Amrit Satpathy
Ecosystem Manager
Welcome Pinecone to the NayaOne Marketplace, making its SEPA Request-to-Pay (SRTP) payment solutions accessible to a range of financial institutions to discover and evaluate through NayaOne’s Digital Transformation Platform.
Pinecone offers SEPA Request-to-Pay (SRTP), which a standardised real-time messaging layer on top of European financial infrastructure. SRTP is use case agnostic and payment method agnostic. Customer journey, authentication and approval of payment happens always on customer mobile banking app. The process works swiftly, when customer adds IBAN only once. Pinecone stores IBAN securely and processes payment requests on behalf of financial institutions, merchants, fintech platforms, corporates, and invoicing companies.
Pinecone solutions include:
- EBA Clearing Connectivity Services (RT1, R2P, STEP2): Cloud native, secure, fully automated and scalable integration to EBA Clearing services for all banks having footprint in Europe.
- SEPA Request-to-Pay (r2p) Services: SEPA Request-to-Pay is use case agnostic and payment method agnostic messaging layer which works as a foundation for European payment services and e-invoicing services.
- Customer Funds Management Service: Payment institution license as a service for companies currently operating without license to manage their customer’s funds.
We are thrilled and inspired to join NayOne's platform. As a forerunner of R2P we are committed to accelerate the onset of R2P-ecosystem by lowering the cost- and compliance barriers from Banks to join R2P. We support NayaOne’s mission to enable and drive digital transformation through Bank Fintech partnerships via its Digital Transformation Platform.
Sami Karhunen
CEO and Co-Founder, Pinecone
We at NayaOne are pleased to announce the launch of Pinecone on the tech marketplace. Financial institutions can streamline their payment operations with this addition, which is a great boost.
Oli Platt
Product and Marketplace Manager, NayaOne
Pine & Cone Oy is a payment institution regulated and supervised by Finnish Financial Supervisory Authority since 2016. As the first organisation in Europe, Pinecone became SEPA Request to Pay scheme member in April 2022. The company has product portfolio of following three services: 1) Request-to-Pay services, 2) EBA Clearing -connectivity, and 3) Customer funds management services.
