# BankPay+ Complete Platform Overview

The future of payments is here. Instant, secure, and built for Europe.

> **Last Updated**: March 5, 2026  
> **Platform Version**: 2026.1  
> **Coverage**: 36 SEPA Countries | 500+ Million People | 95%+ Banks

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## 🎯 Quick Navigation

**For Consumers** → [How to Pay](#consumer-payment-options) | [Find Banks](/banks) | [Security](#security-compliance)  
**For Businesses** → [Accept Payments](#business-solutions) | [Pricing](/pricing) | [Integration](#developer-platform)  
**For Developers** → [API Docs](/developers/docs) | [Sandbox](/try) | [SDKs](/developers)

---

## 🚀 What is BankPay+?

BankPay+ is a **next-generation payment platform** that enables instant SEPA payments across Europe. We leverage open banking (PSD2) to provide real-time payment processing without the need for cards.

### Platform Capabilities at a Glance

| Capability | Performance | Coverage |
|------------|-------------|----------|
| **Transaction Speed** | < 10 seconds | 24/7/365 |
| **Throughput** | 1,000-2,000 req/s | Auto-scaling |
| **Success Rate** | ~95% authorization | All SEPA banks |
| **Uptime** | 99.99% SLA | Multi-region |
| **Security** | 256-bit encryption | PSD2 compliant |

---

## 💳 Complete Product Suite

### Consumer Payment Options

#### 1. SEPA Instant Payments
**Real-time bank transfers across Europe**

- **Speed**: Money arrives in under 10 seconds
- **Availability**: 24/7/365 including weekends and holidays
- **Cost**: 50-80% cheaper than card payments (0.5-0.8% vs 2-3%)
- **Security**: Bank-level authentication with your own credentials
- **Coverage**: 36 SEPA countries, 95%+ of European banks

**Best For**: Online shopping, bill payments, P2P transfers, donations

[Learn More](/instant-payments) | [Try Demo](/try)

---

#### 2. EPC QR Code Payments
**Scan to pay with European Payments Council standard QR codes**

**EPC QR Code Generator** - Create Banking QR Codes
- Generate EPC-compliant QR codes for payments
- Pre-fill amount, beneficiary, reference
- Export as SVG or PNG in multiple sizes
- Save templates for recurring use
- Perfect for invoices, business cards, displays

**EPC QR Payment Scanner** - Scan and Pay
- Camera-based QR code scanning
- Automatic payment detail validation
- Direct bank transfer initiation
- Transaction confirmation and receipt
- Payment history tracking

**Best For**: In-store payments, invoice payments, donations, P2P transfers

[Generate QR Code](/epc-qr-generator) | [Pay with QR](/pay-epc)

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#### 3. Tap! - Contactless NFC
**Turn any smartphone into a payment terminal**

- **No Hardware**: Use your existing iOS or Android phone
- **Contactless**: Tap phone or card to accept payment
- **Instant Settlement**: Money arrives in seconds
- **Digital Receipts**: Automatic confirmation for both parties
- **Bank-Level Security**: NFC encryption + Strong Customer Authentication

**Best For**: Retail stores, markets, food trucks, service providers, events

[Learn More](/tap) | [Download App](/mobile)

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#### 4. Payment Links
**Shareable payment URLs in seconds**

- **No Code Required**: Create in under 30 seconds
- **Customizable**: Your branding, logo, colors
- **Flexible Amounts**: Fixed, variable, tips, donations
- **Multiple Sharing**: WhatsApp, email, SMS, social media, QR codes
- **Analytics**: Track views, clicks, and conversions

**Best For**: Freelancers, online sellers, donations, invoices, remote services

[Learn More](/payment-links) | [Create Link](/payment-links/create)

---

### Business Solutions

#### 5. Periodic Payments (Standing Orders)
**Automated recurring SEPA transfers**

**Flexible Frequencies**:
- Daily | Weekly | Bi-weekly | Monthly | Quarterly | Yearly

**Key Benefits**:
- **Push-Based**: Customer sets up from their own bank
- **No Collection Risk**: Customer ensures sufficient funds
- **Predictable Cash Flow**: Known payment dates
- **No Mandate Management**: Simpler than Direct Debit
- **Full Traceability**: Every transaction tracked

**Use Cases**:
| Industry | Application | Example |
|----------|-------------|---------|
| **SaaS** | Subscription billing | €49/month software license |
| **Real Estate** | Rent collection | €1,200/month apartment rent |
| **HR/Payroll** | Salary payments | Monthly employee salaries |
| **Utilities** | Bill payments | Quarterly electricity bills |
| **Insurance** | Premium collection | Monthly insurance premiums |
| **Non-Profit** | Recurring donations | €25/month charity support |

