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Open Banking

Leverage secure, account-to-account (A2A) payments and real-time data to automate your entire collection flows.

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High-performance payment infrastructure for ambitious businesses

Instant Settlement

Funds move directly from bank to bank via SEPA Instant, bypassing traditional delays.

High Conversion Rates

A frictionless, redirect-based checkout experience optimized for both mobile and web environments.

Lower Processing Costs

Completely bypass expensive card networks and interchange fees to protect your profit margins.

Real-Time Reconciliation

Instantly match incoming payments with orders via automated webhooks, keeping your operations moving at speed.

The figures behind our industry impact

Chargeback Risk

0

Settlement Time

<10s

PSD2 Compliant

100%

In Partnership With:

Instant Account-to-Account Payments

Accelerate your cash flow with instant bank-to-bank transfers. Built on robust Open Banking infrastructure, we eliminate legacy friction to ensure real-time settlement of your funds.

Open Banking Features

The engineered way to bypass card networks and collect directly.

01

Seamless API Integration

Connect our Open Banking API to easily embed direct bank transfers into your existing software or checkout flow.

02

Broad Bank Coverage

Access thousands of major European banks through a single, unified integration.

03

Chargeback Elimination

Because payments are authenticated directly by the user's native bank app, fraudulent chargebacks are eliminated.

04

White-Label Ready

Maintain your brand's look, feel, and trust throughout the entire payment initiation journey.

Contact our team to learn more

Savvas Hadjiminas

Cyprus Representative

Mykola Yefimenko

Sales & Key Accounts

Justinas Stasys

Head of Sales

Ioannis Chatziathanasiou

Chief Business Development Officer
Contact Sales

Key Information at a Glance

  • It eliminates expensive card network and interchange fees by facilitating direct bank-to-bank transfers, offering a streamlined alternative to traditional card networks.

  • Authentication is handled securely through your own bank’s interface using Strong Customer Authentication (SCA).

  • Our infrastructure provides extensive coverage across the European Economic Area (EEA), connecting to thousands of major banks via a single integration.

Ready to Optimize Your Checkout?

Speak with our team about integrating Open Banking into your payment infrastructure.

Contact Sales

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Test your knowledge on fraud prevention

Digital banking makes life easier — but also riskier. Take this short quiz to test your fraud awareness and learn simple ways to protect yourself online.

Please find test answers below and good luck!

  1. 1.

    What is the best practice for creating a strong password for your online account?

    1. 1.

      Use your birthdate and a simple word

    2. 2.

      Use a combination of letters, numbers, and special characters

    3. 3.

      Use the same password for all your accounts for convenience

    4. 4.

      Use only numbers

  2. 2.

    What is a recommended step when using public Wi-Fi to access your financial accounts?

    1. 1.

      Log in to your accounts only if you are using a VPN

    2. 2.

      Avoid accessing any financial accounts on public Wi-Fi

    3. 3.

      Use a public Wi-Fi network even if it is unsecured

    4. 4.

      Only use public Wi-Fi for non-sensitive transactions

  3. 3.

    What is a common indicator of a phishing attempt?

    1. 1.

      An email from a known contact asking for verification

    2. 2.

      An email with urgent language asking you to confirm your account details

    3. 3.

      A phone call from your bank asking you to update your information

    4. 4.

      A notification from your bank’s app about a new feature

  4. 4.

    Which of the following actions is a sign that your account may be compromised?

    1. 1.

      Receiving a confirmation email for a transaction you didn’t make

    2. 2.

      Regularly receiving marketing emails from your bank

    3. 3.

      Seeing advertisements for products you recently searched online

    4. 4.

      Noticing minor changes in the colour scheme of your bank’s website

  5. 5.

    Which of the following is a good practice for managing your account security?

    1. 1.

      Sharing your account password with close friends for convenience

    2. 2.

      Regularly updating your security questions and answers

    3. 3.

      Using the same security questions for multiple accounts

    4. 4.

      Keeping your password written down near your computer for easy access

  6. 6.

    What should you do if you suspect your account details have been stolen?

    1. 1.

      Immediately call your bank to report the issue and freeze your account

    2. 2.

      Wait and see if any suspicious activity occurs

    3. 3.

      Change your password and continue using the account as usual

    4. 4.

      Post about the issue on social media to warn others

  7. 7.

    What is two-factor authentication (2FA)?

    1. 1.

      A method to recover a forgotten password

    2. 2.

      A security process that requires two separate forms of identification

    3. 3.

      A way to encrypt your emails

    4. 4.

      A feature that automatically logs you out after inactivity

  8. 8.

    Why is it important to keep your software and apps up to date?

    1. 1.

      To access new features and improve performance

    2. 2.

      To ensure compatibility with your device

    3. 3.

      To protect against vulnerabilities and security threats

    4. 4.

      To avoid advertisements

  9. 9.

    How should you respond to unexpected account alerts or notifications?

    1. 1.

      Ignore them if you are not expecting any changes

    2. 2.

      Verify the alert by contacting your bank using the phone number on their official website

    3. 3.

      Click on any links in the alert to follow instructions

    4. 4.

      Forward the alert to your friends to check if they received similar notifications

  10. 10.

    What should you do if you receive an email from your bank with a link to a login page?

    1. 1.

      Click the link to check if it leads to your bank’s official site

    2. 2.

      Copy the link and paste it into your browser to verify its authenticity

    3. 3.

      Visit your bank’s website directly by typing the URL into your browser and log in from there

    4. 4.

      Open the link in an incognito window to avoid detection of fraud

If you have any questions about the quiz or need more information, don’t hesitate to reach out to us. You can contact us at support@vialet.eu for personalised assistance. If you didn’t pass the quiz, don’t worry – you can learn more about the key topics on our website.