Tink + Tranzify

What the integration covers

Tink in the Tranzify catalogue covers Open Banking (EU, PIS): the payer selects their bank on the payment page and confirms the transfer in the banking app, and the money moves from account to account with no card and no chargeback. The countries are Germany, France, Spain and Italy; the settlement currency is EUR. The operation is pay-ins only: payouts, refunds and recurring payments are not part of this integration, and a client that needs payouts or refunds over the same rails routes them to TrueLayer or Volt.

How a client enables it

A Tranzify client, a licensed PSP, acquirer or fintech, opens an account with Tink under its own licence and contract; the funds arrive on the account the client nominates with Tink. The client enters the Tink credentials in the terminal settings in the Tranzify back office, adds the terminal to its routing rules and cascades it with other providers of the same method, TrueLayer, Yapily or Volt, so that a payment the payer’s bank declines is retried elsewhere. Tranzify routes every payment, verifies Tink’s callbacks before a status changes, journals every attempt and result and calls the merchant’s webhook. The integration is enabled on the client’s request and is built and tested against Tink’s sandbox before the terminal goes live.