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Streamline onboarding, prevent fraud and delight users with instant on-ramps

Plus, reduce processing costs to a fraction of traditional payment methods. Yes, Pay by Bank can do all that — and more.

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Pay by Bank is packed with benefits

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    Increase deposits

    Make your on-ramp a breeze with instant bank payments that settle in seconds. Nearly anyone with a UK or EU bank account can deposit with Pay by Bank.

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    Lower costs

    Pay by Bank cuts processing and operational costs to a fraction of traditional payment methods.

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    Support compliance

    Easily prove source of funds with deposits direct from verified bank accounts.

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    Minimise fraud

    Eliminate penny checks and misdirected payouts. Automatically and instantly verify bank account ownership before you send a real-time payout.

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    Streamline onboarding

    Up to 50% of new users abandon onboarding due to friction. Instantly source identity data and verify bank account ownership for faster, easier KYC checks.

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    No chargebacks

    Eliminate the revenue losses, cashflow disruptions and operational burdens of chargebacks.

Easy to use

Pay by Bank makes deposits seamless.

Users authorise transactions directly with their bank via app-to-app redirection and biometric authentication. In some markets, a one-time setup unlocks one-click deposits for future convenience.

You‘re always in control

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    Customise

    Your exchange, your brand. Customise your payment flows to fit your needs.

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    Plug-n-play

    Easily embed into any experience, channel or device. Effortlessly transition desktop to mobile using QR for faster authentication with fingerprint or face ID.

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    Licencing as a service

    Use our plug-and-play payment flows and go to market faster under our licences (PISP/AISP, UK/Europe) for open banking.

Partner with a recognised market leader

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    A complete solution

    One partner for the easiest access to leading Pay by Bank schemes, the broadest acceptance, highest conversions and fastest time to success.

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    Unrivalled acceptance

    Reach more payers in more markets. Initiate payments to over 567 million bank accounts in the UK & Europe through our unrivalled Pay by Bank network.

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    Built for scale

    Our platform and service have the scale to suit the UK and Europe’s largest crypto exchanges.

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PAY BY BANK INFRASTRUCTURE

Powering leading Pay by Bank schemes and unrivalled open banking connectivity.

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Cutting-edge infrastructure

Explore our products

Recent awards

  • Award Icon

    Merchant Payment Ecosystem Awards

    Winner: Best Open Banking / A2A Payment Solution 2026

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    Juniper Research Future Digital Awards

    Winner: Best A2A Payments Platform 2026

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    Open Banking Expo Awards

    Winner: Best Open Banking Payment Project 2025 - Consumer

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