French traditional banks have limited their scope to producing Open Banking APIs. Memo Bank breaks away from this trend by offering a Premium API that automates entire payments flows, thus rationalises repetitive tasks. Our Premium API has been awarded by the Trophées DAF and by The Digital Banker, thus winning unanimous acclaim among financial experts.
When specific events occur on your Memo Bank accounts, we'll send a request to your server (webhooks). These events include the creation, update, and closing of accounts (current accounts, client accounts), as well as the status (scheduled, authorised, pending, rejected, etc.) of your transfers or direct debits.
Fully automate the entire incoming and outgoing payment cycle, whether you are dealing with a single payment or thousands. Our API can automate SEPA direct debit collections from your customers or initiate SEPA standard and instant transfers. Our instant SEPA transfers of up to €100,000 are executed within seconds.
Our banking API enables you to assign a French virtual IBAN to a given client, a specific transaction, or an internal department. Your accounting and finance teams can then quickly reconcile incoming and outgoing payments, with 100% accuracy.
If you have multiple current accounts with Memo Bank, our API will help you manage your balances across these and according to targets that you've defined.
Get the details of each transaction happening on your current accounts or client accounts. Use our banking API to add supporting documents against your transactions.
As a bank, we protect your data, but unlike traditional banks, letting you access all your transaction data is not going to difficult. Our banking API mirrors the strengths of our banking platform: your data is accessible in real-time, and your operations are executed within seconds.
Our banking payment API evolves in line with our banking offer, in a seamless and rapid way, and without putting any constraints on you. Furthermore, our banking API is as reliable as EBICS or SWIFT, while ensuring a smooth customer experience. This is evidenced by our token-based authentication process which requires no human interaction from the user.
The lack of a modern and versatile banking API is leading businesses to use multiple APIs from different providers. As a result, the number of interlocutors, the level of risk and costs are all increasing. By choosing Memo Bank as your banking API provider, your costs and risks become rationalised.
Inward and outward payments are often managed through large data files. These files are then shared with banks via different interbank transmission protocol (such as EBICS), which can be a lengthy and risky process. Our Premium bank API removes all these constraints as it fully automates the execution and reconciliation of payments.
Our banking API is a REST API using JWT authentication. It has been designed and built by a team of passionate and highly-experienced engineers. To democratise and to facilitate access to innovative solutions, our team has created a clear API documentation, which is updated on a regular basis.
Integrating our banking API into your tools depends on your current settings, but we'll endeavour to making the process as quick as possible. So far, and based on our existing users, the integration of our banking API has been completed in less than 10 days. Once you are up and running with our API, our technical support team will assist you if you have any questions.
Insurance
65 employees
Paris (75)
Fintech
20 employees
Paris (75)
Health
50 employees (2024)
Paris (75)Discover how our clients accelerated their development with Memo Bank
Banking as it should be.
Memo Bank is a limited company (Société Anonyme) with an Executive Board and a Supervisory Board with a capital of €13,084,327.35 and accredited as a credit institution by the European Central Bank and regulated by the French Prudential Supervision and Resolution Authority (4 place de Budapest, 75009 Paris).
Use cases
Do you need to release orders quickly with your suppliers? Fulfill your commitments without tapping into your liquidity too early? At Memo Bank, everything is designed to accelerate your execution speed
Use cases
Do you need to release orders quickly with your suppliers? Fulfill your commitments without tapping into your liquidity too early? At Memo Bank, everything is designed to accelerate your execution speed
