API-Driven Payment Infrastructure

Januar provides REST API infrastructure enabling businesses to build crypto and fiat payment processing capabilities directly into their platforms and applications. Operating under Payment Institution licensing with full Danish FSA regulation, the platform delivers secure banking and digital asset infrastructure for accepting customer payments, processing merchant transactions, and automating payment workflows.

Payment Processing Capabilities

The Januar API offers programmatic access to SEPA payment initiation (Credit Transfer and Instant), international payment execution via SWIFT for USD transactions, real-time payment status tracking, crypto trade execution through an RFQ (Request for Quote) system, and multi-signature approval workflow management. Payment processing supports EUR, DKK, and USD currencies with named IBANs from multiple jurisdictions (DE, DK, LU, GB).

Webhook-Based Real-Time Notifications

Development teams register webhook endpoints to receive instant notifications for account events, enabling reactive business logic and automated payment reconciliation. Webhook events include incoming payment confirmations with sender details, outgoing payment status updates, account balance changes, crypto trade execution confirmations, and approval request notifications for team-based workflows. Janeiro implements automatic retry logic with exponential backoff and signature verification for webhook security.

Crypto Payment Acceptance and Conversion

Merchants can accept cryptocurrency payments (BTC, ETH, SOL, TRX, USDC, EURC) with automatic conversion to EUR, eliminating volatility exposure. The RFQ model provides firm pricing quotes valid for 30-60 seconds, with settlement occurring in near real-time. Lightning Network integration supports instant, low-cost Bitcoin transactions ideal for frequent BTC payments.

Embedded Payment Processing for Platforms

Platforms can embed complete payment processing functionality through Januar's white-label infrastructure, provisioning unique IBANs for each business client through programmatic workflows. Partners maintain full control over customer relationships, branding, and pricing while Januar handles compliance, regulatory reporting, and transaction monitoring. Each embedded account supports SEPA, SWIFT, and crypto payment acceptance.

Why Choose Januar

Januar combines full Payment Institution licensing with crypto-native infrastructure, providing API-first payment processing that traditional banks cannot offer to crypto businesses. The platform's webhook architecture, multi-currency support, and integrated crypto conversion eliminate the need for multiple service providers, reducing operational complexity while maintaining European regulatory compliance.