Digital Banking & Cards

Neo Banking

You can use the Neo Banking solution as a backbone to build retail or SME banking offerings. With this solution, we enable your end-customers to open and manage bank accounts in real time, identify themselves via video identification and access transactions (SEPA Direct Debit and SEPA Credit Transfer).

Clients e.g.

  • Hufsy logo
  • banqUp logo
  • Penta logo

Resource Name and Description


Businesses & Persons

Retail and business customers’ information management, during the complete customer life-cycle: from onboarding to long-term servicing.

POST /persons

Create a customer in our system with related data.

Identifications

Compliant digital Know-Your-Customer (KYC) processes for both retail and business customers.

POST /persons/:person_id/identification 

Initiate identification process (e.g. video-identification) to fulfill legally mandatory “Know-your-Customer” principal.

Accounts

Account management – both real-time information about cash movements and account statements.

POST /persons/:person_id/accounts 

Create an account of given type for an existing customer.

Transactions

Various payment methods (e.g. SEPA Credit Transfers and SEPA Direct Debits) and authorization flows.

POST /persons/:person_id/accounts/:account_id/transactions/sepa_credit_transfer 

Submit payment instruction for your customers account.

Webhooks

Real-time notifications and alerts, supporting flexible workflows and event-driven process flows.

POST /webhooks 

Subscribe to real-time notifications of specific events, e.g. every new booking (cash movement) posted on your customers’ accounts.

Debit Cards

With the debit card solution, your customers can receive Debit Mastercards connected to solarisBank accounts to be used for conducting payments at point-of-sale terminals, in e-commerce shops or for withdrawing cash at ATMs.

Clients e.g.

  • banqUp logo
  • Hufsy logo
  • Penta logo

Resource Name and Description


Create a card

Create debit cards for your retail customers, freelancers, and business customers, by providing just the cardholder’s name and a customer-defined PIN.

POST /persons/:person_id/accounts/:account_id/cards
Block and Unblock a Card

Enable your customers to block and unblock their card themselves, and give them complete control over when they use their card.

POST /cards/:card_id/block
POST /cards/:card_id/unblock
Change a Card PIN

Enable your customers to change their card PIN on the go, and give them safe and ready access to their money anytime, anywhere.

POST /cards/:card_id/change_pin 
Close a Card

When a card is lost or stolen, enable your customers to close their card and protect themselves against fraud.

POST /cards/:card_id/close
Retrieve Card Details

Retrieve card details like the card expiration date, type, status, and the associated cardholder information.

GET /cards/:card_id
back to top

PSD2-compliant Payment Services

Prepaid and Gift Cards

The prepaid and gift card solution provides you with the technical platform to collect and distribute funds for your end-customers in a compliant and automated way.

Clients e.g.

Resource Name and Description


Register a New Selling or Accepting Store

Each sending and receiving entities are registered with basic information including IBAN and also direct debit mandate data if required.

POST /entities
Create a New Gift Card

A gift card is registered to have a presentation in our systems, to which top-ups and redemptions can be linked.

POST /items 
Create a Top-Up on a Previously Registered Card

A transaction represents the positive or negative load on the card and can have additional fees associated with it.

POST /items/:item_id/transactions 
Settle Many Smaller Transactions With One Settlement

Many transactions can be bundled to a settlement, which triggers one payment, incoming through SEPA Direct Debit or outgoing via SEPA Credit Transfer.

POST /entities/:entity_id/settlements  

Peer-to-Peer Payments

The solarisBank peer-to-peer payments service lets your customers virtually send money from person-to-person. For this, the solution collects money via SEPA Direct Debit (SDD) from a sender and sends via SEPA Credit Transfer (SCT) to a receiver.

Clients e.g.

  • Cringle logo
  • Lendstar logo
  • Cashlink logo

Resource Name and Description


Register a New P2P Customer

Each sending and receiving entities are registered with basic information including IBAN and also Direct Debit mandate data if required.

