Payments direct from bank to bank
The next-generation checkout experience. Let customers pay directly from their bank account — no cards, no fraud, no chargebacks.
Why choose Pay by Bank?
A superior payment experience for customers, lower costs for merchants.
Bank-authenticated payments
Customers authenticate directly with their bank using existing credentials — no card details, no CVV, no fraud risk.
Instant checkout
Streamlined payment flow with pre-populated bank details and single-click authorisation via bank app.
Lower transaction costs
Bypass card network fees. Pay-by-Bank costs up to 80% less per transaction than card payments.
Zero chargebacks
Payments are irrevocable and bank-authorised — eliminating the chargeback risk entirely.
Multi-bank support
Connect to 4,000+ banks across 30+ countries with automatic bank detection and routing.
Real-time reconciliation
Instant payment confirmation with automated reconciliation and detailed reporting.
Common use cases
E-commerce checkout
Replace card checkout with Pay-by-Bank to reduce costs, eliminate chargebacks, and improve conversion.
Bill payments
Enable one-click bill payment for utilities, insurance, and finance from any bank account.
Marketplace payouts
Pay suppliers, contractors, and gig workers directly to their bank accounts in real-time.
Ready to launch Pay by Bank?
Integrate in minutes with our API and start accepting bank-to-bank payments today.