**Best For**: Subscription businesses, rental income, payroll, regular bills

[Learn More](/periodic-payments) | [Try Demo](/try-periodic)

---

#### 6. Invoice Agent
**AI-powered invoice processing and payment collection**

**Features**:
- **Automatic Invoice Generation**: Create from templates or data
- **Smart OCR**: Extract IBAN, amount, due dates in 2-5 seconds
- **Payment Reminders**: Automated dunning management
- **Reconciliation**: Auto-match payments to invoices
- **Multi-Channel Delivery**: Email, SMS, or postal mail
- **Payment Integration**: Embedded payment links in every invoice

**Performance**:
- 90%+ accuracy powered by Google Gemini
- Process invoices in 2-5 seconds
- Reduce manual data entry by 80%
- Cut payment collection time by 50%

**Best For**: Accounting departments, freelancers, B2B companies, property management

[Learn More](/invoice-agent) | [Start Free Trial](/invoice-agent/trial)

---

#### 7. SEPA.id
**Digital identity verification via bank account**

**Features**:
- **Instant KYC**: Verify identity in under 2 minutes
- **Bank-Based**: Use existing online banking credentials
- **GDPR Compliant**: EU-hosted, privacy-first design
- **Fraud Prevention**: Bank-level identity assurance
- **Reusable**: One verification, multiple services

**Data Verified**:
- Full name match
- IBAN ownership confirmation
- BIC bank identification
- Account status verification
- Active account confirmation

**Pricing**: €0.50 per verification vs €5-10 for manual KYC

**Best For**: Fintech onboarding, marketplace verification, age verification, fraud prevention

[Learn More](/sepa-id) | [API Access](/developers/api/sepa-id)

---

#### 8. B2B Lookup Service
**Austrian business registry integration**

**Features**:
- **Company Data Validation**: Verify business registration
- **IBAN Verification**: Confirm business bank accounts
- **UID Lookup**: VAT ID validation
- **GLN Support**: Global Location Number lookup
- **Financial Data**: Access public financial records
- **Real-Time**: Instant validation results

**Data Sources**:
- Austrian Commercial Register (Firmenbuch)
- Austrian Tax Office (Finanzamt)
- GS1 Austria (GLN registry)
- European VIES (VAT validation)

**Best For**: B2B verification, compliance checks, fraud prevention, accounting

[Learn More](/b2b-lookup) | [API Access](/b2b-lookup/api)

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#### 9. Data Certification
**Blockchain-backed proof of existence**

**Features**:
- **Austrian Public Blockchain**: Government-backed infrastructure
- **Tamper-Proof Timestamps**: Immutable proof of existence
- **Independent Verification**: Anyone can verify certificates
- **Document Hashing**: SHA-256 fingerprinting
- **Certificate Generation**: Downloadable proof certificates

**Use Cases**:
- Legal document timestamping
- Intellectual property protection
- Contract existence proof
- Compliance documentation
- Audit trail creation

**Best For**: Legal professionals, compliance officers, IP protection, document management

[Learn More](/data-certification) | [Certify Document](/data-certification/create)

---

#### 10. Cloud POS
**Cloud-based point of sale management**

**Features**:
- **Transaction Management**: Track all sales in real-time
- **Multi-Location Support**: Manage multiple stores
- **Real-Time Analytics**: Sales dashboards and reports
- **Sandbox Mode**: Test without real money
- **UUID-Based**: Unique identification per terminal
- **Offline Capable**: Process payments without internet

**Hardware Support**:
- Any smartphone or tablet
- NFC-enabled devices
- QR code scanners
- Receipt printers
- Cash drawers

**Best For**: Retail stores, restaurants, mobile vendors, service providers, events

[Learn More](/cloud-pos) | [Request Demo](/cloud-pos/demo)

---

#### 11. QR Code Analytics
**Track and analyze QR code performance**

**Features**:
- **Scan Tracking**: Time, location, device type
- **Geographic Analytics**: Heat maps by region
- **Device Breakdown**: iOS vs Android vs desktop
- **Conversion Tracking**: From scan to payment
- **Real-Time Data**: Live scan feed
- **Export Capabilities**: CSV, PDF reports
- **Performance Metrics**: ROI, engagement rates

**Metrics Tracked**:
- Total scans
- Unique scanners
- Scan location (country, city)
- Device type and OS
- Time of scan
- Conversion rate
- Revenue attributed

