Fabrick Pass

Leveraging the AISP/PISP licenses Fabrick enriches its enabling model that provides for the delivery of services also in as-a-service mode that allow to offer to the final customer more efficient and personalized services able to meet his growing needs in terms of financial management.

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What is this product?

The typical three-party scheme, enabled by the PSD2, leaves room for the fourth parties, i.e. all those who do not have financial services as their core business, but want to take advantage of the opportunities offered by open banking.


It allows, subject to the customer’s explicit consent and in accordance with GDPR, access to account data – such as transaction list and balance – and payment data.


It allows you to initialize the transfer of money from a current account by SEPA transfer, thus creating a solution that can avoid the paying customer having to “go to the bank” to make a payment.

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Key acronyms


Third Party Provider

Intermediaries providing a PIS, an AIS or other payment services

Account Information Service Provider

Account information service providers that allow to aggregate accounts into a single tool

Payment Initiation Service Provider

Payment initiation service providers that allow to make a bank payment directly without resorting to a bank app

Account Information Service Provider

Entity that controls the customer’s online banking account and has a direct service contract with the current account holder

Find out how it works

Find out how our solution works and what the main use cases are.

Use cases

  • Multi-bank Home Banking

    It is the first useful service that a bank can offer to build customer loyalty

  • Credit Scoring

    Tool to define the risk profile and set a specific interest rate for each client

  • Direct Payment for Ecommerce

    The solution for banks acquiring for merchants on e-commerce sites

  • Data Strategy

    Data analysis services functional to marketing and commercial strategies

  • Advanced Cash-pooling

    Tools to provide companies with a high level of treasury service

  • Reconciliation

    Service for those who make company movements

Works for both payments and access to accounts

Allows TPPs to generate apps to access accounts on third-party banks as an affiliate tool for their clients and then offer their products


Allows you to obtain an accurate risk profile of those who apply for a mortgage, analyzing buying behaviour and possible unpaid loans

Provides by default an enrichment of the account flow causation for both private and business customers


Works independently of card circuits

Allows the bank to offer the possibility of obtaining payments directly to its own account, disintermediating the traditional payment circuits

Offers advantages in terms of cost and financial reconciliation to both the bank and the merchant


Allows you to suggest a certain type of account or investment to the client, based on multi-account analysis

Allows you to categorize the expenses of a specific cluster of users and propose pricing and competition information to your corporate client


Allows companies to move money between the different accounts used to manage their operations

Enables the bank to analyze the company’s cash flows on the various accounts, optimizing their management


Allows TPP to request payment of a specific amount from another account

Thanks to in-depth analysis, it prevents potential unpaid claims and requires payment from a specific account that has a sufficient credit balance.

It also facilitates debt recovery procedures

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We made it suitable for your developers

Open banking has huge potential in terms of creating new digital and personalized banking services, both for retail and corporate customers. For developers there is a wide range of opportunities to build new business.

Why choose Fabrick?

We are the first

Fabrick is the first on the Italian market to offer this solution

AIS unattended

Unattended calls with a proprietary scheduler on behalf of TPP and the data remains on Fabrick’s server

eIDAS certificates

Support service for obtaining or uploading eIDAS certificates for TTPs and banks

Integration at 4 levels

We are the only ones to offer integration of banks not at best effort, but effectively tested and running

Berlin Group Standard

Every TTP developer does not have to worry about knowing the standard adopted by the gateway used

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