# Fizen - Open Banking & Payment Solutions

> Fizen is a fintech company providing PSD2-compliant open banking and payment solutions across Central & Eastern Europe. Connect to 200+ banks in 7 CEE countries with 99.9% uptime.

## Company Overview

Fizen bridges traditional finance with digital innovation, offering secure and seamless payment solutions. We operate in 7 CEE countries (Poland, Czech Republic, Slovakia, Hungary, Romania, Bulgaria, Croatia) with 200+ banking integrations and industry-leading 99.9% uptime.

## Products & Services

### Payment Solutions

- **Recurring Payments**: Automated billing leveraging PSD2 and open banking for subscription services, membership fees, utility bills, and charitable donations. Direct bank integration, enhanced security, flexible recurrence schedules.

- **Delayed Payments**: Schedule bank payments for future dates. Ideal for e-commerce, B2B transactions, utility payments, and rent. Features include future-date scheduling, real-time notifications, and flexible adjustments.

- **Bulk Payments**: Process thousands of payments simultaneously. Perfect for payroll, affiliate payouts, vendor settlements, and marketplace disbursements. Includes batch processing, error detection, and customizable templates.

- **One-Time Bank Transfer**: Secure single payment solution for one-off purchases, unique transactions, and direct payments. Features instant confirmation, multi-currency support, and low transaction costs.

- **Payment Gateway**: All-in-one solution integrating bank transfers, card payments, digital wallets, and crypto (where available). Single API, unified dashboard, and smart routing.

### Data & Verification Services

- **Financial Data (AISP)**: Access comprehensive customer financial data through open banking APIs. Features include transaction history, balance checks, spending patterns, and income verification. All with explicit customer consent.

- **Customer Verification (KYC)**: Streamlined Know Your Customer process using AISP access. Verify identity, validate account ownership, assess financial behavior, and ensure compliance-all in one integration.

## Key Differentiators

- PSD2 compliant
- Direct bank integration (no intermediaries)
- Real-time notifications
- API-first architecture
- Lower transaction costs than card networks
- Strong customer authentication (SCA)

## Coverage

- Countries: Poland, Czech Republic, Slovakia, Hungary, Romania, Bulgaria, Croatia
- Banking Integrations: 200+
- Uptime: 99.9%

## Use Cases

1. **SaaS & Subscriptions**: Automated recurring billing
2. **E-commerce**: Instant bank transfers, buy-now-pay-later
3. **Lending & Credit**: Income verification, creditworthiness assessment
4. **Payroll & HR**: Mass salary disbursements
5. **Marketplaces**: Seller payouts, escrow services
6. **Insurance**: Premium collection, claims disbursement

## Technical Integration

- RESTful APIs
- Webhook notifications
- Sandbox environment
- SDKs available
- OAuth 2.0 authentication

## Contact

- Website: https://fizen.com
- Company: Fizen Sp. z o.o.
- Address: Narutowicza 40/1, 91-135 Łódź, Poland
- VAT: PL7252309077
- KRS: 0000900414
- REGON: 388908954
- Email: contact@fizen.com

## Links

### English
- [Homepage](https://fizen.com)
- [Recurring Payments](https://fizen.com/products/recurring-payments)
- [Delayed Payments](https://fizen.com/products/delayed-payments)
- [Bulk Payments](https://fizen.com/products/bulk-payments)
- [One-Time Transfer](https://fizen.com/products/one-time-transfer)
- [Payment Gateway](https://fizen.com/products/payment-gateway)
- [Financial Data](https://fizen.com/products/financial-data)
- [Customer Verification](https://fizen.com/products/customer-verification)
- [News](https://fizen.com/news)
- [Blog](https://fizen.com/blog)

### Polski (Polish)
- [Strona główna](https://fizen.com/pl)
- [Płatności cykliczne](https://fizen.com/pl/products/recurring-payments)
- [Płatności odroczone](https://fizen.com/pl/products/delayed-payments)
- [Płatności masowe](https://fizen.com/pl/products/bulk-payments)
- [Przelew jednorazowy](https://fizen.com/pl/products/one-time-transfer)
- [Bramka płatności](https://fizen.com/pl/products/payment-gateway)
- [Dane finansowe](https://fizen.com/pl/products/financial-data)
- [Weryfikacja klienta](https://fizen.com/pl/products/customer-verification)
- [Aktualności](https://fizen.com/pl/news)
- [Blog](https://fizen.com/pl/blog)