FlowPay Account Information Service (AIS)

FlowPay’s Account Information Service (AIS) enables partners to access their customers’ bank account information via API, subject to the user’s explicit consent through Strong Customer Authentication (SCA). The service allows data such as account balances and transactions to be retrieved and integrated directly into their business processes and applications.

The AIS enables a wide range of value-added services, including account aggregation, financial and cash flow analysis, accounting reconciliation, risk and creditworthiness assessment, digital onboarding, KYC/KYB, and IBAN verification. In this way, financial information from bank accounts can become a valuable data source for automating controls, streamlining administrative activities, and supporting business decisions.

The flow is simple: the user selects their bank, completes SCA, and authorizes FlowPay to access their account data; the partner then receives the information through the APIs.

A solution designed for fintech companies, software providers, and businesses that want to turn bank account data - with the customer’s consent - into faster and more personalized digital services.