Bancomat

aid: bancomat
name: Bancomat
description: BANCOMAT S.p.A. is Italy's leading payment network operator managing the PagoBancomat debit card scheme, ATM
  network, and BANCOMAT Pay mobile payment service. Launched in 1983 for ATM withdrawals and expanded in 1986 with PagoBancomat
  for PIN-based POS payments, the network underpins Italian electronic payment infrastructure. BANCOMAT Pay, introduced in
  2019, enables mobile e-commerce and P2P payments linked to bank accounts via phone number and IBAN. Since the 2025-07-22
  acquisition of FlowPay S.r.l., a Bank of Italy-authorised payment institution (AISP/PISP), the group also publishes a public
  open-banking REST API — account information, payment initiation, invoicing, pagoPA notices and webhooks — with OpenAPI contracts
  on docs.flowpay.it and GitHub.
type: Index
deliveryModel:
  model: saas
  license_evidence:
    not_product:
    - flowpay/client-openapi
  open_source: unknown
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: low
  source:
  - openapi
  - pricing
  - repository-not-product
  generated: '2026-09-25'
  method: derived
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bancomat.png
tags:
- ATM
- Banking
- Financial Services
- Italy
- Mobile Payments
- Payments
- Debit Cards
- Open Banking
- PSD2
- Account Information
- Payment Initiation
- Invoicing
- pagoPA
tags_raw:
- ATM
- Banking
- Financial Services
- Italy
- Mobile Payments
- Payments
- Debit Cards
- Open Banking
- PSD2
- Account Information
- Payment Initiation
- Invoicing
- pagoPA
- Financial-Services
url: https://raw.githubusercontent.com/api-evangelist/bancomat/refs/heads/main/apis.yml
created: '2024-01-15'
modified: '2026-09-17'
specificationVersion: '0.23'
apis:
- aid: bancomat:bancomat-pay
  name: BANCOMAT Pay
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bancomat.png
  description: BANCOMAT Pay is a mobile payment service enabling Italian consumers to make e-commerce purchases and P2P transfers
    through a smartphone app linked to their bank account by phone number and IBAN. Merchant integration is typically handled
    through PSPs such as Nexi, Axerve, PPRO, and HiPay rather than a direct public API. Scheme-level technical documentation
    and certification material for issuers, acquirers and certified operators is distributed only through BANCOMAT Insight
    (insight.bancomat.it), an OTP-gated member portal; api.bancomat.it answers every unauthenticated path with a JSON 404.
  humanURL: https://bancomat.it/en/bancomat-pay
  tags:
  - Mobile Payments
  - P2P
  - Payments
  - Italy
  properties:
  - type: Documentation
    url: https://bancomat.it/en/bancomat-pay
  - type: Documentation
    url: https://developer.nexigroup.com/xpayglobal/en-EU/docs/bancomat-pay/
    name: Nexi Integration Guide
- aid: bancomat:flowpay-api-v1
  name: FlowPay API (v1)
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bancomat.png
  description: Production REST API of FlowPay S.r.l., the Bank of Italy-authorised payment institution (AISP/PISP, ref. 36925)
    that BANCOMAT S.p.A. acquired on 2025-07-22. Tenant-scoped endpoints for account information (AIS consents, accounts,
    balances, transactions), payment initiation (transfers, bulk and chain payments, hosted checkout sessions), invoices,
    salaries, pagoPA notices and webhook subscriptions, secured by OAuth 2.0 authorization-code and client-credentials flows
    with PKCE, PAR and signed request objects. The contract is rendered by ReDoc on docs.flowpay.it from a 59-operation OpenAPI
    3.0.3.
  humanURL: https://docs.flowpay.it/
  baseURL: https://app.flowpay.it/api
  tags:
  - Open Banking
  - Account Information
  - Payment Initiation
  - Invoicing
  - Webhook
  - pagoPA
  - Italy
  tags_raw:
  - Open Banking
  - Account Information
  - Payment Initiation
  - Invoicing
  - Webhooks
  - pagoPA
  - Italy
  properties:
  - type: Documentation
    url: https://docs.flowpay.it/
  - type: APIReference
    url: https://docs.flowpay.it/
  - type: DeveloperPortal
    url: https://developer.flowpay.it/
  - type: OpenAPI
    url: openapi/bancomat-flowpay-api-v1-openapi.yml
  - type: OpenAPI
    url: openapi/_original/bancomat-flowpay-api-v1-openapi.json
    name: FlowPay API v1 OpenAPI (verbatim, as served through docs.flowpay.it)
  - type: Webhooks
    url: asyncapi/bancomat-flowpay-webhooks.yml
  - type: Sandbox
    url: sandbox/bancomat-sandbox.yml
  - type: Overlay
    url: overlays/bancomat-flowpay-api-v1-overlay.yaml
  - type: AgentSkill
    url: skills/_index.yml
- aid: bancomat:flowpay-api-v2
  name: FlowPay API (v2)
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bancomat.png
  description: Second-generation FlowPay API published as OpenAPI 3.1.0 (2.0.0-alpha.4) in the public FlowPay/client-openapi
    GitHub repository, with operationIds, page/size pagination, documented 100 req/min and 10 req/s rate limits, and a shared
    public sandbox. Adds credit notes, proforma invoices, construction-site escrow flows, fee rules and KYC to the v1 surface,
    and describes an AIS consent-status webhook. The production server api.flowpay.it/v2 answers unauthenticated reads (GET
    /v2/banks returned 200 on 2026-09-17) even though the spec still labels it "Not implemented".
