Choose the right payment API model
The right model depends on regulatory status, real bank coverage and the level of control your team needs.
- Direct bank API: stronger governance, longer onboarding and heavier certification.
- Open banking: useful for ERP/invoicing use cases, bank coverage must be validated market by market.
- Aggregator PSP: faster launch, with vendor dependency and SLA clauses to negotiate upfront.
- In every model: test webhooks, reconciliation, timeout handling and incident recovery.
Contact the InstantPayReady team
Share your context (PSP, fintech, ERP/invoicing, SME), target banks and rollout timeline so we can reply with actionable next steps.
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