Cardflo pentru Companii care necesită Open Banking.
Open Banking reprezintă o metodă de plată sigură și eficientă, deosebit de benefică pentru companiile cu risc ridicat care caută alternative la plățile tradiționale cu cardul.
Cardflo utilizează Open Banking pentru a facilita transferurile directe de la bancă la bancă, oferind securitate sporită, costuri de tranzacție mai mici și o finalitate îmbunătățită a plăților, optimizând astfel procesarea plăților pentru comercianți.
- Industrie
- Companii care necesită Open Banking
- Categorie
- Risc ridicat
- Suport Cardflo
- Da
Prezentarea generală
Open banking represents a fundamental shift in the payments stack by allowing licensed third-party providers to access financial data and initiate payments directly from a consumer bank account.
This framework, established under PSD2, bypasses traditional card schemes by utilising the existing Faster Payments or SEPA Instant rails. For merchants in sectors sensitive to card scheme volatility, this mechanism reduces dependency on acquirers and issuers.
Unlike card transactions that involve interchange and scheme fees, open banking payments are account-to-account (A2A) transfers that settle near instantly. This architecture is particularly relevant for high-risk merchants who face elevated chargeback rates or restrictive rolling reserves.
By integrating an open banking API, a business can request authorisation directly through the customer's mobile banking application, ensuring that Strong Customer Authentication (SCA) is natively embedded into the flow. This reduces the risk of unauthorised transaction disputes while stabilising cash flow through immediate settlement.
Cum funcționează
Payment Initiation Request
The merchant initiates a Payment Initiation Service (PIS) request via their gateway. The customer elects their bank from a list of supported institutions.
The system generates a secure link or redirect that points the user toward their specific domestic banking environment or mobile application to begin the authorisation process.
Strong Customer Authentication
The user authenticates the transaction using biometrics or a passcode within their bank's own security interface. This satisfies SCA requirements under PSD2 without the friction often associated with 3DS legacy redirects.
Because the bank performs the verification, the risk of fraudulent repudiation is significantly lowered for the merchant.
Real Time Fund Validation
The PIS provider checks for sufficient funds within the customer's account before the transfer is executed. If funds are available, the bank authorises the credit transfer.
This step eliminates the 'insufficient funds' decline codes often received days after a merchant has already fulfilled an order or service.
Settlement and Notification
Funds are moved via real-time payment rails such as Faster Payments in the UK. The merchant receives a postback notification confirming the status of the transaction.
Unlike card payments that may take days to settle, these funds are typically available in the merchant's account within minutes or hours.
De ce contează
Elimination of Chargeback Risk
Traditional card payments allow for a formal dispute process where issuers can claw back funds months after a transaction. Open banking payments are push-payments initiated by the user, meaning there is no equivalent scheme-driven chargeback mechanism.
For high-risk merchants, this provides absolute payment finality and protects the bottom line from 'friendly fraud' and administrative costs associated with representment and dispute management.
Reduced Transaction Overhead
Card processing involves a complex fee structure including interchange, acquirer markups, and scheme fees. A2A payments bypass the card networks entirely, which typically results in a lower cost per transaction.
This is particularly impactful for high-volume businesses where merchant service charges (MSC) represent a significant portion of operating expenses, allowing for better margin preservation in competitive verticals.
Improved Liquidity and Cashflow
Standard merchant accounts often involve settlement delays and rolling reserves, especially for high-risk entities. Open banking facilitates direct settlement into the merchant's bank account.
By removing the intermediary holding periods imposed by acquirers, businesses can reinvest their capital faster, manage inventory more efficiently, and reduce the need for external working capital facilities to cover operational gaps.
Note de reglementare
PSD2 and PISP Licensing
In the UK and EEA, open banking is governed by the Second Payment Services Directive (PSD2). Any entity facilitating these payments must be authorised as a Payment Initiation Service Provider (PISP).
Merchants do not necessarily need their own licence if they use a licensed third-party provider, but they must ensure their partner is registered with the FCA or an equivalent European national competent authority to ensure legal compliance.
SCA Compliance Requirements
Open banking is built on the principle of Strong Customer Authentication. Under Regulatory Technical Standards (RTS), transactions must be authorised using two or more elements categorised as knowledge, possession, or inherence.
By using the bank's own app for this process, merchants automatically satisfy these legal requirements, reducing their liability for fraudulent transactions compared to non-3DS card processing.