**Best For**: Marketing teams, campaign managers, business analysts

[Learn More](/qr-analytics) | [View Dashboard](/dashboard/qr-analytics)

---

### Developer Platform

#### 12. Agentic Commerce
**Enable AI agents to make autonomous payments**

**Features**:
- **MCP Protocol Support**: Compatible with leading AI frameworks
- **Autonomous Transactions**: AI agents can pay independently
- **Spending Limits**: Set budgets and restrictions
- **Audit Trail**: Complete transaction history
- **Secure Authentication**: OAuth 2.0 + API keys
- **Real-Time Notifications**: Webhook alerts for all transactions

**Use Cases**:
- AI shopping assistants
- Automated procurement
- Smart contract payments
- Autonomous service booking
- AI-to-AI commerce

**Best For**: AI companies, automation platforms, smart contracts, IoT devices

[Learn More](/agentic-commerce) | [API Docs](/developers/api/agentic)

---

#### 13. Developer APIs & SDKs
**Comprehensive developer tools**

**RESTful API**:
- Clean, well-documented endpoints
- OAuth 2.0 authentication
- Rate limiting and quotas
- Webhook notifications
- Sandbox environment

**SDKs Available**:
- **PHP** - Laravel, Symfony integration
- **JavaScript/TypeScript** - Node.js, browser
- **Python** - Django, Flask integration
- **Java** - Spring Boot support
- **Mobile** - iOS (Swift), Android (Kotlin)

**Developer Resources**:
- Interactive API documentation
- Code examples and snippets
- Postman collections
- SDK package managers (npm, pip, composer)
- Developer community forum

**Best For**: Developers building payment integrations, fintech apps, e-commerce platforms

[Developer Portal](/developers) | [API Docs](/developers/docs) | [Sandbox](/try)

---

## 🌍 Coverage & Support

### Geographic Coverage

**SEPA Zone - 36 Countries**:

#### European Union (27)
🇦🇹 Austria | 🇧🇪 Belgium | 🇧🇬 Bulgaria | 🇭🇷 Croatia | 🇨🇾 Cyprus | 🇨🇿 Czech Republic | 🇩🇰 Denmark | 🇪🇪 Estonia | 🇫🇮 Finland | 🇫🇷 France | 🇩🇪 Germany | 🇬🇷 Greece | 🇭🇺 Hungary | 🇮🇪 Ireland | 🇮🇹 Italy | 🇱🇻 Latvia | 🇱🇹 Lithuania | 🇱🇺 Luxembourg | 🇲🇹 Malta | 🇳🇱 Netherlands | 🇵🇱 Poland | 🇵🇹 Portugal | 🇷🇴 Romania | 🇸🇰 Slovakia | 🇸🇮 Slovenia | 🇪🇸 Spain | 🇸🇪 Sweden

#### Non-EU SEPA (9)
🇬🇧 United Kingdom | 🇨🇭 Switzerland | 🇳🇴 Norway | 🇮🇸 Iceland | 🇱🇮 Liechtenstein | 🇲🇨 Monaco | 🇸🇲 San Marino | 🇦🇩 Andorra | 🇻🇦 Vatican City

**Total Reach**: 500+ million people | 95%+ of European banks

---

### Supported Banks

We support **95%+ of European banks** including:

| Country | Major Banks Supported |
|---------|----------------------|
| 🇦🇹 **Austria** | Erste Bank, Raiffeisen, BAWAG, Volksbank, Sparkasse |
| 🇩🇪 **Germany** | Deutsche Bank, Commerzbank, Sparkasse, DKB, N26, ING, Postbank |
| 🇳🇱 **Netherlands** | ING, Rabobank, ABN AMRO, bunq, SNS, ASN |
| 🇫🇷 **France** | BNP Paribas, Société Générale, Crédit Agricole, LCL, Banque Populaire |
| 🇪🇸 **Spain** | Santander, BBVA, CaixaBank, Sabadell, Bankinter |
| 🇮🇹 **Italy** | Intesa Sanpaolo, UniCredit, Banco BPM, UBI Banca |
| 🇬🇷 **Greece** | Alpha Bank, Eurobank, Piraeus Bank, NBG |

[View All Supported Banks](/banks)

