Resumen
fumopay is payment infrastructure built on open banking. The company accepts payments directly from customers' bank accounts, provides virtual account infrastructure and automates payouts through partners.
Open banking
With an open banking payment, the customer approves the transfer in their banking app without entering card details. For the seller these payments are usually cheaper than cards, funds arrive faster and the risk of fraudulent chargebacks is lower than with card acquiring.
Capabilities
- open banking payment acceptance;
- virtual accounts, separate account details per customer or transaction that make automated reconciliation easy;
- automated payouts processed through banking partners.
Who it is for
Listed clients include businesses in general and subscription services. For subscriptions, open banking is a useful alternative to cards because it is not affected by card expiry.
What to check
Countries, participating banks, pricing and integration options are not published. Open banking coverage varies by country, so start by asking which markets the service supports.
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