Account-to-Account payment rails
The modern A2A payment infrastructure powering instant, low-cost, fraud-free money movement between bank accounts worldwide.
Why A2A payments?
Direct bank transfers outperform cards and traditional payment methods on every metric.
Eliminate card network fees
Remove Visa/Mastercard interchange and scheme fees from your payment stack entirely.
Real-time settlement
Funds settle in real-time directly between bank accounts — no T+1 or T+2 delays.
End-to-end encryption
Bank-to-bank transfers with full 256-bit encryption and zero exposure of card data.
Regulatory compliance
Built on Open Banking rails, fully regulated under PSD2 and FCA frameworks.
Global bank coverage
Connect to 4,000+ banks across 30+ countries with intelligent payment routing.
Developer-first API
Clean RESTful API with comprehensive docs, SDKs, and a full sandbox environment.
How A2A compares
| Feature | A2A (a2apayvrp) | Card Payments | Direct Debit |
|---|---|---|---|
| Settlement time | Instant (<2s) | T+1 to T+3 | 1-3 business days |
| Transaction fees | 0.2-0.5% | 1.5-3.5% | 0.1-0.2% |
| Chargeback risk | None | High | Low |
| Customer auth | Bank SCA | 3DS optional | Sort code + account |
| API integration | REST / Webhooks | REST / SDKs | File-based / BACS |
| Real-time confirmation | ✓ Yes | ✗ No (async) | ✗ No |
Power your business with A2A payments
Join the institutions already running on A2A infrastructure — lower costs, faster settlement, zero fraud.