Pay by Bank, done properly.
Your customer pays from their bank account, approves in their banking app, and the money is confirmed before they leave the page.
Pay by Bank
€1,250.00
Bank
Approve
Confirmed
Search 3,000+ banks- HHarbor Bank›
- NNorthwind›
- CCrestline›
- AAurora Savings›
Approve in your banking app
We've sent a request to Harbor Bank
H
HARBOR BANK · now
Approve €1,250.00 to Acme Ltd
DeclineApprove
Waiting for approval…Approved with Face ID
Funds confirmed
€1,250.00 · confirmed in 2.4s
- Reference
- SOLA-7F3K2
- Bank
- Harbor Bank
- Status
- Settled
- connected banks
- 3,000+
- to confirm funds
- Seconds
- interchange
- 0%
- coverage
- UK + EEA
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.
What you get
Interchange-free pricing
No card scheme fees in the chain, so it is always cheaper than cards.
Confirmed in real time
Funds are confirmed as the payment happens; settlement in seconds where the bank supports instant rails.
No chargebacks
These are push payments, so there is nothing to charge back. Disputes are handled directly with the customer.
3,000+ banks
Coverage across the UK and the EEA, searchable by name at checkout.
Your checkout or ours
Use the hosted checkout, or build your own UI over the API.
SCA by the customer’s bank
Authentication happens in the bank’s app. No liability-shift games.
Where it is strong
High-ticket deposits
No card limits to hit and no chargebacks to fight — large payments clear in one go.
Repeat customers
The customer’s bank is remembered, so the next payment is a single approval.
Mobile checkout
Hands off to the banking app and comes back approved with Face ID or a fingerprint.
Markets where card approval is low
Skips issuer declines entirely — the customer’s own bank approves the payment.
SPECS
- PSD2 PIS
- SCA
- EUR (GBP coming soon)
- Instant + non-instant rails
- Webhook + polling status
- IBAN fallback path
Questions
The things merchants ask before they sign — answered without the marketing gloss.
Something else? Talk to usPay by Bank refunds from the dashboard are coming soon. Because these are push payments there is no chargeback to defend — disputes are settled directly with the customer.
They pick their bank from a searchable list, get handed to their own banking app, approve with a fingerprint or Face ID, and come straight back to your confirmation page. No card number, no IBAN to type.
The UK and the EEA, with more than 3,000 connected institutions. Coverage varies by market, and we share the live bank list per country during onboarding.
Some banks confirm within seconds, others take longer. The status updates automatically and you are notified either way — by webhook, or by polling if you prefer.
See it on your own traffic.
Send us your volumes and markets and we come back with a written cost comparison against your current setup.