Ponto is your ultimate solution for quickly linking your bank accounts to your favorite software, enabling you to automate critical business processes within your organization, such as bookkeeping, invoice reconciliation, payments, cash management, and property management.

With Ponto, your software can access your financial data (account details, balances, transaction lists) and enable secure payment initiation with your various banks across Europe. Ponto is a regulated service by the National Bank of Belgium and accesses your bank accounts only with your explicit consent, through a specific, encrypted channel of your bank (in compliance with all applicable regulations like PSD2 and GDPR).

Ponto can be seen as an extension of your software for bank connectivity, and once the connection between your software and your bank is established, Ponto operates invisibly in your day-to-day activities.

Ponto provides an intuitive dashboard, a one-stop user interface where you can add new bank accounts, manage your software integration, oversee your consents, view all your transactions, sign payments, export transactions, and much more. Activating the Ponto dashboard is optional if the Ponto fees are included in your software subscription (please contact your software vendor if needed). If you are directly invoiced by Isabel, you must activate your dashboard to set up your billing preferences.

Note that Ponto is primarily intended for companies with valid VAT or enterprise numbers (B2B service). Consumers can use Ponto provided that the Ponto fees are included in their software subscription and they are not directly invoiced by Isabel (please contact your software vendor if needed).

Check out the most frequently asked questions regarding Ponto!