Open Banking · PSD2 · Spain

Invoice collection via bank. One API. 15 minutes.

Zertiban connects your ERP or SaaS with leading banking entities via PSD2. Your customer opens the link, selects their bank and authorises payment initiation or account aggregation from their own online banking. No cards or other methods that are pricier and harder to reconcile, no complex flows. Fast, simple and secure.

• 1 API call to generate the collection
• 15 min to the first payment in production
• 0 card intermediaries

Get started

Two products, one platform

Choose the product that fits your use case. Both share the same infrastructure, credentials and webhooks.

PagaFactu: Invoice collection

Generate a payment link for an invoice with a single API call. When your customer pays from their bank with an instant transfer, you receive the notification immediately. Zero direct bank integration.

• Payment link ready to send by email or WhatsApp
• PDF with embedded QR generated automatically
• Instant webhook when the customer pays
• Scheduled payments for a future date

POST/flow/v1/flows/pagafactu ⏱ 15 min integration · View documentation →

ZertiPay: Open Banking Payments

Open Banking payment flows using Zertiban's generic API. Create a flow, deliver the URL to the payer and receive the notification of its final status when it completes. Zertiban manages the payment flow and its banking process.

• SEPA Credit Transfer initiation
• Multiple operations and recipients per flow
• Payment page and SCA managed by Zertiban
• Same HMAC-SHA256 webhooks as PagaFactu

POST/flow/v1/flows · Redsys + ING Direct · View documentation →

Which product do you need?

Feature	PagaFactu	ZertiPay
Add a page to the invoice with the payment link and QR code	✓
Ultra-fast integration	✓	✓
Multiple operations per flow		✓
Configure custom recipients and operations		✓

Not sure which one to use? Start with PagaFactu. It's the fastest path to your first collection, and you can migrate to ZertiPay at any time without changing credentials.

How it works: in 3 steps

The same flow applies to PagaFactu and ZertiPay. The difference lies in the level of control you have over the payer's experience.

1 Your ERP generates the collection

You call the Zertiban API with the invoice data. Within milliseconds you receive a payment URL (and optionally a PDF with QR for PagaFactu).

POST /flow/v1/flows/pagafactu → { url, document }

2 Your customer authorises at their bank

The customer opens the link, selects their bank and authorises the transfer using their own online banking. Zertiban manages the PSD2 connectivity. No friction, no app installs, completely secure.

Discover the banking entities integrated so far →

3 You receive an instant notification

Zertiban sends a signed webhook to your endpoint as soon as the payment is confirmed. Your ERP marks the invoice as collected automatically.

POST https://your-erp.com/webhook → OPERATION_COMPLETED

Setup common to both products

Step	Description
Step 1	Onboarding & Dashboard: Organisation · IBAN · API keys · Webhook endpoint
Step 2	OAuth2 Authentication: Client Credentials · Bearer token · Automatic refresh
Step 3	Configure Webhooks: HTTPS endpoint · HMAC signature · Automatic retries

One-time setup for both products. Once these 3 steps are complete, you unlock PagaFactu and ZertiPay simultaneously with the same credentials, without repeating any process.

Support

Channel	Details
Email	[email protected]
Sandbox Dashboard	dashboard-sandbox.zertiban.com