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 provides regulated, read-only access to customer bank account data across UK institutions under our FCA authorisation as an Account Information Service Provider (AISP), in line with the Payment Services Regulations 2017 implementing PSD2. With explicit consent and Strong Customer Authentication (SCA), we retrieve transaction history, balances and scheduled payments directly from ASPSP APIs via open banking.
We then normalise and enrich this data into a consistent schema to support analytics, reconciliation, affordability checks, onboarding and credit workflows. Businesses embed financial insight quickly, while Asima manages the regulatory perimeter, data security and consent lifecycle as the authorised data aggregator.
As an FCA-authorised Payment Initiation Service Provider (PISP), Asima enables authenticated bank-to-bank payments initiated directly from the Payment Service User's (PSU's) account. Our APIs connect to ASPSPs under the open banking framework, prompting the payer to authenticate using SCA before we submit a validated payment instruction, supporting both one-off and repeatable flows.
Funds settle account-to-account without card schemes, acquirers or PCI DSS scope, typically at lower cost and with reduced friction compared to card payments. Asima orchestrates consent, handles errors and status callbacks and provides a clear settlement signal, so merchants and platforms can embed instant payments without inheriting payment-scheme complexity.
For PIS customers routing funds from PSUs to bank accounts they do not own, Asima offers Third Party Verified Accounts (TPVA). Using AIS-based account confirmation, identity verification and PEPs and Sanctions screening, we verify the ownership and legitimacy of each beneficiary account, then keep that verification under ongoing review through periodic checks and risk-based monitoring.
TPVA is an optional add-on for most PIS clients, but it becomes mandatory where marketplace, platform or similar models require payouts to third-party payees and the customer does not hold its own FCA payment authorisation or operate as an appointed agent. By adopting TPVA, platforms can evidence robust due diligence and beneficiary controls, while Asima provides a cost-effective framework for ongoing screening and audit-ready records.
Under the Payment Services Regulations, an agent is a firm that provides payment services on behalf of an authorised payment institution. Asima supports prospective agents with structured consultancy before onboarding, including business model assessment, control design, AML/CTF policies and documentation, to ensure activities are compatible with operating under our permissions and within FCA expectations.
Once appointed, Asima acts as Principal and coordinates the required oversight of the agent's activities, including transaction monitoring, financial crime controls, regulatory reporting and periodic reviews. Our supervision framework is aligned with the FCA's focus on principal accountability for agents and appointed representatives, allowing firms to concentrate on product and growth while operating within a clearly governed compliance environment.
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 AIS and PIS? Mix and match both plans 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.
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November 27, 2025
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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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