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Banking · 9 providers · 32 countries

Providers for single payments by country

A single payment is one immediate payment from the payer's bank account, approved by the payer at their bank. The catalogue lists 9 providers that offer single payments across 32 countries. Unirail routes single payments to Enable Banking, Plaid and Yapily in 15 countries today.

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Who offers single payments, country by country

Each row is a provider and each column a country, with the busiest countries first. Filled dots are where Unirail routes it today. Rings come from each provider's documentation.

Providers for single payments by country
Provider FIGBATBEDKFRDEIEITLTNLNOPTESEELVSEPLCZISROSKBGHRCYGRHULILUMTSISG
Enable Banking Open banking provider · 30 countries integrated no integrated integrated listed integrated integrated integrated integrated integrated integrated listed integrated integrated integrated integrated listed listed listed listed listed integrated listed listed listed listed listed listed listed listed listed no
Plaid Open banking provider · 18 countries listed integrated listed listed listed listed listed listed listed listed listed listed listed listed listed listed listed listed no no no no no no no no no no no no no no
Yapily Open banking provider · 18 countries listed integrated listed listed listed listed listed listed listed listed listed listed listed listed listed listed listed no no listed no no no no no no no no no no no no
GoCardless Multi-rail payments provider · 1 country no listed no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no
Neonomics Open banking provider · 4 countries listed no no no listed no no no no no no listed no no no no listed no no no no no no no no no no no no no no no
OpenPayd Multi-rail payments provider · 15 countries listed listed listed listed no listed listed listed listed listed listed no listed listed listed listed no no no no no listed no no no no no no no no no no
PayNow QR Bank scheme · 1 country no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no listed
Tink Open banking provider · 19 countries listed listed listed listed listed listed listed listed listed listed listed listed listed listed listed listed listed listed listed no no no no no no no no no no no no no
TrueLayer Open banking provider · 16 countries listed listed listed listed listed listed listed listed listed listed listed listed listed listed no no no listed no no listed no no no no no no no no no no no

Scroll the table sideways to see every country.

How Unirail routes single payments

Connect Enable Banking, Plaid and Yapily in the dashboard. Your credentials stay in your own vault. Each time your backend asks for a decision, Unirail picks one of the providers you've connected for single payments in that country by cost under your contracts, ETA and success likelihood. The decision also ranks the alternatives and gives a reason for any it ruled out.

  • Enable Banking Integrated
    • Austria (integrated)
    • Belgium (integrated)
    • Estonia (integrated)
    • Finland (integrated)
    • France (integrated)
    • Germany (integrated)
    • Ireland (integrated)
    • Italy (integrated)
    • Latvia (integrated)
    • Lithuania (integrated)
    • Netherlands (integrated)
    • Portugal (integrated)
    • Slovakia (integrated)
    • Spain (integrated)
  • Plaid Integrated
    • United Kingdom (integrated)
  • Yapily Integrated
    • United Kingdom (integrated)

The other 6 providers are listed for comparison. Talk to us if you contract with one.

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Sources

Every listed row links to the provider page it came from and the date it was read. Integrated rows come from Unirail's adapter.

Sources for Single payments coverage
Provider Status Countries Source Checked
Enable Banking

SEPA, SEPA Instant and domestic schemes, depending on the bank. Unverified: Enable Banking may expect you to bring your own PISP licence for production payments.

 Integrated 14 countries:
  • Austria (integrated)
  • Belgium (integrated)
  • Estonia (integrated)
  • Finland (integrated)
  • France (integrated)
  • Germany (integrated)
  • Ireland (integrated)
  • Italy (integrated)
  • Latvia (integrated)
  • Lithuania (integrated)
  • Netherlands (integrated)
  • Portugal (integrated)
  • Slovakia (integrated)
  • Spain (integrated)
Unirail's Enable Banking adapter 18 October 2026
Enable Banking Listed 16 countries:
  • Bulgaria
  • Croatia
  • Cyprus
  • Czechia
  • Denmark
  • Greece
  • Hungary
  • Iceland
  • Liechtenstein
  • Luxembourg
  • Malta
  • Norway
  • Poland
  • Romania
  • Slovenia
  • Sweden
enablebanking.com/docs/markets 8 October 2026
Plaid Integrated 1 countries:
  • United Kingdom (integrated)
Unirail's Plaid adapter 18 October 2026
Plaid

GBP, EUR, PLN, SEK, DKK and NOK over Faster Payments, SEPA Credit Transfer and SCT Inst.

 Listed 17 countries:
  • Austria
  • Belgium
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Spain
  • Sweden
plaid.com/docs/payment-initiation 8 October 2026
Yapily

Capped at £15,000 per payment under Yapily Connect (catalogue note, not yet verified against a source).

 Integrated 1 countries:
  • United Kingdom (integrated)
Unirail's Yapily adapter 18 October 2026
Yapily

SEPA Credit Transfer and SEPA Instant.

 Listed 17 countries:
  • Austria
  • Belgium
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Netherlands
  • Norway
  • Portugal
  • Spain
  • Sweden
docs.yapily.com/payments/payment-resources/europea… 8 October 2026
GoCardless

Instant Bank Pay.

 Listed 1 countries:
  • United Kingdom
gocardless.com/open-banking 8 October 2026
Neonomics Listed 4 countries:
  • Denmark
  • Finland
  • Norway
  • Sweden
neonomics.io/market-coverage 8 October 2026
OpenPayd

OpenPayd offers this as pay by bank. From this listing's earlier research; not re-checked yet.

 Listed 15 countries:
  • United Kingdom
  • Austria
  • Belgium
  • Estonia
  • Finland
  • France
  • Germany
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Netherlands
  • Portugal
  • Slovakia
  • Spain
openpayd.com Not re-checked
PayNow QR

The payer pays a PayNow QR code in their own banking app. Because no bank confirms the payment, it's recorded as attested. From this listing's earlier research; not re-checked yet.

 Listed 1 countries:
  • Singapore
abs.org.sg/consumer-banking/pay-now Not re-checked
Tink Listed 19 countries:
  • United Kingdom
  • Austria
  • Belgium
  • Czechia
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Spain
  • Sweden
docs.tink.com/market-capabilities/payments 8 October 2026
TrueLayer Listed 16 countries:
  • United Kingdom
  • Austria
  • Belgium
  • Denmark
  • Finland
  • France
  • Germany
  • Ireland
  • Italy
  • Lithuania
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Spain
docs.truelayer.com/docs/get-information-about-bank… 8 October 2026

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