Welcome to our new Banking as a Service page! Here, you’ll find secure, efficient, and versatile payment options explicitly tailored for EMI, SPI & P2P, CASP.

Banking
infrastructure
for   business

Use licensed banking products, grow your company, and get a better collaboration experience with us

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Find your
perfect
setup

All types
of payments

Send and receive funds in over 100+ currencies

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Services
for eCommerce

Connect all types of payment methods
and easily integrate modules
for popular e-com platforms

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Banking
as a Service

Launch, manage, scale and sell
your product with licensed
banking infrastructure

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Safeguarding
accounts

Keep your clients’ funds in separate
and protected segregated bank accounts

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Background
in various industries

Launch, manage, scale and sell your product with
licensed banking infrastructure

Some of our team
members have
more
than 16 years of
experience
in
banking

€34.6 million

Capital and reserves

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1000+

Companies already use
our products

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10+

Countries with local acquiring

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€152,3 million

Assets

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100+

Currencies & methods support

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160

Professionals on
the team

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That's why we not only provide services but also
deeply understand the specifics of each business
& how banking could be more effective.

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	// Create new payment
	$response = $api->Payment(array(
		'AutoDeposit' => 'true',
		'Payment' => array(
			'Mode' => 4
		),
		'Order' => array(
			'ID' => 'product_id_' . microtime(),
			'Amount' => 100, // In minor units, thus 100 equals 1.00 EUR
			'Currency' => 'EUR',
			'Description' => 'Test transaction'
		),
		'Card' => array(
			'Number' =>'5186001300001016', // 13-19 digit number
			'Name' => 'test', // Under 50 utf8 chars
			'Expiry' => '3012', // First year, then month
			'CSC' => '999' // Exactly 3 digits
		),
		'RemoteAddress' => '8.8.8.8' // This MUST be cardholders IP
	));

	echo "Created new payment:\t\t" . $response->asXML() . PHP_EOL;

	// Get payments status
	echo "Got status by payments id:\t" . $api->GetPayment(array(
		'Payment' => array(
			'ID' => $response->Payment->ID
		)
	))->asXML() . PHP_EOL;

}
catch (SoapFault $ex) {
	echo 'SOAP EXCEPTION: ' . $ex->faultcode . ' - ' . $ex->faultstring . PHP_EOL;
}

curl -v -X POST http://127.0.0.1:8010/api/v3/soap \
-H 'Content-Type: text/xml;charset=UTF-8' \
-H 'SOAPAction: urn:GetPayment' \
-d '
<soapenv:Envelope
	xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/"
	xmlns:urn="urn:Gateway"
>
<soapenv:Header/>
<soapenv:Body>
	<urn:GetPaymentRequest>
		<INTERFACE>3718442</INTERFACE>
		<KEY_INDEX>1</KEY_INDEX>
		<KEY>xZcu1wHa+itpJAhfMgeQOij7Ow6rFqk75X1pDENdp/IX1ZIuNFWyQIfsj10amhwFlXsQMsJ840dDVCzzk71b5RJeg/+HozTov+droIw2G0jcYrp9kFEhTS+pm+DSD9J+mVtlupsC9a1xsHl4rEeH2sI9HzSjMe+6hBfib82mbOw=</KEY>
		<DATA>0ll4YkF8ovO+0ZmxhGn0GDV/RE5A9weWdcjXl8XFMIhlxxVQWazDsSw3ICBCQbcAfysJlWp+og/8wKt+vs2iU7q4x85dnNROgSIb/UixM/bapxukQaVAFJDIuwdrnRnggiz5SWPvm5JmnB29rl3fbkTibVJ2QiY=</DATA>
		<SIGNATURE>iQWaErG9kZeCggVTm6FJtSw2ZWqgt0UYw9W+KUIK0qBbZeUaOkyk7b7nGkm+sN6McmVt+ues1eoLNzzp4qKfWnEawkp/6ChyZex687FEs5G8KOw/6gRxqNaGKTaslA6R4j4MEbCz4+2rkHF7y3HGA07N11iEq+lafoe+YfJyEQk=</SIGNATURE>
	</urn:GetPaymentRequest>
</soapenv:Body>
</soapenv:Envelope>'

// Create new payment
final PaymentResponse response = api.Payment(new DataType() {{
		PaymentType payment = new PaymentType() {{
				setMode(4); // SOAP payment, non-3d secure
		}};

		OrderType order = new OrderType() {{
				setID("product_id_" + new Date().getTime()); // Must be unique for every payment
				setDescription("Test transaction");
				setAmount(100); // In minor units, thus 1.00 EUR
				setCurrency("EUR"); // In ISO alpha3 format
		}};

