EU Instant Payments Regulation + Verification of Payee

Choose the right payment API model

The right model depends on your regulatory status, bank coverage and expected level of control.

Direct bank API: strong control, longer integration and certification.
Open banking: useful for ERP/invoicing, bank coverage must be checked.
Aggregator PSP: faster launch, vendor dependency to manage.
Always test webhooks, reconciliation, timeouts and incident recovery.