  humanURL: https://github.com/FlowPay/client-openapi
  baseURL: https://api.flowpay.it/v2
  tags:
  - Open Banking
  - Account Information
  - Payment Initiation
  - Invoicing
  - pagoPA
  - Italy
  properties:
  - type: Documentation
    url: https://github.com/FlowPay/client-openapi/tree/main/docs
  - type: SourceCode
    url: https://github.com/FlowPay/client-openapi
  - type: DeveloperPortal
    url: https://developer.flowpay.it/
  - type: OpenAPI
    url: openapi/bancomat-flowpay-api-v2-openapi.yml
  - type: OpenAPI
    url: openapi/_original/bancomat-flowpay-api-v2-openapi.json
    name: FlowPay API v2 OpenAPI (verbatim, github.com/FlowPay/client-openapi)
  - type: Overlay
    url: overlays/bancomat-flowpay-api-v2-overlay.yaml
  - type: MCPServer
    url: mcp/bancomat-mcp.yml
    name: Derived candidate tool list (no server shipped)
  - type: AgentSkill
    url: skills/_index.yml
common:
- type: Website
  url: https://flowpay.it/
  name: FlowPay (a Bancomat company)
- type: GitHubOrganization
  url: https://github.com/FlowPay
- type: Blog
  url: https://blog.flowpay.it/
- type: BlogRSS
  url: https://blog.flowpay.it/feed/
- type: Support
  url: https://youtrack.flowpay.it/
  name: FlowPay API support ticket portal (YouTrack)
- type: Support
  url: https://bancomat.it/en/contact-us
  name: BANCOMAT contact
- type: FAQ
  url: https://bancomat.it/en/faq
- type: PrivacyPolicy
  url: https://bancomat.it/en/privacy-policy
- type: TermsOfService
  url: https://bancomat.it/en/terms-and-conditions
- type: PressReleases
  url: https://bancomat.it/en/press-releases
- type: Login
  url: https://insight.bancomat.it/
  name: BANCOMAT Insight (member-only portal, OTP login)
- type: Packages
  url: packages/bancomat-packages.yml
- type: SDKs
  url: packages/bancomat-packages.yml
- type: CLI
  url: cli/bancomat-cli.yml
- type: WellKnown
  url: well-known/bancomat-well-known.yml
- type: Authentication
  url: authentication/bancomat-authentication.yml
- type: OAuthScopes
  url: scopes/bancomat-scopes.yml
- type: ErrorCatalog
  url: errors/bancomat-problem-types.yml
- type: Conventions
  url: conventions/bancomat-conventions.yml
- type: Lifecycle
  url: lifecycle/bancomat-lifecycle.yml
- type: Conformance
  url: conformance/bancomat-conformance.yml
- type: Compliance
  url: conformance/bancomat-conformance.yml
- type: DataModel
  url: data-model/bancomat-data-model.yml
- type: LLMsTxt
  url: llms/bancomat-llms.txt
- type: Plans
  url: plans/bancomat-plans-pricing.yml
- type: RateLimits
  url: rate-limits/bancomat-rate-limits.yml
- type: DomainSecurity
  url: security/bancomat-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/bancomatofficial
- type: Website
  url: https://bancomat.it/en
  name: BANCOMAT S.p.A.
- type: Website
  url: https://bancomat.it/en/the-company
  name: About BANCOMAT S.p.A.
- type: SpectralRules
  url: rules/bancomat-spectral-rules.yml
- type: Vocabulary
  url: vocabulary/bancomat-vocabulary.yaml
- type: JSONLD
  url: json-ld/bancomat-context.jsonld
- name: Features
  type: Features
  data:
  - name: ATM Network
    description: Italy's largest ATM cash withdrawal network operational since 1983.
  - name: PagoBancomat Debit
    description: PIN-based POS debit card payments accepted at millions of Italian merchants.
  - name: BANCOMAT Pay Mobile
    description: Mobile app payment service for e-commerce and P2P transfers linked to bank accounts.
  - name: QR Code Payments
    description: QR code-based checkout integration for online and in-store merchants.
  - name: Bank Integration
    description: Deep integration with Italian banks enabling account-linked payment authorization.
  - name: P2P Transfers
    description: Person-to-person money transfers between Italian bank accounts via mobile app.
- name: UseCases
  type: UseCases
  data:
  - name: ATM Cash Withdrawals
    description: Debit card ATM withdrawals across Italy's national banking network.
  - name: POS Debit Payments
    description: PIN-based debit card payments at retail point-of-sale terminals.
  - name: E-Commerce Payments
    description: Online checkout integration via BANCOMAT Pay mobile app.
  - name: P2P Money Transfer
    description: Person-to-person payments between bank accounts via mobile app.
  - name: Merchant Acceptance
    description: Enable BANCOMAT Pay as a local Italian payment method for online stores.
- name: Integrations
  type: Integrations
  data:
  - name: Nexi
    description: Integration via Nexi XPay Global payment gateway for merchant acceptance.
  - name: Axerve (Fabrick)
    description: Integration via Axerve/Fabrick for Italian e-commerce BANCOMAT Pay acceptance.
  - name: PPRO
    description: Integration via PPRO for international PSP access to BANCOMAT Pay.
  - name: HiPay
    description: Integration via HiPay payment platform.
  - name: Viva.com
    description: Integration via Viva.com payment services.
  - name: PayPal Braintree
    description: Integration via PayPal Braintree payment gateway.
  - name: Nuvei
    description: Integration via Nuvei payment technology platform.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-enrichment:
  date: '2026-09-17'
  status: enriched
  artifacts_added: 26
  pass: local-v3