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Visma Connect PSD2 Connectivity and Processing

A faster path to PSD2

With the introduction of PSD2, financial services providers can benefit from increased connectivity, but integrating with different bank APIs is a thorny affair. With the Visma Connect Connectivity and Processing service, you can connect to banks across Europe using a simple, harmonized API.

License-holding parties, like TPPs and fintech companies, can leverage our API to initiate payments or fetch account information from multiple banks in a secure and compliant way. We take care of the integration and ongoing maintenance, so you can continue to focus on delivering value to customers.

The Visma Connect Connectivity and Processing Service features:

  • Payment Initiation
    We support payment initiation through different PSD2 APIs, enabling you to launch payments with your end-user’s consent.
  • Account Information
    With our API, you can retrieve account details, such as account holder name and account currency, and our API enables you to retrieve customers’ real-time account balance. You can also request transaction data from your users’ accounts automatically, allowing for innovative uses cases, such as account aggregation or real-time credit scoring.
  • Available 24/7, Real-Time
    We use dual data centers located in different power grids to maximize the reliability and uptime. Our systems are designed to be available 24/7, without the need for end-of day batch processing. We make use of a technology stack which is native real-time, offering you the best performance.
  • Harmonized APIs
    Forget all the differences in different bank APIs. We absorb and harmonize them, so you can do away with the confusion. We handle the mapping and message conversion, including content such as error codes, and we also harmonize all process flows, combining or splitting API calls where necessary to make it as easy as possible for you to grab the business benefits offered by PSD2.
  • Fully compliant
    We designed our API to be in full compliance with the Berlin Group Standard, as well as applicable regulation, such as PSD2 and GDPR.
    All our APIs are based on the REST protocol, including value-added services for statistical reporting and Anti-Financial Crime.
  • Security
    Security is of the highest priority for us. We are an ISO 27001-certified company. All customer data is encrypted in transit and at rest. We have integrated security tools and processes in our applications to ensure our services are as secure as can be. Our products are also pen-tested at least once a year by external experts.
  • Value-Added Services
    Visma is more than just a Technical Service Provider. Besides making PSD2 implementation easy, we offer specialized services in the field of Anti-Financial Crime, Anti-Money Laundering (AML), Sanctions Screening and Know Your Customer (KYC).

Why Visma Connect?

It’s reliable and cost effective

We provide cost-effective reach throughout Europe and with our extensive experience in qualified message exchange, we are a trustworthy partner. We have handled business critical, secure message exchange for the Dutch government for over a decade, and have vast experience in running business critical systems.

Always on

Our platform runs on two fully-redundant Tier IV (designed) data centers and industry-leading LinuxOne hardware. It is based on IBM's market-leading payment platform, FTM.


The developer is also top of mind for us. Our PSD2 Connectivity and Processing Service is built with the developer's convenience in mind. Our customers get access to a testing environment, connected to banks’ different sandbox environments, where all possible scenarios for authentication, connection, error handling, and data exchange flows are available. You can test different data sets and verify any scenario even before going live.

Stellar support

Our service comes with 24/7 service desk for support, incident management, problem management, maintenance & compliance and 24/7 infrastructure monitoring.

More value under one roof

That’s not all. You can also count on us to reduce the cost of compliance with our anti-financial crime services.