SWIFT Service Bureau for FinTechs

What is a SWIFT Service Bureau?

A SWIFT Service Bureau is a SWIFT-certified service provider that gives banks, corporates and fintechs access to the global SWIFT network as a managed service. Instead of building, operating, securing and regularly auditing their own SWIFT infrastructure, customers use the audited infrastructure and expertise of the service bureau – with lower costs, less complexity and higher security.

EFiS: a SWIFT Service Bureau since 1997

As early as 1997, EFiS was accredited as Europe's first private SWIFT Service Bureau and has been setting standards for security and availability in international payments ever since. Today, banks, corporates and fintechs rely on our SWIFT access – operated exclusively from data centers in Germany, KRITIS-compliant, ISO 27001- and ISAE 3402-certified.

Our services as a SWIFT Service Bureau

• 24x7 operations with Security Operations Center (SOC) and Point of Contact (POC)
• Assumption of the Shared Security Officer role
• Extensive services such as RMA administration, certificate management and user management
• Certified SWIFT specialists and more than 120 successful migrations
• Support for CSP audits – EFiS is itself a certified CSP auditor
• Embargo and fraud screening as well as support for regulatory requirements

All SWIFT services from a single source

We support the full range of SWIFT services: traditional FIN messages, FileAct file exchange, FINPlus/InterAct workflows and real-time communication for Instant Payments via SwiftNet AGI. In addition, we offer services around SWIFT gpi and the migration to ISO 20022.

What the SWIFT Service Bureau means for fintechs

Sooner or later, innovative payment products need access to the traditional financial world. Building your own SWIFT infrastructure costs time, capital and regulatory know-how – resources that should go into your product. Instead of investing months in setup, certification and audits, you use the audited infrastructure EFiS has operated since 1997. Our SWIFT fiat connectivity links your platform to the global banking network – including as a bridge between blockchain-based services and traditional payments.

Whether first transactions or strong growth: the modular EFiS SaaS platform grows with you. You pay for what you use and expand when needed.

Your benefits as a fintech

• Time-to-market in weeks instead of months of infrastructure work
• Fiat access to the banking network – including for blockchain-based business models
• Scalable costs – growing with you instead of a large upfront investment
• Compliance included – CSP, embargo/fraud screening and regulatory support
• Focus on your product – operations, security and maintenance by EFiS