Developers

Build on the Payscape APIs.

Embed payment accounts, IBANs, cards and payments into your product — white-label, API-first, ready to run.

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What you can build

Five capabilities, one integration.

Open accounts and assign IBANs

Open payment accounts and assign dedicated virtual IBANs programmatically — one per customer, payer or property.

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Create and control cards

Create virtual or physical debit cards, set spend limits, freeze, replace and manage card controls via API.

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Move money — SEPA pay-in and pay-out

Receive SEPA Credit Transfers and SEPA Instant payments; send outbound transfers individually, in bulk or on a schedule.

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Provision cards to Apple Pay and Google Pay

Push cards to the device wallet using the in-app provisioning API — no separate scheme enrolment required.

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Onboard and verify customers

Run ID&V, KYC and KYB checks at onboarding and retrieve screening and risk outcomes as structured API responses.

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Handle rule-based splits

Configure commission splits, payout rules and fund-routing logic — execute them automatically on inbound payment events.

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The API

A REST API covering the full embedded-finance stack.

The Payscape API is a single REST interface across accounts, cards, customers, corporates, in-app provisioning and credit transfers. JSON request and response bodies throughout. Standard HTTP status codes and predictable error shapes.

/v1/customers

Create, retrieve and manage customer records and KYC/KYB status

/v1/accounts

Open payment accounts, assign IBANs, query balances

/v1/cards

Issue cards, set controls, retrieve secure card data

/v1/credit-transfers

Send and receive SEPA CT and SEPA Instant transfers

/v1/corporates

Manage entity hierarchies and consolidated balances

/v1/provisioning

Push cards to Apple Pay and Google Pay wallets

Webhook eventsSandbox environmentOpenAPI spec

Payscape REST API · v1

# Create a customer and open a payment account
POST /v1/customers
Authorization: Bearer {token}
# Request body
{
  "type":       "individual",
  "email":      "jane.smith@example.com",
  "first_name": "Jane",
  "last_name":  "Smith"
}
→  201 Created
{
  "id":     "cus_01JNKX4R8VZWP...",
  "status": "pending_verification",
  "iban":   "IE29PSCP93115212..."
}

Key concepts

What you need to know before you build.

Authentication

All requests are authenticated with a bearer token. Tokens are scoped and short-lived. Refresh via the token endpoint.

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Webhooks and events

Subscribe to events — account.created, card.issued, transfer.completed — and receive signed payloads to your endpoint in real time.

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Sandbox environment

A full sandbox with simulated accounts, cards and payment flows. No real money. Test the complete integration before going live.

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Versioning

API versions are date-stamped. Breaking changes are introduced in a new version with advance notice and a supported migration period.

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Access

API or portal — your choice.

Build on the APIs

Embed accounts, IBANs, cards and payments directly into your product. REST APIs with an OpenAPI spec, webhook events for every state change, and a full sandbox to test against — your users stay in your interface throughout.

View the API reference

Operate from the portal

The same capabilities — opening accounts, issuing cards, sending payments — are available from the Control Cloud web interface. No integration required. Some teams build first, then embed; others operate from the portal throughout.

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Support

A team of experts to help you integrate.

Payscape's integration team works directly with developers: from your first API call to production go-live. They know the edge cases, the compliance requirements and the platform well enough to unblock you fast. Reach out before you start, or when you're stuck.

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Start building.

The API reference covers every endpoint, parameter and response shape. A full sandbox is available with no setup required.

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