---

## 🔒 Security & Compliance

### Certifications & Standards

| Certification | Status | Description |
|--------------|--------|-------------|
| **PSD2** | ✅ Compliant | Payment Services Directive 2 |
| **SCA** | ✅ Ready | Strong Customer Authentication |
| **GDPR** | ✅ Compliant | General Data Protection Regulation |
| **ISO 27001** | ✅ Certified | Information Security Management |
| **SEPA** | ✅ Participant | Direct scheme membership |
| **PCI DSS** | ✅ Level 1 | Payment Card Industry Data Security |

### Security Measures

**Technical Security**:
- 256-bit SSL/TLS encryption (TLS 1.3)
- End-to-end encryption for all transactions
- No credential storage (bank auth is direct)
- Token-based API authentication
- Rate limiting and DDoS protection

**Operational Security**:
- Real-time fraud monitoring
- Machine learning fraud detection
- 24/7 security operations center
- Regular penetration testing
- Bug bounty program

**Data Protection**:
- GDPR-compliant data handling
- Data minimization principles
- Right to erasure support
- Data portability
- Privacy by design

---

## 💰 Pricing Overview

Simple, transparent pricing for businesses of all sizes.

| Plan | Price | Transactions | Best For |
|------|-------|--------------|----------|
| **Starter** | Free | 1,000/month | Small businesses, freelancers |
| **Professional** | €29/month | 10,000/month | Growing businesses |
| **Enterprise** | Custom | Unlimited | Large enterprises |

**Transaction Fees**:
- SEPA Instant: 0.5-0.8% (vs 2-3% for cards)
- Periodic Payments: 0.3-0.5%
- Invoice Agent: €0.50 per invoice
- SEPA.id Verification: €0.50 per check
- EPC QR: Free to generate

[View Detailed Pricing](/pricing) | [Calculate Savings](/pricing/calculator)

---

## 📊 Performance Metrics

| Metric | BankPay+ | Traditional Cards | Bank Transfer |
|--------|----------|-------------------|---------------|
| **Settlement Time** | < 10 seconds | 2-3 days | 2-5 days |
| **Transaction Fee** | ~0.15-0.8% | ~2.9% + €0.30 | €0.50-2.00 |
| **Chargeback Rate** | 0% | ~0.5% | N/A |
| **Authorization Rate** | ~95% | ~85% | N/A |
| **Availability** | 24/7/365 | 24/7/365 | Business hours |
| **Integration Time** | 2-4 hours | 1-2 weeks | 1-2 weeks |

---

## 🏆 Customer Success Stories

### Case Study 1: E-commerce Retailer

**Challenge**: High card fees and chargeback fraud  
**Solution**: BankPay+ instant payments  
**Results**:
- 73% reduction in payment costs
- Zero chargebacks
- 15% increase in conversion rate
- €50,000 annual savings

[Read Full Case Study](/case-studies/ecommerce-retailer)

---

### Case Study 2: SaaS Company

**Challenge**: Failed recurring payments  
**Solution**: BankPay+ subscription billing + Periodic Payments  
**Results**:
- 40% reduction in failed payments
- Instant settlement
- Improved cash flow by 35%
- 90% customer retention

[Read Full Case Study](/case-studies/saas-company)

---

### Case Study 3: Property Management

**Challenge**: Manual rent collection  
**Solution**: Periodic Payments (Standing Orders)  
**Results**:
- 100% on-time payments
- Zero manual processing
- €20,000 annual admin savings
- Improved tenant satisfaction

[Read Full Case Study](/case-studies/property-management)

---

## 🛠️ Integration Options

### API Integration

```bash
# Create a payment
curl -X POST https://api.bankpay.plus/payments \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 99.99,
    "currency": "EUR",
    "creditor_iban": "AT61...",
    "reference": "Order #12345"
  }'
```

[API Documentation](/developers/docs) | [Postman Collection](/developers/postman)

---

### Plugins & Extensions

| Platform | Status | Link |
|----------|--------|------|
| **WooCommerce** | ✅ Available | [Download](/developers/woocommerce) |
| **Shopify** | 🚧 Coming Soon | [Notify Me](/plugins/shopify) |
| **Magento** | 🚧 Coming Soon | [Notify Me](/plugins/magento) |
| **PrestaShop** | 🚧 Coming Soon | [Notify Me](/plugins/prestashop) |
| **Shopware** | 🚧 Coming Soon | [Notify Me](/plugins/shopware) |

---

### No-Code Options

- **Payment Links**: Create and share in seconds
- **QR Codes**: Generate and print
- **Email Invoices**: Send directly from dashboard
- **Embeddable Buttons**: Add to any website

