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Bank Sync (Ponto)

Ponto is an open banking platform that connects your business bank account to PayRequest. This enables automatic transaction syncing and powers the Bank Transfer payment method.
Powered by Isabel Group: Ponto is a trusted open banking solution used by thousands of European businesses for secure bank connectivity.

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What Ponto Enables

Transaction Syncing

Automatically import your bank transactions into PayRequest for reconciliation and reporting

Bank Transfer Payments

Accept bank transfers with automatic payment matching using reference codes

Balance Monitoring

View your real-time bank balance directly in PayRequest

Financial Insights

Better understand your cash flow with integrated bank data

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Connecting Ponto

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Prerequisites

Before connecting Ponto, ensure you have:
  • A business bank account with a Ponto-supported bank
  • Admin access to your PayRequest account
  • Your bank login credentials ready

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Supported Banks

Ponto supports most major European banks including:
  • ABN AMRO
  • ING
  • Rabobank
  • SNS Bank
  • ASN Bank
  • RegioBank
  • Triodos Bank
Check Availability: Visit the Ponto website to verify your specific bank is supported before starting the connection process.

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Connection Steps

1

Navigate to Settings

Go to Settings → Ponto in your PayRequest dashboard
2

Initiate Connection

Click Connect Ponto API to start the connection process
3

Select Your Bank

Choose your bank from the list of available financial institutions
4

Authorize Access

Log in to your bank and authorize Ponto to access your account data. This uses your bank’s secure authentication (often including 2FA)
5

Complete Setup

Return to PayRequest where your account will be synced automatically
Security Note: PayRequest never sees your bank login credentials. Authentication happens directly with your bank through Ponto’s secure infrastructure.

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Managing Your Connection

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Connection Status

On the Ponto settings page, you can see:
  • Connected Date: When the connection was established
  • Last Synced: Most recent transaction sync timestamp
  • Account Details: Your IBAN and current balance

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Available Actions

View Banks

See all available financial institutions if you want to connect additional accounts

Refresh Accounts

Manually trigger an account refresh to get the latest transactions

Remove Connection

Disconnect your bank account from PayRequest (this doesn’t affect your bank)

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Transaction Syncing

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Automatic Sync

Once connected, Ponto automatically syncs your transactions:
  • Frequency: Every few minutes during business hours
  • History: Imports recent transaction history
  • Direction: Both incoming (credits) and outgoing (debits)

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Transaction Data

Each synced transaction includes:
FieldDescription
DateTransaction execution date
AmountTransaction amount with direction
DescriptionBank-provided transaction description
CounterpartName of the other party
ReferencePayment reference/communication
StatusBooked or pending

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Viewing Transactions

To view your synced bank transactions:
  1. Go to Settings → Ponto
  2. Find your connected bank account
  3. Click View Transactions
Transactions are displayed with color coding:
  • Green: Incoming payments (credits)
  • Red: Outgoing payments (debits)

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Bank Transfer Payments

One of the most powerful features enabled by Ponto is automatic Bank Transfer payment matching.

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How It Works

1

Enable Bank Transfer

Toggle “Bank Transfer Payment Method” on in your Ponto settings
2

Customer Pays

Customer receives your IBAN and a unique reference (e.g., PAY-12345)
3

Transfer Made

Customer transfers the exact amount with the reference to your account
4

Auto-Match

PayRequest detects the incoming transaction and matches it by reference
5

Invoice Paid

The invoice/order is automatically marked as paid

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Configuration

In the Bank Transfer section of Ponto settings:
  • Toggle: Enable/disable Bank Transfer as a payment option
  • IBAN Display: Your IBAN shown to customers (auto-detected from bank)
  • Account Name: Your account name shown to customers
  • Custom Instructions: Add your own guidance text for customers
Add helpful instructions like:
Please include the reference code exactly as shown in your payment description.
Payments are typically matched within 24 hours. For urgent orders, please
contact us after making your transfer.

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Where Bank Transfer Appears

When enabled, Bank Transfer shows as a payment option on:
  • Payment pages
  • Invoice payment portal
  • Smart links
  • Checkout (coming soon)
Bank Transfer is not available for recurring payments or subscriptions. Use SEPA Direct Debit for those use cases.
For complete Bank Transfer documentation, see Bank Transfer Payments.

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Transaction Categorization

PayRequest helps you organize synced transactions:

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VAT Categories

Categorize transactions for accounting:
  • Standard Rate (21%)
  • Reduced Rate (9%)
  • Zero Rate (0%)
  • Exempt
  • Out of Scope

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Bulk Editing

Select multiple transactions and:
  • Assign VAT category
  • Add notes
  • Mark as reviewed
  • Export for accounting

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Security & Privacy

PSD2 Compliant

Ponto operates under EU PSD2 regulations for open banking security

Bank-Level Security

All data transmission uses bank-grade encryption

No Credential Storage

PayRequest never stores your bank login credentials

Revocable Access

You can revoke access anytime through your bank or PayRequest

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Data Access

Ponto provides read-only access to:
  • Account balances
  • Transaction history
  • Account holder information
Ponto does not have access to:
  • Initiate payments from your account
  • Modify your account settings
  • Access other bank accounts you haven’t authorized

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Troubleshooting

Common causes:
  1. Bank not supported: Check if your bank is in Ponto’s network
  2. Authentication timeout: Try again - bank sessions can expire
  3. 2FA issues: Ensure you complete all authentication steps
  4. Browser issues: Try a different browser or clear cache
Solution: Wait a few minutes and try again. If persistent, contact support.
Check these:
  1. Is the connection still active? (Check for “Connected” status)
  2. Click “Refresh Accounts” to force a sync
  3. Some banks have sync delays (especially weekends)
  4. Very recent transactions may take a few hours to appear
Note: Bank transaction availability varies by institution.
Matching requires:
  1. Exact reference (e.g., PAY-12345) in payment description
  2. Exact amount (to the cent)
  3. Transaction synced to PayRequest
Debug steps:
  • Check if transaction appears in Ponto transactions list
  • Verify the reference in the transaction description
  • Compare amounts exactly
Bank connections may need reconnection if:
  • Your bank requires periodic reauthorization
  • You changed bank credentials
  • The bank updated their systems
To reconnect: Remove the existing connection and add it again following the setup steps.

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Pricing

No additional cost for Ponto integration within PayRequest. Bank Transfer payments have no transaction fees from PayRequest.

Bank Transfer Payments

Complete guide to accepting bank transfers with automatic matching

Payment Methods Overview

Compare all available payment methods

Transaction Reports

Analyze your payment and bank transaction data

SEPA Direct Debit

For recurring payments, use SEPA Direct Debit instead