Cazuri de utilizare
IGaming and Betting
Betting platforms utilise open banking for instant deposits and payouts. This allows users to fund accounts without card-entry friction while ensuring the operator avoids the high interchange costs and chargeback threats common in the gambling industry.
Crypto Exchanges
Virtual asset service providers rely on A2A transfers to facilitate the purchase of digital assets. Since card schemes often restrict crypto-related MCCs, open banking provides a reliable alternative for move-to-fiat and fiat-to-crypto workflows with higher authorisation rates.
Wealth Management
High-value investment platforms use open banking to move large sums that might exceed standard card limits. The native SCA process ensures that large transfers are authorised securely, reducing the operational burden of manual wire transfer verification.
Debt Recovery Services
Colleges and collection agencies implement open banking to allow debtors to make immediate, irrevocable payments. This avoids the risk of a debtor later disputing a card transaction once the collection file has been closed or updated.
În cifre
Typical savings observed when shifting volume from card-base merchant service charges to account-to-account rails, depending on the merchant's existing interchange-plus terms.
Average time for funds to reach a merchant account via Faster Payments, contrasted with the standard 2-3 day cycle for card clearing.
The effective elimination of scheme-based disputes, as open banking relies on push-transfer mechanics rather than pull-based card authorisations.
Termeni asociați
Book a scoping call to see how Cardflo would set you up.
Ce este inclus.
- Facilitați plăți directe și sigure de la bancă la bancă.
- Reduceți comisioanele de procesare a plăților comparativ cu plățile cu cardul.
- Îmbunătățiți finalitatea plăților și reduceți riscul de chargeback.
- Sporiți securitatea prin autentificarea puternică a clienților (SCA).
- Simplificați reconcilierea cu notificări de plată în timp real.
- Respectați reglementările PSD2 pentru plățile Open Banking.
- Reduced reliance on card acquirers and their associated rolling reserve requirements.
- Simplified reconciliation processes via automated webhooks and real-time status updates.
- Support for high-value transactions that typically trigger card issuer fraud blocks.
- Avoidance of MCC-specific restrictions often imposed by global card networks.
Talk to an acquiring specialist about your MID setup.
Întrebări frecvente.
Care sunt principalele beneficii ale Open Banking pentru companiile cu risc ridicat?
Open Banking oferă costuri de tranzacție mai mici, risc redus de fraudă datorită autentificării bancare directe și o finalitate îmbunătățită a plăților. Aceste beneficii sunt semnificative pentru companiile cu risc ridicat care doresc să-și optimizeze infrastructura de plată și să minimizeze pierderile.
Cum reduce Open Banking riscul de chargeback?
Plățile Open Banking sunt, în general, plăți inițiate de client (push payments), pornite direct din contul bancar al clientului cu autorizare explicită.
Acest model de debitare directă prezintă în mod inerent un risc mai mic de chargeback comparativ cu tranzacțiile bazate pe card, ceea ce este valoros pentru sectoarele cu risc ridicat.
Este Open Banking sigur pentru datele clienților?
Da, Open Banking este construit pe cadre sigure și reglementate (cum ar fi PSD2 în Europa). Utilizează criptare puternică și autentificare multi-factorială, asigurând protejarea datelor clienților și autorizarea sigură a plăților fără a partaja detalii sensibile ale cardului.
Does open banking improve authorisation rates for international customers?
Authorisation rates for open banking are often higher than cards because the transaction is authorised by the customer's own bank using biometrics. This bypasses the complex fraud-matching algorithms of issuers and third-party gateways that frequently decline high-value or cross-border card payments.
However, open banking availability is currently limited by regional regulations; while highly mature in the UK and EU under PSD2, availability in other jurisdictions depends on local central bank initiatives.
How is KYC and AML handled in an open banking transaction?
Because the funds originate from a regulated financial institution where the customer has already undergone KYC (Know Your Customer) and AML (Anti-Money Laundering) checks, the risk of dealing with unverified users is reduced.
The PISP and the merchant still hold responsibilities for transaction monitoring, but the identity verification performed by the bank at the time of account opening serves as a strong primary layer of compliance.
What is the difference between AIS and PIS in this context?
Account Information Services (AIS) allow a third party to view a customer's bank statement data, which is useful for credit scoring or automated KYB. Payment Initiation Services (PIS) actually move the money.
For businesses needing to accept payments, PIS is the relevant component. Some merchants use a combination, using AIS to verify a customer’s identity or balance before using PIS to execute the actual transfer.
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