Avy: payments that power growth across markets
Avy is a customer platform for real estate across Europe, giving renters a single place to handle everything from rent to broadband. To turn payments into a driver of engagement, Avy needed low-friction and reliable payment flows. They built them with Tink.
Avy uses Tink’s open banking infrastructure to make rent payments faster, simpler and more reliable for tenants.
The platform processes millions of euros in transactions each month and has achieved up to 45% year-on-year growth with the help of open banking payments.
By reusing existing integrations, Avy was able to expand into new markets quickly, including launching payments in Finland within days.
Avy is a customer platform for real estate across Europe, giving renters a single place to handle everything from rent to broadband. To turn payments into a driver of engagement, Avy needed low-friction and reliable payment flows. They built them with Tink.
Avy offers consistently fast transaction completion times
Processes millions of euros in transactions every month
Up to 45% year-on-year growth with the help of open banking payments
What Avy wanted to solve
Making the biggest payment of the month easier
Avy is a Swedish software company behind a tenant management platform used across the Nordics and Europe. It has captured around 20% of the Swedish rental segment, bringing billing, invoicing and payments, tenant communication and reporting, and services like broadband and electricity all into one place.
Payments sit at the heart of their user experience. For most tenants, rent is the single largest payment they make each month, so the flow needs to be low-friction and dependable - anything less hurts engagement.
Avy needed a payments foundation that could reduce friction for both developers and end users, and that could help them scale as they expanded into new markets.
How they solved it
Low-friction payments, built to scale
Avy built its payment flows using Tink’s open banking infrastructure, embedding them into the user moments that matter most - paying rent. Rather than entering card or bank details, a tenant confirms the payment with Pay by Bank, picks their bank, and authenticates securely in their own banking app. It’s a fast and reliable flow, applied to the platform’s most important transaction.
The results show in the metrics Avy watches most closely. Conversion is high, transaction completion times are fast, and the platform now processes tens of millions of euros in transactions every month.
Open banking, powered by Tink, hasn’t just kept pace with Avy as a business - it has helped power it. Avy has grown 45% year-on-year, and open banking is a key enabler of that scale.
When Avy went live in Finland, it only took a few days to launch real payments in production, reusing integrations they had already built for other markets.
"For our tenants, they’re using our platform to make one of the biggest payments they have to make within the month - their rent payment. This whole process is important for us to have trust with a partner we’re working with, but even more important is that we come together to build trust on the end user side, so they trust the product they’re using."
Igor Kova, CTO at Avy
Why it matters
Open banking as a business enabler, not just integration
For any platform where payments drive engagement, open banking is more than just the plumbing. Avy’s story shows what happens when open banking is treated as a business enabler: faster market entry, higher customer engagement, and growth that the technology actively powers rather than just supports.
For companies like Avy expanding across the Nordics and Europe, that’s the difference between payments keeping up and payments opening doors.
Get started with Tink. Contact our team to learn more about what we can help you build.
More in Open banking
2026-08-11
8 min read
Beyond one rail: What the next chapter of Dutch payments means for merchants
As Dutch payments evolve beyond a single rail, merchants must rethink how they balance cost, risk, settlement speed, and customer experience. Learn how payment optionality, Pay by Bank, and multi-rail strategies can help future-proof your checkout and support long-term business growth.
Read more
2026-08-11
8 min read
Beyond one rail: What the next chapter of Dutch payments means for merchants
As Dutch payments evolve beyond a single rail, merchants must rethink how they balance cost, risk, settlement speed, and customer experience. Learn how payment optionality, Pay by Bank, and multi-rail strategies can help future-proof your checkout and support long-term business growth.
Read more
2026-08-11
13 min read
Building a PSP strategy for a multi-rail future
Dutch A2A payments are evolving. Discover how PSPs can help merchants navigate a multi-rail future with Pay by Bank, open banking capabilities, and value-added services that improve flexibility, reduce risk, and drive growth.
Read more
Get started with Tink
Contact our team to learn more about what we can help you build – or create an account to get started right away.
