Premium banking API

Remove errors, streamline your processes and reduce costs with our API

Managing and reconciling payments is a painful task for finance teams, involving manual data handling and leading to costly errors. Our award-winning Premium API removes these constraints. All tasks associated in carrying out payments and their reconciliations are automated, thus eliminating risk of errors and facilitating informed decision-making.

A Premium Banking API with a broad range of uses

A multi-award-winning API

A multi-award-winning API

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.

A multi-award-winning API
Real-time notifications

Real-time notifications

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.

End-to-end management of payments

End-to-end management of payments

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.

Segmentation and reconciliation of financial flows

Segmentation and reconciliation of financial flows

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.

Multiple-accounts liquidity management

Multiple-accounts liquidity management

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.

Identification of each transaction details

Identification of each transaction details

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.

Real-time access to your data

Real-time access to your data

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.

A secured banking API

A secured banking API

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.

A secured banking API

Establishing strong foundations to manage your transactions

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Cost and risk rationalisation

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.


End-to-end automation of your transactions

End-to-end automation of your transactions

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.


A clear and accessible documentation

A clear and accessible documentation

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.


Quick and easy integration to your tools

Quick and easy integration to your tools

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.

Hundreds of companies trust Memo Bank

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Discover how our clients accelerated their development with Memo Bank

End-to-end automation of your transactions via a complete Premium Banking API

Features
  • 1

    REST API authenticated with JWT and transmitting data in JSON


  • 2

    Cash management API / Transaction banking API / Account management API


  • 3

    API to automate incoming and outgoing SEPA payments (SEPA credit transfers, SEPA direct debits)


  • 4

    End-to-end automation of transactions via API


  • 5

    Versatile, secure and scalable banking API


  • 6

    Simple and quick integration to your tools


  • 7

    Tasks executed in real time


  • 8

    Clear and accessible documentation


  • 9

    Real-time notifications via webhooks


  • 10

    Token authentication

Experience
speaks louder than words.

Ready to leave the dark side of banking behind?

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