Welcome

Paynetics Developer Portal

Everything you need to build banking, cards and payments on Paynetics rails — APIs, SDKs, sandbox tooling and live operational status.

Issuing API Acquiring API Site map
Docs v1.0.0

Where to start

Issuing

Issuing API

Open accounts, issue cards, run transfers, onboard customers. Full BaaS surface area.

Open Issuing docs → Acquiring

Acquiring API

Online card acceptance: 3-D Secure, AVS, pre-authorisation, capture, refund and reporting.

Open Acquiring docs → Issuing

Authentication

HMAC-SHA256 signing, sandbox keys, request lifetime, signature verification.

How to authenticate → Issuing

Errors & debugging

Standard error envelope, retry semantics, request IDs, idempotency keys.

Error reference → General

Site map

Full index of every section and endpoint across both APIs in one view.

Browse the site map → General

About Paynetics

EMI & PI licensed across the EU and UK — direct issuer and acquirer, not a reseller.

paynetics.digital ↗
Discover

Our products and how you can deliver them.

Paynetics provides a modular payment infrastructure that enables you to build, launch, and scale financial products across Europe and the UK — issuing cards, managing payment accounts, enabling transfers, and acquiring payments. Every product is designed to be combined and delivered through multiple channels depending on your business model.

01
Chapter 01 · Building blocks

Products.

Four core building blocks. Use one, combine all, expand over time.

Issuing

Cards Issuing

Issue physical and virtual Visa and Mastercard cards under your own brand.

  • Virtual and physical debit cards for consumers and businesses
  • Custom card design and branding
  • Card controls, limits, and fee configuration
  • Apple Pay and Google Pay support
  • Tokenization and secure card data handling

Cards link to payment accounts or virtual accounts and support a wide range of use cases — from everyday spending to controlled business expenses.

Accounts

Payment Accounts

Open and manage payment accounts and e-money wallets for your customers.

  • Dedicated IBANs (where applicable)
  • Multi-balance account structures
  • Virtual accounts for advanced fund and card setups
  • Consumer and merchant accounts

The foundation for card usage, transfers, and settlement flows.

Transfers

Transfers

Enable domestic and international money movement across supported schemes.

  • SEPA Credit Transfers
  • Faster Payments (UK)
  • Real-time internal transfers between Paynetics accounts
  • Funding and payout flows for cards and merchants

Initiate via API and integrate into your product flows for top-ups, payouts, and peer-to-peer use cases.

Acquiring

Acquiring

Accept card payments and enable merchant acquiring services.

  • Merchant onboarding and configuration
  • Card payment processing
  • Settlement and reconciliation
  • OCT and AFT support, subject to approval

Combine with issuing and payment accounts for closed-loop or full-stack payment solutions.

02
Chapter 02 · Composition

How the products fit together.

Paynetics products are designed to work together as building blocks. A typical setup may include:

  1. 1

    Payment accounts

    The foundation for holding and moving funds.

  2. 2

    Cards Issuing

    Enable spending from those accounts.

  3. 3

    Transfers

    Top-ups, payouts, and inter-account movement.

  4. 4

    Acquiring

    Accept card payments and settle funds to merchant accounts.

Partners can start with a single product and expand over time as their use cases evolve.

03
Chapter 03 · In the wild

Typical use cases.

A broad range of use cases supported by the same rails.

01

Digital wallets and neobanks

Offer accounts, cards, transfers, and wallet payments under your own brand.

02

Embedded finance platforms

Embed cards, payouts, and accounts into non-financial products.

03

Marketplaces and platforms

Onboard merchants, accept payments, and settle funds programmatically.

04

Payout and disbursement solutions

Send funds to cards or accounts using transfers and OCT.

05

Expense management and business cards

Issue controlled cards linked to accounts with configurable limits and usage rules.

04
Chapter 04 · Go-to-market

Delivery channels.

How you deliver Paynetics products depends on your technical setup, speed-to-market and desired level of control. Channels can be used independently or combined.

Channel A

API

Integrate Paynetics directly into your product using our APIs and SDKs.

  • Fully embed payments, accounts, cards, and transfers into your product
  • Design custom user journeys and interfaces
  • Automate onboarding, configuration, and operations
  • Test and validate using a dedicated sandbox environment

Maximum flexibility — suited to partners building bespoke financial products.

Channel B

White Label App

Launch your own branded digital banking app without building from scratch.

  • Go live in as little as two months
  • Cards, accounts, and payments through a ready-made mobile app
  • Apply your branding and product configuration
  • Avoid client-side development and maintenance

Ideal for partners who want fast time-to-market with minimal engineering effort.

Channel C

BIN Sponsorship

Issue cards under a BIN sponsorship model and directly manage the issuing-processor relationship.

  • Issue payment cards using your own dedicated BIN
  • Full control of the issuing-processor relationship
  • Issue cards like a scheme member without needing to be one

Used by licensed institutions without scheme membership, or fintechs wanting full control of the issuing experience.

05
Chapter 05 · Next steps

Getting started.

  1. 1

    Understand the key concepts

    Authentication, request structure, errors, idempotency, pagination.

  2. 2

    Discover the delivery channels and products

    Pick the channel and the products that fit your business model.

  3. 3

    Design your fintech solution

    Use the API references and implementation examples to build and test on sandbox.

The rest of this documentation portal provides detailed guidance, API references, and implementation examples for each product and delivery channel.

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