PaymentsNova · Market Infrastructure
European Payments: Open Banking, SEPA & Cards
Evaluate Open Banking, SEPA and card infrastructure for European payment flows.
Highlighted rail / methodOpen Banking / SEPA
Design the complete flow
The local method is only one layer. Gateway/PSP, acquiring where applicable, routing, reconciliation, settlement and operational continuity also matter.
Customer→Open Banking / SEPA→PSP / Gateway→Settlement
Architecture questions
Who can onboard this merchant?Which methods does the customer need?Which settlement currency does the operation need?Is there real redundancy?How is the flow reconciled?What changes by industry?