Bypass the Card Networks. Settle Instantly.
Pisria provides enterprise-grade Open Banking API infrastructure. Initiate account-to-account (A2A) payments with zero chargeback risk, flat-rate pricing, and T+0 settlement speeds. Stop paying a percentage of your volume to intermediaries.
Chargeback rate on native A2A transactions routed via Pisria.
Average settlement time to your corporate treasury account.
Why 2% interchange is an architectural failure, not a cost of doing business.
The Margin Tax
Card networks charge an ad-valorem (percentage) fee. As your order value scales, their take scales. Processing a €5,000 transaction costs 100x more than a €50 transaction, despite requiring the exact same byte of data transfer.
The Dispute Asymmetry
Card networks are structurally biased toward consumers in chargeback disputes. High-volume merchants bear the operational cost of dispute resolution, false positives, and reserve holds.
The Settlement Lag
Legacy acquirers hold funds for T+2 to T+7. You are effectively issuing uncompensated short-term loans to your payment processor. A2A settles in seconds via SEPA Instant or Faster Payments.
Direct Bank Integration. No Middlemen.
Pisria connects directly to 4,000+ banks across the UK and EU. Our API normalizes disparate bank APIs into a single, unified endpoint.
- + 99.99% API Uptime SLA
- + Native PSD2 / SCA compliance
- + Fallback routing to standard SEPA
- + Webhook notifications in < 150ms
POST /v1/payments/initiate
Host: api.pisria.com
Authorization: Bearer sk_live_...
{
"amount": 250000,
"currency": "EUR",
"creditor_account": {
"iban": "DE89370400440532013000"
},
"reference": "INV-2023-891",
"redirect_uri": "https://merchant.com/callback"
}
Economics of Payment Initiation
A deterministic comparison of processing €10M in monthly volume (Avg Order Value: €500).
| Metric | Legacy Acquirer (Cards) | Pisria (A2A) | Net Difference |
|---|---|---|---|
| Processing Fee | ~1.5% + €0.20 | €0.15 flat | - 98% fee reduction |
| Total Monthly Cost | €154,000 | €3,000 | + €151,000 to bottom line |
| Chargeback Liability | Merchant bears 100% | Zero (Cryptographically verified) | Eliminates reserve holds |
| Settlement Speed | T+3 Days | Instant (T+0) | Improved working capital |
* Assumptions based on blended EU card rates. Use our calculator for exact modeling.
High-Risk, High-Volume?
Industries like crypto on-ramps, iGaming, and high-ticket B2B are penalized by card networks with rolling reserves up to 10% and inflated basis points. Pisria does not judge the underlying business model, provided KYC/AML compliance is met. Funds push directly from the user's bank.
Read our High-Risk Merchant Guide →Stop funding the dispute industry.
Every chargeback costs you the lost inventory, the lost revenue, and a €15-€30 dispute fee. You spend hours assembling compelling evidence, only for the issuing bank to rule in favor of their client. Payment initiation requires Strong Customer Authentication (SCA) at the bank level before funds leave. The authorization is irrevocable.
Conversion Rates in A2A
A common misconception is that bank redirection harms checkout conversion. With the proliferation of mobile banking apps and biometric authentication (FaceID/Fingerprint), A2A often yields higher conversion than manual 16-digit card entry.
- No expired cards: Bank accounts do not expire.
- No insufficient limits: Card limits often block high-ticket purchases, whereas bank accounts draw on total available balance.
- No manual entry: App-to-app redirection flows require zero keystrokes.
Interactive: Quick Fee Calculator
Calculate your potential savings by moving volume from cards to Pisria A2A.
Assuming legacy blended fee of 1.5% + €0.20 per txn vs Pisria flat €0.15.
Architected for Resilience
Our infrastructure is designed for enterprise merchants processing over €1M/month. We run active-active clusters across multiple AWS regions and maintain direct ISDN fallbacks to major clearing banks.
1. Automatic Failover
If a target bank's Open Banking API goes down, our gateway can seamlessly fall back to screen-scraping vectors (where permitted) or prompt standard SEPA manual entry flows.
2. Webhook Delivery Guarantee
Payment status webhooks are delivered within 150ms of bank confirmation, backed by a Kafka queue that automatically retries with exponential backoff up to 72 hours.
3. Sandbox Parity
Our sandbox environment accurately simulates edge cases, timeout errors, and rejected funds, allowing your engineering team to build robust state machines.
Ready to rip out the margin tax?
Integration takes an average of 4 days for a senior engineering team. We provide dedicated slack channels and solution architects.
Request Sandbox AccessFrequently Asked Questions
What happens to refunds?
Refunds are issued programmatically via our payout API directly back to the source IBAN, settling via SEPA Instant or Faster Payments.
Are you a bank?
No, Pisria is a regulated Payment Initiation Service Provider (PISP) and Account Information Service Provider (AISP) under PSD2.
Do you support recurring payments?
Yes, via Variable Recurring Payments (VRP) in the UK and specific recurring mandates in the EU, allowing subscription logic without card numbers.
How do you handle currency conversion?
We support native settlement in EUR and GBP. Cross-currency payments are executed at interbank spot rates plus a transparent 0.3% markup.
Data Sovereignty and PSD2
We believe financial data belongs to the user, not the bank. Pisria's Account Information Services (AIS) allow you to securely query balance checks before initiating a payment, practically eliminating insufficient funds (NSF) failures.
Our API is built on the principle of minimal data retention. We process the payload, cryptographically verify the signature with the central bank directory, and execute. We do not sell data.
Reconcile in Real-Time
Legacy accounting involves downloading CSV MT940s at T+3 and attempting to match batch payouts against thousands of distinct orders. Pisria assigns a unique, immutable reference to every API call.
| Event | Latency | Accounting Impact |
|---|---|---|
| Authorization | < 500ms | Inventory marked as sold. |
| Bank Clearing | < 2s (SEPA Inst) | Funds transit scheme network. |
| Webhook Fired | + 150ms | State machine updates to PAID. |
| Settlement | T+0 | Funds visible in corporate treasury. |
Built for Scale, Not Small Business
Pisria does not support micro-merchants or physical point-of-sale hardware. We focus exclusively on digital enterprise volume where a 1% margin improvement translates to millions in EBITDA.
Volume Tier 1
Standard SLA, self-serve dashboard, API keys.
Volume Tier 2
Dedicated TAM, custom rate limits, localized IBAN routing.
Enterprise
On-premise edge nodes, volume discounting, board-level SLAs.