Industries
Your platform moves money. When something goes wrong, it's your name on it.
Every payment your platform initiates carries your reputation. When a vendor payment goes to a fraudulent account, your customer loses money — and your platform answers for it. sikker.me is the trust layer you embed. Silent unless something is wrong (no alerts unless a registry-recorded change occurs). Registry-authoritative. Under three seconds.
Integration
One endpoint. White-label ready. Zero user friction.
POST /v1/verify
Pass: payee name, IBAN, jurisdiction
Receive: Confirmed / Mismatch / Unverifiable — under 3 seconds- No new UI surface required — integrate into existing payment approval flow
- White-label verdicts — surface as your own trust signals
- Webhook support — push alerts into your notification layer
- Audit trail API — sync records to your compliance system
- Per-verification pricing — scales with your volume
Regulatory risk
PSR / PSD3 introduces platform liability. Coming 2027–2028.
Under the incoming Payment Services Regulation (PSR), online platforms face direct liability for fraud that originates on their infrastructure — if they failed to remove notified fraudulent content or to cooperate with PSPs on fraud prevention. For embedded finance platforms: your payment flows will be in scope, your fraud controls will be examined, registry-sourced verification is the defensible standard. Building the trust layer now means demonstrating due diligence before the regulation arrives.
User experience
Nothing. Unless something is wrong.
Payment proceeds, no interruption.
Alert surfaced in your existing UI. "Payee details cannot be verified — please review."
Flagged for manual review with guidance.
Your user experience is unchanged for legitimate payments. Fraud is surfaced at the moment it matters — before the wire.
Everything included
Everything you need to embed trust.
- API-first architecture — single endpoint, clean JSON
- White-label verdict output — brand as your own
- Webhook alerts — push to your notification system
- Audit trail API — full records accessible programmatically
- Volume-based pricing — starts at €0.10/verification
- SLA available — 99.9% uptime for enterprise tier
- GDPR-native — no payment amounts or personal data stored