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Pay by Bank in action: how to build a high-performing Pay by Bank checkout experience

The ultimate guide to designing a Pay by Bank experience that customers actively choose time and time again.

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Featured articles

VRP is back on the agenda

Recurring payments

What does 2026 hold for VRP?

Find out why VRP (AKA Bank on file) is set for a new wave of use cases in 2026.

What is Pay by Bank header

The complete guide to Pay by Bank: what is it and how does it work?

The complete guide to Pay by Bank, the fast-growing online payment method, offering an alternative to cards. Should your business be offering it at checkout?

The TrueLayer Network explained

Everything you need to know about the TrueLayer Network in 90 seconds

Find out how the TrueLayer Network is changing Pay by Bank from a simple checkout option into a conversion engine.

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15 million users milestone

TrueLayer hits latest industry milestone, surpassing 15 million consumers

This latest milestone reflects growing consumer demand for simple, secure ways to pay online without card details.

Hey, I'm Andy from TrueLayer, and I'm going to try and tell you everything you need to know about Pay by Bank—in just ninety seconds. Let’s start the clock. Let’s keep it simple. What is Pay by Bank? It’s a payment method that lets you pay directly from your bank account via your banking app—with zero need for card networks. That could mean buying pizza, paying for flights, or just about anything in between. And it’s actually pretty easy—and very quick. It looks a bit like this: start by tapping the Pay by Bank button, then choose your bank from the list. If you’ve used it before, we can even preselect your preferred bank. You then review the payment, and you’re seamlessly redirected to your bank app to approve it using secure biometrics. That’s Face ID or a fingerprint, to you and me. And that’s it—success. But no time to relax—we're on the clock! Now, this might be the first time you’re hearing about it, but every month in the UK, 27 million payments are made using Pay by Bank. And most people who haven’t tried it yet say they’d be happy to—if given the option. On the merchant side, nine out of ten businesses are already planning to adopt it in one way or another. So what’s in it for businesses? Number one: more potential sales. No cards means no long card numbers, no clunky 3DS2—just a smoother experience from start to finish. And it converts. Number two: because payment details are pre-populated and verified with biometrics, things like card-not-present fraud, chargebacks, and authorized push payment fraud are virtually eliminated. Number three: lower costs. Without all the intermediaries and manual admin, the total cost of Pay by Bank is typically lower than card payments. I'm running out of time—one last benefit: instant refunds. And trust me, shoppers love instant refunds. And breathe. That was a lot to cram into ninety seconds. If you’d like to take your time and learn more about Pay by Bank—and why brands like Just Eat Takeaway, lastminute.com, Ryanair, and Papa John’s already offer it at checkout—you can read our in-depth guide. There should be a link on screen now. And that’s it. Thanks for watching.

Everything you need to know about Pay by Bank in 90 seconds

Get up to speed on the future of payments. Understand what Pay by Bank is, how it works, and its key benefits for your business in this quick guide.

Fintech events so far in 2025

Business growth

What’s hot right now: key takeaways from Payment events so far in 2025

What have we learnt from the payment events we have attended in 2025 so far?

TrueTalk – Samith Silva – Header

TrueTalk with Samith Silva, Senior Software Engineer

Learn about Samith's TrueLayer journey, from mental health first aider training to his stint as TrueHack host.

VRP for train operators

Recurring payments

Variable recurring payments for train operators: a better way for passengers to pay

Discover how Variable Recurring Payments (VRP) can create a better way for train passengers to buy tickets. Our guide explains the key VRP changes. Learn more.

TrueLayer partners with Tebex to enter gaming market in landmark Pay by Bank deal

Tebex adds Truelayer’s Pay by Bank to its checkouts in the UK, Germany, France, Belgium & Spain. This signals a shift in how players pay and creators get paid.

Francesca true talk

TrueTalk with Francesca Penazzi, Head of Customer Operations

Discover what first brought our Head of Customer Operations to TrueLayer, and her words to live by.

Pay by Bank scheme

Compliance & reg

Realising the National Payments Vision: A step closer to a Pay by Bank scheme

Find out why we're one step closer to a Pay by Bank scheme.

Pay by Bank report

The Pay by Bank 2025 update is in, here's the TLDR

Find out everything you need to know about the quiet revolution happening at the checkout.

$10 billion TVP in one month

TrueLayer hits $10 billion payments in a single month

TrueLayer is the fastest-growing Pay by Bank network, processing $10 billion payments in April alone.

Consumer protections in ecommerce a charged debate

Consumer protections in ecommerce: a charged debate

The future of ecommerce payments requires a new debate on consumer protections. Explore the path forward for Pay by Bank and how it benefits your customers.

TrueHack 8: are you afraid of the cards?

What happened at TrueLayer's 8th instalment of its annual hackathon, TrueHack 8?

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