PAY: The future-ready to use payment initiation solution (PIS). Budget Insight is a leading Open Banking Platform trusted by 250+ European banks & insurances, fintech, and software vendors. Budget Insight's single API offers four products to build disrupting financial services and experiences, including PAY, and embedded pay-by-bank flow for online payments (PIS). PAY allows you to make instant transfers without leaving your interfaces or to pay bills via your application. Budget Insight is an authorized payment institution since March 2018 (CIB: 16948) and our AIS & PIS license is passported in 30 countries in Europe