Betalingstjenesteinitiering

Betalingstjenesteinitiering, often referred to as Payment Initiation Service (PIS), is a core component of modern digital finance. It describes the process by which a third-party provider, with the explicit consent of the customer, initiates a payment transaction on behalf of that customer from their bank account. This service is a key feature of Open Banking regulations, such as the Revised Payment Services Directive (PSD2) in Europe.

The primary function of betalingstjenesteinitiering is to allow customers to make payments directly from their bank accounts without needing to log into their banking portal separately. Instead, they can authorize the payment through the interface of a third-party application, like an e-commerce website or a budgeting app. This is achieved through secure Application Programming Interfaces (APIs) that connect the third-party provider to the customer's bank.

When a customer chooses to pay using a betalingstjenesteinitiering provider, they are typically redirected to a secure page provided by their bank to authenticate themselves. Once authenticated, they confirm the payment details, and the bank then processes the transaction. This offers a potentially faster and more streamlined payment experience for consumers and can reduce reliance on traditional payment methods like credit cards or direct debits. The security and customer consent aspects are paramount, ensuring that no transaction can occur without the account holder's explicit authorization.