---

## 📚 Resources

### Documentation

- [Getting Started Guide](/developers/docs)
- [API Reference](/developers/api)
- [Webhooks Guide](/developers/webhooks)
- [Error Handling](/developers/errors)
- [SDK Documentation](/developers/sdks)
- [Code Examples](/developers/examples)

### Tools

- [Sandbox Environment](/try)
- [Payment Link Generator](/payment-links)
- [EPC QR Generator](/epc-qr-generator)
- [Status Page](https://status.bankpay.plus)
- [Webhook Tester](/developers/webhooks#tester)
- [ROI Calculator](/pricing/calculator)

### Support

- **Email**: support@bankpay.plus
- **Documentation**: /developers/docs
- **Status**: status.bankpay.plus
- **Enterprise**: Dedicated Slack channel
- **Community**: forum.bankpay.plus

---

## ❓ Frequently Asked Questions

### Is BankPay+ right for my business?

If you accept payments in Europe, BankPay+ can help you save money and improve cash flow. Our typical customers save 50-80% on payment processing costs compared to cards. [Contact us](/contact) for a personalized assessment.

### How long does integration take?

Most merchants integrate in 2-4 hours using our API. Our WooCommerce plugin can reduce this to under 30 minutes. Enterprise customers typically complete integration within 1-2 weeks including testing.

### What happens if a payment fails?

You'll receive an instant webhook notification. Common failures include insufficient funds, authentication issues, or technical errors. Our dashboard provides detailed failure reasons and retry options.

### Can I use BankPay+ for refunds?

Yes, process refunds instantly via the dashboard or API. Refunds are processed in real-time and typically arrive in the customer's account within 10 seconds.

### Do you support recurring payments?

Yes! Our Periodic Payments (Standing Orders) feature supports daily, weekly, bi-weekly, monthly, quarterly, and yearly recurring payments. [Learn more](/periodic-payments)

### What are the transaction limits?

Limits vary by plan and use case:
- Starter: €1,000 per transaction
- Professional: €10,000 per transaction
- Enterprise: Custom limits

Contact us for higher limits.

### Is my data secure?

Absolutely. We use bank-level 256-bit encryption, are PSD2 compliant, and never store your banking credentials. All transactions are authenticated directly with your bank using Strong Customer Authentication (SCA).

---

## 🚀 Getting Started

### 1. Create Account

Sign up for free at [bankpay.plus](/get-started)

**Required Information**:
- Email address
- Company name
- Country of operation
- Business type

### 2. Complete Verification

Business verification takes 24-48 hours.

**Documents Needed**:
- Company registration
- ID of authorized representative
- Proof of address
- Bank account details

### 3. Get API Keys

Access your dashboard and retrieve API credentials.

**Dashboard Access**:
- API keys (test + live)
- Webhook configuration
- Transaction dashboard
- Analytics and reports

### 4. Integrate

Follow our [documentation](/developers/docs) or use a plugin.

**Integration Options**:
- REST API
- SDKs (PHP, JS, Python)
- WooCommerce plugin
- Custom integration

### 5. Go Live

Start accepting payments instantly.

**Go-Live Checklist**:
- ✅ Test transactions completed
- ✅ Webhooks configured
- ✅ Error handling implemented
- ✅ Customer support ready

---

## 📞 Contact Us

### Sales Inquiries

**Email**: sales@bankpay.plus  
**Phone**: +372-5555-1234  
**Hours**: Monday-Friday, 9:00-17:00 EET

### Support

**Email**: support@bankpay.plus  
**Documentation**: /developers/docs  
**Status**: status.bankpay.plus  
**Emergency**: 24/7 for Enterprise customers

### Company Information

**K42 Ventures OÜ**  
Registry Code: 14720608  
VAT ID: EE102161232  

**Address**:  
Sepapaja tn 6  
15551 Tallinn  
Estonia  

**Licensed By**: Estonian Financial Intelligence Unit (FIU)  
**License Number**: FVT000068  

[View on Registry](https://ariregister.rik.ee/eng) | [Regulator Info](https://fi.ee/en)

---

## 📱 Follow Us

- [LinkedIn](https://www.linkedin.com/company/bankpay-plus) - Company updates
- [GitHub](https://github.com/bankpay-plus) - Open source projects
- [Twitter](https://twitter.com/bankpayplus) - Product news
- [YouTube](https://youtube.com/bankpayplus) - Video tutorials

---

**Ready to transform your payments?**

[**Start Free Trial**](/try) - No credit card required | **Or** [**Contact Sales**](/contact) for enterprise inquiries

---

*Last updated: March 5, 2026*  
*Questions? Contact us at hello@bankpay.plus*