What are APIs and why do you want them for business banking?

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In recent years, APIs have emerged as game-changers for banks and fintech companies. Though these powerful tools have been part of the business landscape for over two decades, their adoption in the banking sector is now accelerating as financial institutions embrace cutting-edge technology. As a customer, you crave seamless, efficient ways to manage your money and business.

Enter APIs, the key to transforming your financial experience.

What is API?

APIs, or application programming interfaces, are tools that enable software to communicate and preform a series of tasks. In the banking world, they allow secure access to financial services for third-party platforms, helping companies build innovative products around banking services.

They work by communicating between our core and your platforms – providing access to your financial information in the way you need it. Essentially, the core of the banking operation remains the same, but your experience is significantly enchanced.

However, this doesn’t mean your data and personal information is available to others. We offer a safe and secure API banking solution, and we’re committed to only the best cyber and information security.

How do APIs help me as a business owner?

The introduction of APIs to the banking industry have greatly improved the way businesses manage their online banking experience. Our series of industry-leading APIs, allow you to integrate your BankProv accounts into your own platform or apps; providing a customized solution to help you streamline your operations, manage your finances, and make it even easier to send and receive money.

With the use of APIs, you can start managing your money the way you need.

Account Management

When it comes to traditional banking methods, you probably find yourself logging in and out of websites and systems to help you manage your business’ day-to-day needs. Our business checking accounts allow our commercial banking clients to manage their money from within their own operating system by using our APIs to get up-to-date, accurate information of your accounts and maximize business productivity.

Real-time Transfers

We believe that being prepared for the future is how you can grow your business, but you’re going to want to have a bank partner who can move at your speed. Our ProvXchange™ network enables our clients to send real-time transfers 24 hours a day, 7 days a week, 365 days a year between their BankProv accounts and the accounts of other BankProv clients without the delays of traditional payment rails.

Transform Tomorrow

As a business owner, you need to be able to focus on how to build and scale your business, not on your banking. With API enabled banking you’ll have more time and tools to help you grow with confidence.

How do I get more advanced API functionality through BankProv?

For our corporate clients, BankProv offers a sophisticated suite of APIs. Please review the Developer Dashboard or contact a Relationship Manager for more information.

How do I know if the ProvXchange network is right for my business?

BankProv offers a sandbox testing environment for our new ProvXchange network. The developer sandbox is the perfect opportunity for your business to understand how BankProv’s APIs will perform in a live production environment.

Visit developer.bankprov.com and select the Register button to set up your sandbox keys and gain access to your test checking accounts.

Participating in ProvXchange™ requires an active banking relationship with BankProv. Not a client? Check out our Business Checking Products and find the perfect solution for your business.

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