support:
- **Instant SEPA** (primary)
- **Standard SEPA** (coming soon)
- **Card payments** (planned)

### Do you offer volume discounts?

Yes, enterprise customers with high volumes can negotiate custom pricing. [Contact sales](/contact).

## Security & Compliance

### Is BANKpay+ secure?

Absolutely. We implement:
- **PSD2 compliant** (regulatory requirement)
- **SCA (Strong Customer Authentication)**
- **End-to-end encryption**
- **No sensitive data stored**
- **Regular security audits**
- **ISO 27001 certified** (in progress)

### Are my funds safe?

We don't hold funds. Payments go directly from customer to merchant. We're a payment initiator, not a payment processor.

### What about GDPR?

We're fully **GDPR compliant**:
- Data minimization
- Purpose limitation
- Right to erasure
- Data portability
- Privacy by design

[Read our privacy policy](/privacy)

### Do you store my banking credentials?

**Never.** We use official Banking SDK interfaces. You authenticate directly with your bank.

## Account & Usage

### How do I create an account?

1. Click **[Get Started](/get-started)**
2. Fill in your details
3. Verify your email
4. Complete business verification
5. Start accepting payments

### Can I use BANKpay+ for personal payments?

Currently, BANKpay+ is for **business use only**. Personal P2P payments are planned for the future.

### What if I need help?

We offer multiple support channels:
- **Email**: support@bankpay.plus
- **Documentation**: [/developers/docs](/developers/docs)
- **Status Page**: [status.bankpay.plus](https://status.bankpay.plus)
- **Enterprise**: Dedicated Slack channel

## Payment Process

### How long do payments take?

- **Instant SEPA**: Real-time (seconds)
- **Settlement**: Same day or T+1

### Can customers cancel payments?

Once authorized, instant payments **cannot be cancelled**. This is a feature, not a bug - it eliminates chargeback fraud.

### What happens if a payment fails?

You'll receive an instant notification. Common failure reasons:
- Insufficient funds
- Bank authentication failed
- Daily limit exceeded
- Bank maintenance

### Do you support recurring payments?

Recurring payments (subscriptions) are in development. [Contact us](/contact) if you need this.

## Refunds & Disputes

### How do refunds work?

Process refunds from your dashboard:
1. Find the payment
2. Click "Refund"
3. Enter amount
4. Confirm

Refunds are instant SEPA payments back to the customer.

### Can I do partial refunds?

Yes, partial refunds are supported.

### What about chargebacks?

Instant SEPA payments **cannot be charged back**. This is a key advantage over card payments.

## Developer Questions

### Where is the API documentation?

Full API docs: [/developers/docs](/developers/docs)

### Do you have rate limits?

Yes:
- **Sandbox**: 100 requests/minute
- **Production**: 1,000 requests/minute
- **Enterprise**: Custom limits

### Can I white-label the solution?

Yes, enterprise plans include white-label options. [Contact sales](/contact).

### Do you have a status page?

Yes: [status.bankpay.plus](https://status.bankpay.plus)

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## Still Have Questions?

**Contact us**: [hello@bankpay.plus](mailto:hello@bankpay.plus)

**Documentation**: [/developers/docs](/developers/docs)

**Status**: [status.bankpay.plus](https://status.bankpay.plus)

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**Last updated**: February 28, 2026