INSTANT BANK PAYMENTS
Make payments super smooth
Let shoppers pay instantly using their fingerprint or face ID. Remove limits for high-value transactions, and benefit from lightning-fast payment confirmation.
App-to-app enabledBiometric authentication supportedInstant settlementConverts up to 40% higher than other payment methods
PAYDIRECT
Deliver instant refunds
Give shoppers what they want: their money back in seconds, not days. Once you’ve integrated with Kobakus you can initiate refunds instantly and seamlessly with no need for manual data entry.
Lower cost payments
Deliver real-time account-to-account payments with reduced transaction fees and fewer chargebacks.
Seamless data aggregation
Access broadest connectivity to all banks for actionable account and transaction data.
Complete compliance
Meet regulation, and create new opportunities with account information and payment initiation.
Eliminate fraud
Authenticate accounts and payments directly with the bank, slashing fraud and chargebacks and saving you 0.5% – 1% of revenues.
Bank-grade security
Our APIs are Open Banking and PSD2 compliant across Europe ensuring secure access to the financial system.
Completely white-label
Own your customer journey end-to-end. Easily configure authentication flows to match your brand.