Data, your power to personalise

Our real-time Data API add-on helps you create easy, fast, secure and highly-personalised payment experiences—keeping your business ahead of the game.

Natwest

Details

£1,750.00

Barclays

Details

£3,250.00

All accounts

£5,000.00

Real-time data

instant and secure

Success

Account linked

Leap ahead of the competition

Mobile-first payments enhance everything from the way we buy pizzas to how we finance our holidays. Yet with fierce competition, and customers expecting intuitive and frictionless payment experiences, it takes something extra to stay ahead. That’s where our real-time Data add-on swoops in.

UI elements representing successful account connections

Enjoy real-time, real customer connection

Our single API connects you to verified bank customer data in an instant—safely and in real-time. This super-power means you can respond to your customers needs immediately with fast, secure and personalised experiences.

Our real-time data enhances how you show up for customers everywhere. From personalised incentives to money management and increased security— we help you boost engagement and loyalty, while reducing costs.

Man using a phone with UI representing successful connections

Data gets you closer to your customers

Fraud-protected

Biometric authentication and customer insight data reduce the risk of fraud, money laundering and bad actors

Stay responsible

Real-time affordability checks protect your business’s reputation, as well as guaranteeing customer safety.

Optimised experiences

Data helps us tailor the user’s experience, like remembering their bank, so repeat payments are simpler. This in turn boosts conversion.

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Build insightful products with hard-working data

Man using a laptop with UI representing connected accounts

Account verification

Access a range of data sources to verify your customers are who they say they are, saving you the cost of failed payments.

Account aggregation

Give your customers a single view of all their finances by aggregating bank data across all their accounts.

Affordability checks

Use real-time access to financial history to ensure that both your business and customers are safeguarded before a payment is made.

Rewards and insights

Reward customers’ spending habits by analysing their spending history, increasing loyalty and satisfaction.

Money management

Empower your customers with smart budgeting analysis, by using spending data to create trends and transaction visibility.

Pay by Bank and Data, the perfect partnership

Pay by Bank is fast becoming everybody’s favourite way to pay. Since 2020 there’s been a 400% increase in users. Mobile-first technology connects your customers' bank account straight to yours.

Pay by Bank’s easy, safe and secure experience pairs perfectly with our Data API user-knowledge. You can create unique payment experiences which boost conversion rates while lowering costs and fraud.

Woman using a phone with UI representing different bank accounts

Smarter payments

Build loyalty and thoughtful real-time payment experiences by better understanding your customers spending habits. From smarter saving to enticing personalised incentives.

Safer processes

Data helps you create safer user journeys by identifying safety nets to block out fraudulent users. This helps protect your business, and saves you costs associated with fraud and regulatory challenges.

Seamless experiences

From onboarding to successful payments, we use data to learn, and embed insights into our design process. This means our products are highly optimised, feeling seamless to users, increasing satisfaction and conversion levels.

12 million users and growing

A variety of people in separate elements surrounding a successful payment

40%

Of UK Pay by Bank transactions by us

12M

Shoppers primed to use Pay by Bank

90%

Of returning users convert to Pay by Bank

$100B

Annualised payment volume

Join our Pay by Bank network and connect to Europe’s leading network. That’s 12 million shoppers, with a new user joining every 3 seconds. We process almost half of all UK Pay by Bank transactions, with a 20+% uplift in first-time user conversion for shoppers in our network.

In the UK alone, Pay by Bank transactions have more than tripled over the past three years, reaching 23 million monthly payments in 2024.

With higher volumes of customer data, we ensure your user journeys are brilliantly optimised, turning every shopper into a loyal customer.

We make Pay by Bank easy to integrate for everyone

Whatever your team’s technical capability, we’ve got simple and tailored ways for you to plug in and get going.

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Ready-made UIs for apps

We’ve designed and tested beautifully optimised user experiences for mobile. Customers love our easy, friction free mobile payment experiences. Find SDKs for iOS, Android and React Native.

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Ready-made UIs for browser

If your customers arrive through a browser, we’ve got highly optimised user experiences for either embedded or hosted payment pages too.

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Easy plugins & libraries

Pay by Bank is optimised for WooCommerce, Shopify and Magento. Our library helps you speed up and simplify integration with our tried and tested shortcuts in Java, PHP, C# and Javascript/Node.

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A powerhouse console

Console helps you kickstart product integration in easy steps. It arrives with your merchant account set up for you, so you can move at pace and start taking payments immediately.

Console puts you in the driving seat

Ready to put your foot down? Console is brilliantly organised with all the tools and you need to accelerate your business. Breeze through billing, reconciliation breakdowns and download reports from an intuitively designed dashboard. Provide customers with refund updates and payment statuses, all from the one ultra-efficient hub.

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Start building

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Our team helps keep your business flowing

Whatever technical support you need, our friendly team is here to help. As a venture backed business we’re hyper-focused on your success and can work at speed to help you meet your goals.

We have dedicated integration sales managers who are experts in your industry. They lock on to your business needs and proactively scope the best products and features and run tests to ensure you hit the ground running. They rally to meet your targets and troubleshoot any issues along the way.