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GetIbans

Payment infrastructure for Europe

One platform for every way money moves.

Virtual IBANs, card processing, local payment methods and open banking, with a bridge to stablecoins. One integration, one ledger.

Talk to usExplore virtual IBANs
Bank transferSEPA · SWIFTCardsCard schemesLocal methodsLocal schemesOpen bankingPay by bankGetIbansIBAN matchedYour accountEURCrypto bridgeUSDC
Illustrative flow. Tap a node to follow its path.
  • SEPA Credit Transfer
  • SEPA Instant
  • SWIFT
  • Visa
  • Mastercard
  • 3-D Secure
  • iDEAL
  • Bancontact
  • Open banking
  • PSD2 bank APIs
  • Wallets
  • USDC
  • Stablecoin on-ramp

Products

Everything you need to take and send money.

How it works

One payment, any rail, one record.

Bank transferSEPA · SWIFTCardsCard schemesLocal methodsLocal schemesOpen bankingPay by bankGetIbansIBAN matchedYour accountEURCrypto bridgeUSDC
  1. 01

    A customer pays

    By bank transfer to their own virtual IBAN, by card, with a local method, or straight from their bank app. Four rails, one checkout.

  2. 02

    GetIbans routes it

    Every payment enters the same pipeline: authenticated, risk-checked and sent to the right scheme, acquirer or bank.

  3. 03

    It matches itself

    The payment is tied to the customer, invoice or order it belongs to, and written to one ledger. No spreadsheet reconciliation.

  4. 04

    Funds settle

    To your euro account, or through the crypto bridge to a stablecoin wallet. Your system hears about it by webhook.

For developers

Create an IBAN with one call. Hear about the payment by webhook.

Issue a virtual IBAN per customer or invoice, and get a webhook the moment money arrives, already matched. Test everything in a sandbox first.

Request sandbox accessHow virtual IBANs work
Sample request. Illustrative; the API reference is shared at onboarding.
POST /v1/virtual-ibans{  "customer_id": "cus_2481",  "reference": "INV-1042",  "currency": "EUR"}
201 Created{  "iban": "DE00 0000 0000 0000 0000 00",  "status": "active",  "reference": "INV-1042"} → webhook: payment.received

Who it is for

Built for businesses that move money across Europe.

Give every seller or sub-merchant their own virtual IBAN, take cards and local methods at checkout, and see which money belongs to whom.

Coverage

Rails and coverage

Availability depends on your business, markets and the partner set up at onboarding.

Payment rails and the product that uses them
RailProductDirection
SEPA Credit TransferVirtual IBANsCollect and pay out, EUR
SEPA InstantVirtual IBANs, crypto bridgeCollect and pay out, EUR, seconds
SWIFTVirtual IBANsInternational collections
Visa, MastercardCard processingAccept, refund, recurring
iDEAL, Bancontact, walletsAlternative payment methodsAccept, refund where supported
PSD2 bank APIsOpen bankingPay by bank, account data
StablecoinsCrypto–fiat bridgeOn-ramp and off-ramp

FAQ

Questions

What does GetIbans do?

GetIbans provides payment infrastructure for businesses: virtual IBANs, card processing, alternative payment methods, open banking and a fiat–crypto bridge, behind one integration and one ledger.

What is a virtual IBAN used for?

To give each customer, invoice or account its own account number, so incoming bank transfers are identified and reconciled automatically.

Who is GetIbans for?

Platforms, marketplaces, SaaS and e-commerce businesses, fintechs, and Web3 companies that take or send money across Europe.

How do I get started?

Contact us with a short description of your business and expected flows. After onboarding checks, you integrate by API.

Does GetIbans hold a banking licence?

Regulated services are provided through licensed banking and payment partners. Partner details are shared during onboarding.

Tell us how money should move.

Send a short description of your business and flows. We reply with what is possible and what onboarding involves.

Talk to usAbout GetIbans