Solution blueprint

Add pay-by-bank / A2A checkout

Account-to-account payments that skip the card networks. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.

Step 1 — Payment initiation (PIS) required

Initiate bank transfers directly, or plug into a domestic A2A scheme.

Aiia EU core Denmark
Algoan EU core France
Autopay EU core Poland

Browse all: Open banking · Local payment schemes

Step 2 — Verify customers optional

Depending on flow and limits.

Authologic EU core Poland
Fourthline EU core Netherlands
iDenfy EU core Lithuania

Browse all: KYC/KYB

Sovereignty notes

The strongest sovereignty play: A2A bypasses Visa/Mastercard entirely - a domestic European rail end-to-end.

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