Asima delivers the regulated rails for account access and instant bank payments, trusted by UK fintechs, merchants and platforms that scale.
Automate instant bank transfers, gather account details, check account balances, verify identities and more. Built for speed, scale, and simplicity, so you can focus on your product, not payments infrastructure.
Bank payments, not card rails
Build direct account-to-account payment flows without the cost, chargebacks, or complexity of legacy schemes. Lower friction for users, lower fees for you. No intermediaries means no surprises.
Real-time account access
Read balances and transactions with user consent. Ideal for onboarding, reconciliation, and smarter financial journeys. Turn raw data into insights that reduce risk, personalise experiences, and accelerate decision-making.
Regulated and compliant
We’re an FCA-authorised provider of account access and payment services. Everything we offer is built and operated by us, giving you complete control, visibility, and compliance.
UK-first, developer-ready
Clean APIs, clear documentation. Asima is purpose-built for UK platforms, apps, and fintechs. Go from sandbox to live with confidence, backed by responsive support and proven reliability.
await asima.instant_payment.create({
amount: 20000,
currency: "GBP",
payment_reference: "BILL-REF-12345",
from_account: {
identification: "04000412345678",
name: "John Smith",
bank_id: "monzo",
},
to_account: {
identification: "53612112345678",
name: "The Bill Payments Company",
},
initiated_at: new Date().toISOString(),
});
Asima’s AIS offering enables regulated, read‑only access to end‑user bank account data across multiple institutions, with explicit consumer consent. Operating under PSD2 and FCA authorisation as an AISP, we pull transactional history, balances and standing order details via bank‑exposed APIs.
Once consent is granted, Asima connects securely to the customer’s ASPSP using strong customer authentication (SCA) and fetches data directly from the source.
We normalise and enrich the raw feed to drive financial analytics, reconciliation or credit underwriting workflows. So rather than screen‑scraping or indirect feeds, our platform provides real‑time, standardised account insight.
This empowers businesses to build tools like multi‑account dashboards, automated bookkeeping, risk scoring or onboarding flow, while offloading the regulatory, compliance and security burden to Asima as the authorised data aggregator.
Asima’s PIS functionality permits client‑triggered, authenticated payment initiation directly from the customer’s bank account to a payee, again under PSD2/FCA oversight as a licensed Payment Initiation Service Provider (PISP).
We interface with ASPSPs (banks) via the open banking scheme, prompting the payer to authenticate through their banking app or credentials using Strong Customer Authentication (SCA). Once the user authorises, our APIs issue payment instructions in either single or repeatable formats.
The funds flow is direct bank‑to‑bank and supports seamless in‑app or in‑checkout real‑time payments, reducing friction and lowering costs for merchants compared to card networks.
Asima handles consent orchestration, callback status, and settlement events, abstracting the mechanics from your application. This allows you to embed payment flows without PCI scope or acquiring integration complexity.
For Payment Initiation Service (PIS) customers operating marketplace or platform models - where funds are transferred from a Payment Service User (PSU) to an account not owned by the initiating business - Asima offers third-party account verification.
This optional (but mandatory for such use cases) service provides comprehensive verification of beneficiary account ownership and ongoing monitoring, ensuring compliance with regulatory expectations and protecting against misuse.
Leveraging Asima’s Account Information Service (AIS) and integrated identity verification (IDV) checks, we confirm that third-party accounts are genuine, correctly attributed, and screened against PEPs and Sanctions lists. Each account is verified at onboarding and periodically revalidated to maintain confidence in payment integrity.
By adopting TPVA, PIS customers without their own FCA authorisation or Asima Agent status can meet due diligence obligations efficiently while maintaining full control of their payment experience.
Our pricing is highly competitive, and the service is designed to remove the operational and compliance overhead of validating and monitoring third-party payee accounts - allowing marketplaces and intermediaries to focus on growth, not governance.
Asima isn’t just infrastructure. We work with your team to design, build, and deliver secure, scalable open banking solutions. From strategic input to hands-on implementation, we’re a long-term technical partner, not just a provider.
Map your architecture, scope your use case. A focused technical engagement to assess integration points, define requirements, and accelerate time to value.
From checkout flows to embedded dashboards. We deliver robust, production-grade components on a fixed scope and timeline, built to meet your exact specifications.
Need an open banking expert on your team this month? Embed Asima’s domain specialists into your workflow for architecture reviews, API integration, or compliance planning.
Ongoing support, regulatory input, roadmap shaping. A flexible engagement model for scaling businesses who need senior technical and strategic input as they grow.
From scoping to scale, Asima provides the regulated infrastructure and technical support to move fast, without cutting corners.
Start with a discovery call or structured technical sprint to explore your goals, architecture, and data needs. We help identify where open banking adds real value—whether it’s improving onboarding, enabling real-time payments, or unlocking financial insights.
Integrate via our platform or engage us for fixed-scope delivery of your MVP, payment flows, or data services. With clean APIs, clear documentation, and expert support, your team can stay focused on product while we handle the complexity beneath the surface.
Move to live with confidence, processing real payments and accessing account data on fully compliant rails. Asima is engineered for reliability, security, and scale. We're trusted by fast-moving businesses and large charities across the UK.
For early-stage or testing usage
For scaling businesses
For high-volume needs
For early-stage or testing usage
For scaling businesses
For high-volume needs
For early-stage or testing usage
For scaling businesses
For high-volume needs
Need both? Mix and match an AIS and PIS plan and enjoy an additional 20% discount on platform and overage fees.
All plans are subject to a £500 account setup fee, payable on contract signature.
All prices displayed exclude VAT.
Stay up to date with the latest insights on open banking, payments innovation, and fintech trends.
November 20, 2025
At the 2025 Open Banking Expo, Open Banking Limited explained how the UK system is moving from mandated rails to open innovation. In this post we unpack the engineering implications for payments and data infrastructure, and what it means for platforms like Asima.
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November 13, 2025
If you run a marketplace where customers pay third-party sellers, you’re in UK payments territory. Learn when FCA approval applies, why the Appointed Representative route doesn’t, and how Asima’s Third-Party Verified Accounts model can help.
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November 06, 2025
October brought major developments in open finance testing, regulatory collaboration, and the future of tokenised payments. Asima reviews the highlights, the infrastructure implications, and what clients should prepare for next.
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