Open Finance Platform

RoxPay & Fabrick: Open Finance for Payments

The integration between RoxPay's advanced gateway and Fabrick's open finance platform enables banks, fintechs, and enterprises to deliver seamless, secure, PSD2-compliant payment experiences.

100K+

Clients served

300+

Ecosystem partners

-70%

Fees vs cards

Instant

Fund settlement

The Partner

The platform connecting the financial world

Fabrick is Italy's leading Open Finance platform. Founded in 2018 and part of Sella Group, it connects banks, financial institutions, corporates, and startups through easily integrable APIs. With over 100,000 clients served and an ecosystem of 300+ partners, Fabrick enables Open Banking, Open Payment, Verification of Payee services and more.

Open Banking Open Payment Tap to Pay Verification of Payee

Open Banking

PSD2 APIs for A2A payments

Open Payment

Digital collections & payments

Verification of Payee

Beneficiary verification

Tap to Pay

Contactless payments

Unified Checkout

Cards, digital wallets, and A2A bank transfers in a single checkout flow

PSD2 Compliant

Strong customer authentication and secure access to banking data

Auto Reconciliation

Automatic matching between payments and accounting documents

The Partnership

Payment infrastructure and Open Finance integrated

The collaboration between RoxPay and Fabrick combines RoxPay's payment orchestration expertise with Fabrick's open finance infrastructure. The result is an end-to-end platform that allows merchants to accept payments via cards, digital wallets, and instant bank transfers from a single integration, with full PSD2 compliance and direct access to customer bank data for verification and automatic reconciliation.

Technical Integration

Open Banking APIs and Unified Gateway

The integration leverages Fabrick's PSD2 APIs to enable account-to-account (A2A) payments and Account Information services directly in the RoxPay checkout. Merchants benefit from a single SDK that handles cards, open banking, and wallets, with advanced tokenization and dynamic 3D Secure to maximize conversions and reduce fraud.

Open Banking PSD2

Direct A2A payments with strong customer authentication from the payer's banking app

Verification of Payee

Real-time beneficiary identity verification before payment execution

Account Information

Secure access to bank data for credit scoring and automatic reconciliation

Instant Settlement

Instant fund crediting via SEPA Instant Credit Transfer

Unified SDK

Cards, wallets, and open banking managed from a single SDK with advanced tokenization

Dynamic 3D Secure

Risk-based authentication to maximize conversions and reduce fraud

The Benefits

Lower fees and higher conversions

Integrating Fabrick's A2A payments into the RoxPay gateway means offering customers an alternative payment method to cards with fees up to 70% lower. The user experience is optimized: the payer authorizes the transfer from their banking app with a tap, settlement is instant, and reconciliation is automatic.

What is Fabrick and what does it do?

Fabrick is Italy's leading Open Finance platform. It provides APIs and services enabling banks, fintechs, and enterprises to integrate innovative financial services such as Open Banking, instant payments, and Verification of Payee.

What are the benefits of the RoxPay-Fabrick integration?

The integration provides a unified checkout supporting cards, wallets, and A2A payments with a single technical integration. Merchants benefit from reduced fees on bank payments, instant settlements, and automatic transaction reconciliation.

Are A2A payments via Fabrick secure?

Absolutely. A2A payments leverage Strong Customer Authentication (SCA) required by PSD2, with authorization directly from the payer's banking app. No sensitive card data is shared, and chargeback risk is eliminated.

Do I need to switch banks to use this solution?

No. Fabrick is connected to all major European banking institutions via PSD2 APIs. Your customers can pay from their own bank and you receive funds in your regular account.

Use Case

E-commerce checkout with Pay by Bank

A high-volume e-commerce integrated RoxPay's gateway with Fabrick's Open Payment services. At checkout, alongside traditional methods (cards, Apple Pay, Google Pay), customers can choose 'Pay with your bank'. Authorization happens in seconds via the banking app, settlement is instant, and the platform automatically reconciles the order. Result: +18% conversions on high-value carts and -65% commission costs compared to card payments.

+18%

Conversions on high-value carts

-65%

Commission costs vs cards

Explore the integration APIs

Activate Open Banking payments

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