Smart routing
Smart routing
Open Banking connects your checkout directly to the customer's bank. One authenticated tap moves money account-to-account - instant, final, and free of card-scheme cost.
No card networks in the path. Account-to-account rails cost a fraction of card interchange.
Funds confirmed and final the moment the customer approves in their banking app.
Strong customer authentication handled inside the bank. No card numbers ever touch you.
One consent flow plugged into thousands of banks across Europe and beyond.
Open Banking is the direct line between your storefront and the customer's bank. Instead of routing a card through schemes and acquirers, the buyer authenticates once in their own banking app and the money moves account-to-account.
Lower cost, fewer declines, no stored card data, and settlement you can see in real time - the calm Fynful dashboard shows every consent and payout the same way it shows your card flows.
Iris carries the message between worlds - Open Banking carries the payment between banks, instantly and with nothing in between.