		CardType card = new CardType() {{
				setName("Lorem Ipsum"); // Not longer than 50 chars
				setNumber("5444870724493746"); // 13-19 digits
				setExpiry("3012"); // Must be in future
				setCSC("999"); // 3 digits
		}};

		setAutoDeposit(true); // Capture right after authorization
		setPayment(payment);
		setOrder(order);
		setCard(card);

		setRemoteAddress("8.8.8.8"); // Clients IP address
}});

System.out.println("Created new payment:\t\t" + response);

// Get payments status
final PaymentResponse status = api.GetPayment(new DataType() {{
		setPayment(new PaymentType() {{
				setID(response.Payment.ID);
				setMode(4);
		}});
}});
System.out.println("Got status by payments id:\t" + status);

	# Create new payment
	response = api.Payment({
		'AutoDeposit': True,
		'Payment': {
			'Mode': 4
		},
		'Order': {
			'ID': 'product_id_' + str(time.time()),
			'Amount': 100,  # In minor units, thus 100 equals 1.00 EUR
			'Currency': 'EUR',
			'Description': 'Test transaction'
		},
		'Card': {
			'Number': '5186001300001016',  # 13-19 digit number
			'Name': 'test',  # Under 50 utf8 chars
			'Expiry': '3012',  # First year, then month
			'CSC': '999'  # Exactly 3 digits
		},
		'RemoteAddress': '8.8.8.8'  # This MUST be cardholders IP
	})

	print("Created new payment:\t\t", response)

	# Get payments status
	status = api.GetPayment({
		'Payment': {
			'ID': response['data']['Payment']['ID']
		}
	})
	print("Got status by payments id:\t", status)

except Exception as ex:
	print('SOAP EXCEPTION:', ex)

// Create new payment
let request = {
    AutoDeposit: true,
    Payment: {
        Mode: 4
    },
    Order: {
        ID: 'product_id_' + new Date().getTime(),
        Amount: 100,
        Currency: 'EUR',
        Description: 'Test transaction'
    },
    Card: {
        Number: '5186001300001016',
        Name: 'test',
        Expiry: '3012',
        CSC: '999'
    },
    RemoteAddress: '8.8.8.8' //Cardholder IP address
};

api.Payment(request, (response) => {
	console.log('Created new payment:', response);

    api.GetPayment({
            Payment: {
                ID: response.data.Payment.ID
            }
        },
		(status) => {
            console.log('Got status by payments id:', status);
        })
});

Connect to the API

Start quick integration with our easy API

Spend less time connecting to our API,  use banking infrastructure, and grow faster

Connect to the API

A better way
to build products

Launch, manage, scale and sell your product with licensed banking infrastructure

Begin your journey with us

Principal members
of VISA & MasterCard

Cooperation directly with Visa and Mastercard allows our clients to be more flexible in payment operations

Easy to use API

Easily connect and manage. Stay informed about any changes in the system through Webhook notifications

Driven by
talented team

You'll work with technical support and managers who know everything about your task and truly want to support you

Begin your journey with us

Help FinTech
companies
enjoy
working with
a bank

Power
in collaboration

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Portrait of Deputy Head of Sales and Customer Service Department at Magnetiq Bank.
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Portrait of a team member at Magnetiq Bank
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Portrait of a team member at Magnetiq Bank
Portrait of Deputy Head of Sales and Customer Service Department at Magnetiq Bank.
Portrait of a team member at Magnetiq Bank
Portrait of a team member at Magnetiq Bank
Portrait of a team member at Magnetiq Bank
Portrait of Chief Customer Relations Manager at Magnetiq Bank.
Portrait of a team member at Magnetiq Bank
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Portrait of a team member at Magnetiq Bank

When people think about cooperating with a bank, they feel pain at each stage — from onboarding to service provision.

But you can’t build something big with this approach. Great products develop in a true collaboration.

That’s why we are building a new bank that helps businesses use our licensed banking infrastructure and have a better collaborative experience.

Great products are developed

in a great collaboration

Our business is built on online sales transactions, so it's crucial to have a reliable financial specialist with shared values, a comprehensive portfolio of e-commerce tools, and payment processing solutions by our side. We thank Magnetiq Bank for its efficiency, precision, and innovative approach to problem-solving.

Magnetiq Bank offers all the necessary tools and payment solutions tailored to meet even the most demanding client’s needs. All inquiries and suggestions are handled within the agreed timelines. The bank’s payment instruments deliver high conversion rates—on average 10% higher than other providers.

Magnetiq Bank e-commerce solutions enabled DiscoverCarHire.com to start operations quickly and serve customers worldwide. The platform’s convenience and reliability, combined with the bank’s professional team, have supported our growth and competitiveness in the global market for many years.

Magnetiq Bank has provided reliable solutions for the entire spectrum of financial services used in crowdfunding and has rapidly advanced in banking technology. We are delighted to have them as partners and believe in a mutually beneficial collaboration rooted in next-generation technologies.