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Crypto

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

    Eliminating intermediaries and running on open banking rails, Pay by Bank cuts processing 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.

See Pay by Bank in action. Explore our Use Case Library.

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 you can go to market faster under our licences (PISP/AISP, UK/Europe).

Partner with a recognised market leader

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    A complete solution

    High conversion payment flows. Feature-boosting settlement accounts. Self-service dashboard. Meaningful reporting. All in one powerful solution.

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    Unmatched reach

    Reach more payers in more markets. Initiate instant bank payments to over 567 million bank accounts in the UK and Europe.

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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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21 Countries

Best-in-class connectivity to over 90% of bank accounts in most markets

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Cutting-edge infrastructure

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Recent awards

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    Juniper Research Future Digital Awards

    Best A2A Payments Platform 2025 – Platinum Winner

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    Open Banking Expo Awards

    Best Open Banking Payment Project 2025 - Consumer - Winner

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    Banking Tech Awards

    Best Digital Solution Provider (PayTech) 2025 - Highly Commended

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