The specialist payment gateway
One integration for every way your customers pay.
3,000+ banks and our card network behind a single API. Sola routes every payment to the rail that costs less and clears faster.
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One integration for every way your customers pay.
Sola is the gateway layer for regulated businesses. Pay by Bank, cards, Apple Pay and Google Pay, and payouts — connected once, run from one dashboard, routed to whatever clears cheapest.
One connection
Turn on the methods you need. We connect them, route between them, and reconcile them in one place.
- Pay by Bank
- Cards
- Apple Pay & Google Pay
- Payouts
One dashboard
Every method settles into the same balance, the same reports and the same reconciliation file.
- Pay by Bank63%
- Cards & wallets31%
- Payouts6%
Typical uplift
+5%
More payments cleared than a card-only setup, a typical figure once Pay by Bank sits beside cards.
Our Platform
One integration, every method your customers use. Turn on what you need.
Explore the platformAccount-to-account payments authorised inside the customer’s own banking app. No card numbers, no interchange, and funds that settle in seconds rather than working days.
- Instant pay-ins
- 3,000+ banks
- PSD2
- SCA
- Zero chargebacks
What the customer sees
EN
What you see
| Payment | Method | Status | Amount |
|---|---|---|---|
| pay_9fK2xQ | Pay by Bank | Succeeded | €12.50 |
| pay_8dL1mR | Pay by Bank | Pending | €240.00 |
| pay_7cK9pQ | Card | Succeeded | €89.00 |
| pay_6bJ4nT | Apple Pay | Succeeded | €31.20 |
| pay_5aH2kM | Pay by Bank | Refunded | −€12.50 |
- processing0 ms
- success142 ms
How it works
From checkout to confirmed, in seconds
The customer chooses their bank and approves the payment in their own banking app.
- 01
Pick the bank at checkout
Thousands of connected institutions, searchable by name.
- 02
Approve with a fingerprint
Authentication happens inside the banking app, on the bank’s own infrastructure.
- 03
Funds confirm in real time
The payment shows in your dashboard before the customer closes the tab.
Who runs through the gateway
We are the layer underneath, not the licence on top. Three kinds of business route volume through Sola — each with a different reason for being here.
Licensed operators
You hold the licence. We move the money underneath it.
Platforms and aggregators
One integration for merchants that are not your own.
Merchants with their own providers
A second rail beside the acquirer you already have.
- Connected banks
- 3,000+
- Markets covered
- 28
- Platform uptime
- 99.99%
- Processed annually
- €420m+
Developers
One REST API for every method. Sandbox keys the day you ask, signed callbacks, and a drop-in checkout you can ship in an afternoon.
Read the docsOne call, every method
POST /v2/payment/banks/{payment_method}/sale{ "general": { "project_id": 42, "payment_id": "order_10482", "signature": "<HMAC-SHA-512>" }, "payment": { "amount": 4900, "currency": "EUR" }, "return_url": { "success": "https://- REST API
- One endpoint set for every method, versioned and idempotent.
- Callbacks
- Signed callbacks, retried until you answer 200.
- Sandbox
- Test cards and a test bank flow come with your sandbox keys.
- SDKs and checkout
- Server-side libraries plus a hosted checkout you can drop in.
Talk to us
Your number from the calculator
+€2,250,000
a year you are leaving on the table at 50,000 attempts a month.
RecalculateTell us your volumes and markets. We come back with a written cost comparison against your current setup — usually within two working days.
- A named person replies, not a ticket queue.
- No integration commitment to get the numbers.
- Sandbox access on request, same day.
Prefer email?
info@sola.liveCompliance
Payments are a licensed business, so the boring questions matter. Who the counterparty is, what it is certified for, and where the money sits between pay-in and settlement.
Regulation
Licensed partners
Sola provides payment technology. Payment services are provided by licensed partners.
Card security
Tokenised card data
Card data is tokenised on our side and never reaches your servers.
Strong authentication
PSD2 and SCA
Every Pay by Bank payment is authenticated inside the customer’s own banking app.
Audit trail
Every payment traced
Every state change on every payment is recorded and exportable.
Reliability
99.99% uptime
Measured across the gateway, rolling 12 months.
Data
UK and EU residency
GDPR-compliant processing, DPA and sub-processor list on request.
Questions
The things merchants ask before they sign — answered without the marketing gloss.
Something else? Talk to usRefunds on Pay by Bank are coming soon; card refunds go back from the dashboard today. And because bank transfers are push payments, there is no chargeback to defend — disputes are settled directly with the customer.
Over 3,000 institutions across the UK and EU, through our open banking partners. We share the live list per market during onboarding, and the bank picker at checkout is searchable, so a customer finds theirs in a couple of keystrokes.
Sandbox keys on the day you ask, and you can go live in as little as a week — the limiting factor is usually your compliance paperwork rather than the integration, which is one REST API and a set of callbacks.
Yes. Cards, Apple Pay and Google Pay run on the same integration, and routing decides per payment which rail to use. Nothing in your current card setup has to be switched off to start testing Pay by Bank.
Sola provides payment technology. Payment services are provided by licensed partners, named per market in your agreement.
Stop paying card rates.
Send your monthly volumes and markets. We come back with a written cost comparison against your current setup.