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Open banking

Pay by bank with open banking.

Let customers pay straight from their bank account, approved in their own banking app, and use account data with their consent, across the EU and UK, without becoming a regulated provider yourself.

01

Pay-by-bank checkout

Account to account

The customer chooses their bank, approves the payment in their banking app, and the money moves straight from their account to yours. No card and no card number.

  • Payment Initiation Services (PIS)
  • Instant rails where the bank supports them
  • SEPA Instant and UK Faster Payments
  • Redirect and QR flows for mobile and desktop
  • Real-time payment status updates
  • Refunds by bank transfer
02

Secure by design

Approved by the customer's bank

Every payment is authenticated by the customer's own bank, so there are no card details to collect or protect.

  • Strong Customer Authentication by the bank
  • No card details collected or stored
  • Every payment approved by the account holder
  • No card chargeback process
  • Clear consent records
03

Account information

With the customer's consent

With the customer's permission, read account details, balances and transactions to check who owns an account, assess affordability or speed up onboarding.

  • Account Information Services (AIS)
  • Account ownership checks
  • Balances and transaction history
  • Consent management and renewal
  • Reconciliation support
04

No licence of your own needed

EU & UK coverage

Use open banking through us without becoming an authorised AISP or PISP yourself, on the same integration as your other payment methods.

  • PSD2-compliant APIs
  • Direct bank connectivity
  • Banks across the EU and UK
  • One integration with your other methods
  • Unified reporting and settlement

Ready to grow without limits?

Payments, business and personal accounts, and licensing, all in one place. No upfront cost. No long contracts. Just results.