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Have you looked in to "PSD2 and Open Banking regulation in Europe" ?

I haven't, I will definitely explore it. Quick read on it seems very promising.

Have you or anyone here any API in EU for getting payments directly to your bank account? I have started a discussion on this on OPH[1], I welcome any information on direct banking API in Europe in that discussion.

[1] https://github.com/abishekmuthian/open-payment-host/discussi...

Lunar Bank.

I don’t have any experience integrating to their API myself but Lunar is a relatively new Danish (so EU) 100% digital bank. See https://www.lunar.app/en/personal/what-is-lunar

They have an Open API: https://developer.openbanking.prod.lunar.app/home

Edit: “new” in finance terms - started 2015.

This is great! Thank you.

If I understood it correctly, Open Payment Host can register as a TPP and offer direct banking to its users. But a customer of lunar bank can't access the API directly?

It sounds like you're about to reinvent Sofort, a (now defunct, or sold off at least) payment system that first worked on reverse engineered online banking and then PSD2 to mutually verify direct bank transfers.

Thanks for the information, Seems like Klarna the company which acquired Sofort and shut it down offers a similar service called "pay in full".

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