konfipay:
Many banks. One payment system.
Whether you have 3 accounts or 300, konfipay consolidates your banks into a single tool—with standardized approval processes, mobile approval via app, and, if desired, fully automated payment runs directly from your ERP or financial accounting system.
in use at
1.000+
Company
Trust from
150+
Banks
, EBICS, HBCI, and PSD2 are supported
ISO 27001
certified
konfipay at a glance
All your payment transactions. One platform.
Whether you work with multiple companies, banks, or ERP systems, konfipay consolidates all your payment transactions into a single platform—with EBICS security, automatic recipient verification, and mobile approval.
Payments automatically or with mobile approval—it's up to you.
Recipient verification by your bank (VoP) protects against incorrect transfers with every payment.
A portal for multiple companies, banks, ERP, and financial accounting systems.
Native integration for SAP, Sage, MS Dynamics 365, Continia, and many other systems.
Leading companies rely on konfipay
Your money is digital. Your payments aren't yet.
Three banking portals, two TAN procedures, multiple Excel exports—and in the end, no one checks whether the IBAN actually belongs to the recipient. That’s what payment processing still looks like in many companies today. It’s not just a waste of time. It’s a risk.
Every payment run is done manually. Exporting from the ERP, importing into the bank portal, approving each transaction individually for each bank—week after week.
Every approval depends on one person. If the signatory is on vacation, on a business trip, or out sick, the entire payment run is put on hold.
Every bank is an island. Separate logins, separate security tokens, separate approval processes—the chaos grows with every new bank account.
Every manual payment is vulnerable. Without automatic recipient verification, every transfer is like flying blind—including erroneous transfers and payment fraud.
And what about the alternative so far? Local banking software: your own server, updates, IT overhead—and still no connection to your ERP.
One solution. All banks. You decide the level of automation.
konfipay connects your ERP or accounting system directly to all your banks via API—using EBICS or FinTS—without the need for any local software. After that, you decide how much you want to handle yourself:
Autopilot. Recurring payments, salaries, discount periods: The REST API transfers payments fully automatically from the system to the bank—without manual intervention and without missing deadlines.
Controlled approval. You or your team can approve larger amounts via a push notification on your smartphone—using konfipaySign, which includes the dual-control principle. From anywhere, in seconds.
Built-in protection. Before every payment, your bank automatically checks whether the recipient’s name and IBAN match. konfipay displays the result immediately and keeps the recipient’s master data up to date. This prevents incorrect transfers from happening.
Multiple companies, banks, and systems? They all run through a single portal with a standardized approval process—no matter how diverse your IT landscape is.
Here's what our customers say.
konfipay Benefits
Full automation is possible
With the REST API, payments are processed directly from the ERP or financial accounting system to the bank without any manual intervention—routine processes and discount periods are handled reliably.
Mobile Sharing
If you want to stay in control, you can approve payments via the web or mobile app. Role-based approvals and the dual-control principle are built right in.
No More Incorrect Transfers
With every payment, your bank automatically checks (VoP) whether the recipient's name and IBAN match. konfipay displays the result to you.
No More Login Hassle
Ten banks, ten logins, and multiple file exports waste time unnecessarily. With konfipay, there’s no need to log in manually to individual bank portals: All bank accounts are automatically consolidated through a central platform.
Liquidity Dashboard
All balances and account transactions across all banks and companies at a glance—in real time, without having to laboriously compile individual accounts manually.
Native Integration into Your System
konfipay integrates directly with SAP, Sage, Microsoft Dynamics 365, Continia, and many other systems. For all other systems, konfipay sync is available without any development effort.
The payment run won't wait for you anymore
It’s Friday afternoon, payroll is due—and the second signatory is on a plane. With konfipaySign, that’s no longer a problem: Get a push notification on your smartphone, review it, and approve it. Done—in seconds, from anywhere.You decide what runs automatically and what requires your manual intervention. The dual-control principle is built into the system, and the EBICS key remains securely stored in the backend rather than on individual devices. Stay in control without creating a bottleneck.
Features in Detail
Want to know the details? The technology behind the promises:
REST API for Payment Transactions & Account Information
Payments and account inquiries are fully automated, with no manual signature required.
EBICS 2.5 and 3.0 without local software
Secure banking communications directly through the konfipay platform, with no installation required.
konfipaySign – Web & Mobile App
Approvals via iOS/Android app with push notifications, including the dual-control principle.
Native Integrations
Directly integrated with SAP, Sage, Microsoft Dynamics 365, and Continia.
Multi-Provider Support
Banks in Germany, Austria, Switzerland, Liechtenstein, and the Netherlands, as well as PayPal, are directly integrated.
Liquidity Dashboard
A centralized overview of all account activity and balances across all linked bank accounts.
Reduce the risk of fraud with konfipay
The most expensive money transfer is the one sent to the wrong recipient.
Tampered invoices, fake bank account details, a transposed digit due to time pressure—payment fraud is no longer limited to large corporations.
And once the money is gone, it rarely comes back.
That’s why konfipay supports payee verification: Your bank automatically verifies the name and IBAN before the payment is processed—the EU-wide requirement for payment service providers is built into konfipay from the start, not added as an afterthought. Combined with the dual-control principle, role-based approvals, and comprehensive logging, your payment processing becomes a fully integrated system.
konfipay adapts to your system—not the other way around
One more step until the final manual payment run
Try konfipay free for 30 days—alongside your existing processes, with no risk. Or let us show you in 30 minutes how konfipay fits into your
system landscape.
Frequently Asked Questions
Discover what's possible with konfipay.
From automated banking communications to secure data transfer via EBICS: Our konfipay flyer provides a concise overview of how you can digitize and automate your payment processes.
Would you like to experience what it's like to handle payments without manual work?
Connect your ERP or accounting system directly to all your banks. Try konfipay free for 30 days or schedule a demo with our team.