Capabilities
Everything Banky does, in one list.
Everything below is something Banky does today — accepting payments across methods and markets, holding them in multi-currency accounts, and sending them back out. If a capability matters to your evaluation and is not on this page, ask us: we would rather tell you it does not exist than have you find out after you have signed.
Where you see a tag
- Straight to your bank account — pay-ins to a merchant bank account
- Held by Banky, settled to you — pay-ins to a banky account, with payouts, settlements and refunds
An untagged capability applies whichever model you are on.
Accepting payments
Every way money can come in, on one integration.
- Instant bank transfer, authorised in the payer's online banking
- Credit and debit cards
- Apple Pay and Google Pay
- Bankwire — local and SWIFT
- Pix (Brazil)
- Boleto (Brazil)
- Pago Efectivo, bank and cash (Peru)
- E-Money — balance already held on the platform
- Methods enabled per merchant and per country
- Payment status returned in the API response
Ways to collect
How you put a payment in front of somebody.
- REST API for your own checkout
- Hosted checkout page
- Payment requests
- Scan and pay — QR-initiated payments
- Sandbox environment, on request
- Configurable recipient-account overwrite
Accounts, IBANs & FX
Where the money sits once it has arrived.
- Multi-currency merchant accounts
- IBAN issuing in your own name
- SEPA — Eurozone, fast and low cost
- SEPA Instant
- SWIFT — global, multi-currency
- Local clearing
- Currency exchange between the balances you hold
- Internal and intra-account transfers
- Current available balance and payment history② — only under Held by Banky, settled to you
Payouts & refunds
Money going back out.
- Refunds to the payer
- Payouts to a recipient's bank account
- Batch and mass payouts from a file
- Bank, internal and crypto payout destinations
- Saved recipients
- Scheduled settlement to your own bank② — only under Held by Banky, settled to you
- Send from the API or by hand in the portal
Merchant portal
Where your team looks when they would rather not call the API.
- Dashboard with payment-mix and settlement analytics
- Transaction history and statuses
- Balance across currencies② — only under Held by Banky, settled to you
- Change the recipient account② — only under Held by Banky, settled to you
- Send refunds and payouts by hand② — only under Held by Banky, settled to you
- Batch overview
- Multiple users on one merchant account
- Developer settings and API access
Onboarding
What it takes to become a merchant, and what we ask for.
- Registered-company verification
- Business and ownership documentation review
- Merchant account configured per business
- Per-method and per-country enablement set with you
- Prioritised waiting list where a country is not yet supported
Security & verification
What protects a payment, method by method.
- Bank-side authorisation on instant bank transfer
- Built on top of core banks' KYC procedures
- Encrypted payer data, industry standard banking security
- No card details collected on bank-transfer payments
- No payer registration, so no payer credentials to hold
Sectors
Where this is deployed today.
- Health
- Travel
- E-Commerce
- Gaming