In a crowded fintech space dominated by compliance bottlenecks and generic APIs, Flowonix Pay aims to stand out by building tailor-fit SEPA and PIS rails that adapt to niche verticals — from digital media and affiliate platforms to licensed crypto marketplaces. We sat down with Anke Schneider, Flowonix Pay’s CEO, to explore how they balance compliance and flexibility, and how their bank-level infrastructure is fueling their 2025 expansion.
Who is Anke Schneider?
Anke is a Berlin-based entrepreneur and banking executive with 18+ years of experience in European fintech regulation and digital payments. Before founding Flowonix Pay in 2021, she held leadership roles at Solarisbank and later served as Head of Compliance Strategy at a Tier-2 German bank. She now leads a 45-person cross-border team focused on scaling smart, compliant payment rails for digital platforms.
Interview
What is Flowonix Pay in one sentence?
We’re a bank-licensed infrastructure player delivering SEPA, IBANs, and Open Banking APIs to platforms that care about user experience and compliance.
What licenses do you hold?
We are a fully licensed German EMI, regulated by BaFin and passported across the EU under PSD2.
What services do you offer?
-
SEPA Credit Transfer & SEPA Instant
-
Named IBAN issuing (DE, LT, BE)
-
Open Banking (PIS + AIS) APIs
-
Platform onboarding & embedded KYB
-
Settlement dashboards + notification webhooks
-
FX payouts (GBP, CHF, USD)
-
Card issuing (partnered BIN)
What types of clients do you serve?
-
B2B SaaS companies
-
Digital marketplaces
-
Crypto exchanges (MiCA-ready)
-
Affiliate and influencer networks
-
Licensed adult content platforms
-
Remote-first freelancer hubs
What makes Flowonix different from other SEPA players?
-
Real BaFin license — not acting via agents
-
100% internal compliance team
-
Built our own core ledger — no third-party limits
-
Transparent onboarding timelines
-
Multi-bank fallback for SEPA Instant
How fast is your onboarding process?
-
SME: 2–4 business days
-
Crypto/adult: 5–10 days with enhanced KYB
-
Platforms onboarding sub-merchants: 2–3 weeks integration
Do you issue direct IBANs?
Yes. We offer DE, LT, and BE IBANs depending on the business structure and compliance review.
What’s your SEPA Instant coverage?
~91% of all payouts go via SEPA Instant.
We use multi-bank routing to maintain uptime and fallback to SCT if Instant is unavailable.
What are your pricing models?
-
Monthly IBAN fee: €8–12
-
SCT: €0.30
-
SEPA Instant: €0.45
-
PIS API call: €0.15
-
KYB verification: €2.00–4.00
Volume-based and partner discounts apply.
Do you support crypto businesses?
Yes — only those licensed or registered under MiCA or local VASP regulation.
We don’t touch custody, but we enable fiat rails for operations.
How do you handle compliance?
-
Internal KYC/KYB team
-
Automated AML triggers
-
24/7 transaction monitoring
-
Shared audit logs for platforms
-
Instant red-flag alerts on abnormal flows
Do you work with affiliates or adult platforms?
Yes — provided full documentation, verified UBOs, and compliance with EU law.
We review performers, verify payout jurisdictions, and require content licensing for adult platforms.
What does your Open Banking stack include?
-
PIS (push payments from user’s bank)
-
AIS (fetch balances, validate income)
-
Fallback to iframe if bank API fails
-
Onboarding analytics for success rate
What’s next on your roadmap?
-
SEPA Direct Debit launch
-
Dynamic virtual IBAN assignment
-
Green compliance scoring (ESG-ready flows)
-
Local payout support in PL, CZ, and RO
-
Faster onboarding for MiCA-licensed entities
Related Searches
-
Flowonix Pay fintech
-
SEPA IBAN API Germany
-
BaFin regulated EMI
-
Crypto friendly EMI Germany
-
Open Banking APIs Berlin
-
Affiliate payout fintech
-
Instant SEPA for platforms
FAQ
Is Flowonix Pay licensed?
Yes — Flowonix Pay is a German EMI regulated by BaFin and passported across the EU.
Do you issue IBANs?
Yes — DE, LT, and BE IBANs depending on client setup.
Do you allow crypto or adult merchants?
Yes — with proper licenses and documentation.
What API features do you provide?
SEPA, PIS, IBAN issuing, onboarding modules, transaction webhooks.
Company Services
-
SEPA SCT & Instant
-
IBAN issuing
-
PIS + AIS APIs
-
FX payouts
-
Embedded KYB
-
Virtual accounts
-
Transactional notifications
Competitors
-
Intergiro
-
Banking Circle
-
Swan
-
ConnectPay
-
Unlimit
-
Clear Junction
Product Positioning
Flowonix Pay is:
-
Bank-licensed
-
API-native
-
Crypto and affiliate-tolerant
-
German-regulated
-
Real-time SEPA embedded
-
Platform-compliant
