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Ecommerce

Pay by Bank to lower payment costs and convert with confidence

Plus, fight fraud, eliminate chargebacks and maximise cashflow. Yes, Pay by Bank can do all that — and more.

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Payments packed with benefits

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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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    Boosts conversions

    With no unnecessary friction, Pay by Bank can deliver conversion rates over 95% in top markets.

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    Easy to use

    Pay by Bank with biometric authentication in just a few clicks. In select markets, enjoy one-click payments after a simple, one-time setup.

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    Every channel

    Embed Pay by Bank into any experience including POS (QR), chat and invoices (pay by link). Effortlessly transition desktop to mobile using QR.

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    Real-time

    Deliver goods and services faster, and improve cashflow management. Pay by Bank settles in seconds, not days.

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    A safer way to pay

    Every payment is authenticated directly with a bank to eliminate fraud. Merchants never store or share sensitive data.

Easy & instant

Pay by Bank users enjoy seamless transactions, completing payments and deposits with biometric authentication in just a few clicks.

See Pay by Bank in action.

Explore our Use Case Library.

We cover all the bases

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    Instant refunds

    Satisfy customers and eliminate extra work with automated, instant API-driven refunds. Reconciliation is easy with dedicated UK/EU settlement accounts.

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    Customisable UX

    Your checkout, your brand. Customise our payment flows to fit your needs.

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    Plug-n-play

    Easily embed into any e-commerce experience. Switch from desktop to mobile devices with QR for faster authentication (fingerprint or face ID).

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    Growth services

    Drive adoption and maximise the benefits of Pay by Bank with our training, advisory and support services.

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    Real-time statuses

    Get real-time visibility and control over transactions and refunds with dedicated settlement accounts.

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    Licencing as a service

    Use our conversion-boosting payment flows to go to market faster under our licences (PISP/AISP, UK/Europe).

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21 Countries

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

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Partner with the leader in Pay by Bank

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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 world’s largest e-commerce platforms and marketplaces.

Cutting-edge infrastructure

Explore our products

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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