QBANKQUBE
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Banking connectivity, productized

Connect once.
Bank everywhere.

BankQube gives software teams one clean interface for payments, bank status and account data. Formats, channels, certificates and bank-specific change stay inside the Qube.

Explore the API ↗See the platform ↓
1product integration
4banking rails
24/7event visibility
console.bankqube.com live
ORCHESTRATION

Payment flow

✓ReceivedJSON
✓Validated18 rules
3RoutingSFTP
4BankACCP
PAYMENT
€18,450.00EUR · execute 16 Sep
Recipient
Acme Europe GmbH
Reference
INV-2026-1842
Profile
Nordic Corporate
LIVE EVENTS4
payment.validated13:42:08.104
message.generated13:42:08.135
bank.delivering13:42:08.261
bank.acceptedwaiting
✓
VALIDATION18 bank rules passed
↯
WEBHOOKpayment.accepted
ONE LAYER FORERPTreasuryVertical SaaSEnterprise financePayment operations
THE ABSTRACTION LAYER

One interface in.
Every banking rail out.

BankQube turns bank-specific formats, channels, certificates and behaviours into one stable application contract.

YOUR PRODUCTPOST /payments{ clean JSON }
QBankQubevalidate · transform · route
01 · PAYMENTS

One payment object.
Bank-ready everywhere.

Submit a stable instruction. The platform applies the bank profile, validates the data, selects the required ISO version and delivers through the configured rail.

  • Canonical payment model
  • Bank-specific validation
  • Format + version handling
Explore orchestration →
New paymentValidated ✓
AMOUNT18,450.00 EUR
FROMOperating · •1042TOAcme Europe GmbHEXECUTION16 Sep 2026REFERENCEINV-1842
18 rules passed
GENERATED OUTPUT
<PmtInf>
  <PmtMtd>TRF</PmtMtd>
  <ReqdExctnDt>2026-09-16</ReqdExctnDt>
</PmtInf>
pain.001.001.09
02 · OBSERVABILITY

Follow every payment.
From API to bank.

Transport events and bank acknowledgements become one normalized lifecycle, so teams can see exactly what happened and what happens next.

  • End-to-end correlation
  • Explicit failure states
  • Operational retries
Explore observability →
PAYMENT TRACEpay_8F41KAccepted
Request receivedAPI · 13:42:08.104+0 ms
Validation completed18 bank rules+31 ms
Delivered to bankSFTP · encrypted+126 ms
Bank acceptedACCP · pain.002+2.4 s
All systems operational99.98%30-day successful delivery
03 · ACCOUNT DATA

Statements in.
Clean data out.

Balances and transactions arrive through one account model regardless of source statement version or delivery channel.

  • camt normalization
  • Balances + transactions
  • Reconciliation-ready objects
Explore account data →
DEVELOPER EXPERIENCE

Banking complexity.
Readable as code.

Stable resources, idempotent requests and lifecycle events create a predictable contract while bank-specific change stays behind the API.

REST APIWebhooksIdempotencySandbox
Open developer docs ↗
sandbox
POST/v1/paymentsReady
{
  "account": "acc_1042",
  "amount": 18450.00,
  "currency": "EUR",
  "execution_date": "2026-09-16",
  "creditor": { "name": "Acme Europe GmbH" }
}
{
  "id": "pay_8F41K",
  "state": "validated",
  "route": "nordic_sftp_01",
  "next_event": "payment.delivered"
}
payment.validated
message.generated
payment.delivered
bank.accepted
Sandbox operational
CONNECTION NETWORK

Meet banks on the rails
they already use.

SFTP, EBICS, APIs and enterprise host-to-host channels represented behind one connection model.

Explore coverage ↗
Q
REGIONSEurope + global H2HMESSAGE MODELISO 20022 nativeCHANNELSAPI · file · webservice
S
Secure file channelsSFTP · PGP · certificates
E
European EBICSSigning · transport · reporting
A
Bank APIsOAuth · webhooks · events
BUILT TO DISAPPEAR BEHIND YOUR PRODUCT

Two operating models.
One infrastructure layer.

FOR SOFTWARE VENDORS

Ship banking under
your own brand.

Serve many customers and banks without turning your engineering team into a bank-format team.

YOUR PRODUCT→BankQube infrastructure
Vendor model ↗FOR ENTERPRISE FINANCE

One banking layer for
your finance stack.

Connect ERP and treasury systems to banking rails with explicit status, monitoring and traceability.

ERP→BQ→BANKS
Enterprise model ↗
SECURITY & OPERATIONS

Built for the questions
that come before production.

Credentials, traceability, failure states and operational visibility are product concerns from day one.

Security architecture ↗
READY TO EXPLORE?

One Qube.
Every banking connection.

See how BankQube can sit behind your software product or finance stack as one connectivity layer.