Europe-wide bank connectivity – perfected for your financial accounting
Secure Host-to-Host (H2H) integration and modern APIs combined with intelligent data enrichment. Our central multi-banking solution acts as a bridge between European payment traffic and your ERP/Accounting system.
Seamless connectivity to leading European institutions, including:
Unmatched reach - in Europe, Scandinavia & the UK
Connect directly to the financial heart of your business. As a comprehensive multi-banking platform, capient FLOW offers deep integration with the vast majority of banks across the continent and the UK. Whether you are processing payments in London, Frankfurt, Amsterdam or Stockholm – we provide a unified gateway for all your business entities.
Hybrid Connectivity – The Stability of Host-to-Host, the Speed of APIs
We don’t force you to choose between modern flexibility and industrial-grade strength.
Host-to-Host (H2H) Integration
We utilise established, secure Host-to-Host protocols for robust, high-volume data transfers. This ensures that your bulk payment traffic and bank statements are processed with bank-level security.
Direct API Integration
We leverage direct bank APIs for real-time transparency and agility wherever required.
Intelligent Data Enrichment for Accounting
Raw bank data often causes manual effort within your ERP or accounting software. We bridge this gap. capient FLOW automatically analyses bank statements and enriches them with critical context – including purchase order numbers, supplier details, and invoice references for your accounting.
By the time the data reaches your system, it is fully prepared and "ready-to-post." This enables an extremely high rate of automated reconciliation (Straight-Through Processing) and significantly reduces the workload for your finance team.
FAQ
Is capient FLOW a bank or a payment provider?
Neither. capient FLOW is an intelligent orchestration platform that connects to your existing banks via secure APIs (PSD2/Open Banking). You keep your bank relationships; we provide the automation layer on top.
Does it support local bank standards in the UK and Nordics?
Yes. capient FLOW supports UK Faster Payments, BACS, and CHAPS, as well as Nordic-specific banking protocols and BankID authorizations, ensuring full regional compatibility for SMEs.
How does the system handle bank reconciliation?
The platform automatically matches processed invoices with your bank statements in real-time. This "closed-loop" approach ensures that your ledger is always up to date without manual data entry.
Does this replace our bank's security protocols?
No. capient FLOW sits seamlessly on top of your existing bank security. All payments require your final authorization through your bank's native security measures (like MFA or BankID), maintaining your established safety standards.
