TrueLayer | Payments API

Payments API

Instant bank payments

Initiate payments within your app using open banking PIS. No cards, no fraud, no chargebacks.

Building with Payments API


Faster payments, lower fees

Let your customers easily deposit funds from any device, no registration required. Save up to 80% on fees vs cards.
  • App-to-app enabled
  • Biometric authentication supported
  • Instant settlement
  • Easy reconciliation
  • Online Payments

    Seamless online payments that reduce fraud and chargebacks at any checkout.
  • Bill payments

    A simple, secure, low-cost way to accept bill and invoice payments.
  • Account and wallet top up

    Let users initiate payments or move money between accounts effortlessly.
  • Payments API

    How it works

    Enable instant bank payments from within your app
  • Boost conversion

    Remove lengthy forms and the need to enter card details, enable users to pay in two clicks using a fingerprint or face ID.
  • Eliminate Fraud

    Authenticate accounts and payments directly with the bank, slashing fraud and chargebacks and saving you 0.5% - 1% of revenues.
  • Reduce costs

    Say goodbye to card and interchange fees. We use open banking infrastructure to reduce costs by 80%+ vs cards.
  • Bank Grade Security

    Our APIs are open banking and PSD2 compliant across Europe ensuring secure access to the financial system.
  • Completely customisable

    Own your customer journey end-to-end. Easily configure authentication flows to match your brand.
  • Increase speed to market

    Focus on building great products, not maintaining your infrastructure. Our systems are built for scale and operate with 99.9% uptime.
  • iGaming

    Stay compliant while delivering a frictionless player experience.
  • Wealthtech

    Get money to market faster, enhance security, and reduce costs.
  • Marketplaces

    Instantly verify new merchants and help them manage cash flow.
  • Digital Banking

    Automate onboarding and provide users with a unified view of their finances.
  • Personal Finance

    Turn banking data into budgeting and saving insights for your users.
  • Credit & Lending

    Capture more eligible borrowers and eliminate unnecessary paperwork.