Your customer approves in their own bank and money lands in your account instantly. Save up to 80% versus cards, with zero chargebacks.
Let your customers transfer money easily from any device. 24/7 collection in seconds over instant rails.
Approved from your Garanti BBVA account
2.1s · end-to-end
Real-time A2A payments at lower fees; save up to 80% versus cards.
Reach 850+ banks and initiate payments on one standard; no separate integrations.
Because payment is approved in the bank, card fraud and chargeback risk disappear.
Payment Initiation lets you start an account-to-account payment straight from the user's bank account, with their approval (open banking's PIS service). It's a payment method where money moves to the recipient instantly, without the card networks. Kobaküs standardizes it in one API.
Money flows directly bank-to-bank instead of through card networks, which means lower cost, fewer declines and no chargeback risk. No card details are shared; the payment is approved in the user's own bank.
In most cases, yes. In Türkiye, FAST enables 24/7 instant transfers, so funds reach the recipient within seconds. For banks without instant rails, it falls back to standard transfer times.
Refunds are made as a fresh account-to-account transfer from the payee back to the payer. You can initiate a refund against the original transaction reference and track its status via the API.
You can query each payment's status via the API or receive instant webhook notifications (initiated, authorized, settled, failed). This automates reconciliation and order updates.
By regulation, the party offering the payment initiation service (the PISP) must be licensed. Kobaküs provides the infrastructure; a licensed partner (a bank or licensed payment institution) holds that role. Our team helps structure the right model for you.
No. Money never passes through Kobaküs; it flows directly from the payer's bank to the payee's account. Kobaküs holds no funds and is not a payment institution — it only provides the technology that initiates the payment.
Yes. Every payment is approved at the user's bank with strong customer authentication (SCA); the flow is built on FAPI 2.0, OAuth 2.0 and mTLS. No card or banking credentials are shared with Kobaküs.
You reach 850+ banks across Türkiye, the UK and the EU with one integration. See the full list by country and PIS capability on the Supported Banks page.
You start in the sandbox within minutes and can ship your first payment flow to production in days with the REST API and SDKs. One standard API covers every bank.
Test in the sandbox with a free demo account and initiate payments to 850+ banks with one API.