POST /entities
Account Bookings

Check the underlying collection account for incoming, outgoing and possibly also returned transactions.

GET /account/bookings
Collecting and Distributing Funds

The incoming payment from the debtor and outgoing payment to the creditor of a P2P transaction can be simply executed with our settlements.

POST /entity/:entity_id/settlements

Platform & Marketplace Payments

The platform & marketplace payment solution provides you with a PSD 2 compliant technical platform for buyers (money senders) and sellers (money receivers) for processing payments for an exchange of goods or services.

Resource Name and Description


Identify a New Platform User

Use our integrated and fully digital identification service to onboard customers fully compliant.

POST /businesses
POST /businesses/:business_id/identifications
Create a Transaction

A transaction represents the positive or negative load referred to a platform transaction and can have additional fees associated with it.

POST /items/:item_id/transactions
Payout the Funds to the Receiver

Many transactions can be bundled to a settlement, which triggers one outgoing payment via SEPA Credit Transfer.

POST /entities/:entity_id/settlements

Conditional Payments

With the Conditional Payments solution, solarisBank enables digital escrow payment services for online marketplaces and platforms. These are needed whenever large volume transactions between multiple parties are involved. By processing the payment through a segregated bank account connected to an online portal, these transactions between buyers and sellers are made faster and more secure.

Resource Name and Description


Identify a New Seller

Use our integrated and fully digital identification service to onboard customers fully compliant.

POST /persons
POST /persons/:person_id/identifications
Create a Transaction

A transaction represents the positive or negative load referred to a platform transaction and can have additional fees associated with it.

POST /items/:item_id/transactions
Payout Funds to The Seller

Many transactions can be bundled to a settlement, which triggers one outgoing payment via SEPA Credit Transfer.

POST /entities/:entity_id/settlements

International Merchant Payment Solution

The International Merchant Payment Solution allows global merchants to sell directly to European customers on e-commerce platforms, and receive payments without an EU bank account. For this, solarisBank provides its partners with Virtual IBANs (vIBANs) which they can assign to merchants for incoming payments from e-commerce platforms.

Clients e.g.

  • Skyee logo
back to top

Contextual Lending

Instant Consumer Lending

The Instant Consumer Lending solution simplifies and speeds up the lending process by automating the risk assessment and digitizing the authentication and e-signing process – making this consumer credit fully digital, paperless and mobile. Customers of your business will receive a credit decision, including video identification and e-signature, in up to 7 minutes - always in the look and feel of your company and via APIs integrated into your processes and websites.

Clients e.g.

  • AutoScout24 logo
  • Verivox logo

Resource Name and Description


Credit information

By providing information about duration and amount of the loan, the API returns a unique ID to which follow up scoring and personal information will be attached.

POST /credit 
Credit scoring

This endpoint creates a new scoring process and is identified by the unique value in the id field.

POST /credit/:credit_id/score
Credit conditions

After scoring is completed and a contract offer can be made, this information is accessible here.

GET /credit/:credit_id/conditions 
Credit confirmation

After the customer has received the legal documents needed to enter the contract via email, receipt and approval of the conditions have to be confirmed.

GET /credit/:credit_id/confirm
Identification

After the customer has agreed to the terms of the provided contract, this person has to do an online identification in order to be able to digitally sign the contract.

GET /credit/:credit_id/person/identification_info

SME Lending

The SME lending solution is a fully digital lending service dedicated to the needs of small and medium enterprises, which is focused on lowering procedural expenses and an automation of the lending process.

back to top

Build your own product with our banking bricks

We treat the banking services on our platform as building blocks, which our partners can mix and match to create banking services specifically tailored to their business model. If you’re interested in building a new and pioneering product with our banking blocks (e.g. debit cards, accounts or transactions), please get in touch.

Algorithmic scoring
KYC
Banking license umbrella
Cards
Account analysis
Transactions
Accounts
E-Money license

Start building your own banking service