# Services

| Service | What it does |
| --- | --- |
| [Payment Gateway](https://developers.payout.tech/guides/payment-gateway.html) | Accept payments with many payment methods, and refund them. |
| [M2M Withdrawals](https://developers.payout.tech/guides/m2m.html) | Send withdrawals server to server over mTLS, signed with QSEAL. Set up the certificates in [mTLS client certificates](https://developers.payout.tech/guides/certificates.html). |
| [Banklink API](https://developers.payout.tech/guides/banklink.html) | Access users' bank accounts and initiate payments through one OpenBanking API. |
| [IBAN ownership verification](https://developers.payout.tech/guides/verification.html) | Verify that a user has access to a bank account and owns it, using Banklink. |
| [OpenBanking PSD2 API](https://developers.payout.tech/guides/psd2.html) | Give third-party providers PSD2 access to Payment Gateway accounts. |
| [PayoutID](https://developers.payout.tech/guides/payout-id.html) | OAuth2 and OpenID Connect provider, with identity verification and AML checks. |
| [FraudNet Federated Learning](https://developers.payout.tech/guides/fraudnet-fl-client.html) | Train a shared fraud model without sharing transaction data, and score transactions on your own infrastructure. |