We’re leading the checkout revolution

Pay by Bank is the digital-first payment product revolutionising checkouts. We’re seeing a head-turning 90% of shoppers returning after only using it once. Businesses are reaping the rewards as a result. Here’s why.

Man in purple vest surrounded by checkout ui elements

How does digital-first change everything?

Today’s online shoppers expect easy, fast and secure payments while on-the move. Cards were designed for a world pre-internet, then adapted for ecommerce. This made things costly for businesses and complicated for shoppers in the process.

Enter Pay by Bank, designed for the internet. It simply and securely connects your checkout to your customers' banking app, no cards needed. This means, no middle-men taking a cut, and a frictionless payment experience your customers love and keep using.

Improves conversion

Pay by Bank takes the friction out of your checkout, consequently we’re seeing up to 90% of returning customers converting.

Boosts revenue

We’re seeing average order values boosted by 20% as a result of shoppers trusting Pay by Bank—the easy, fast and secure way to pay.

Mobile-first

Over the next 3 years 60% of payments will be made on mobiles. Pay by Bank uses bank apps specifically designed for mobile use.

10 million shoppers and growing

A variety of people in separate elements surrounding a successful payment
40%
Of UK Pay by Bank transactions
10M
Consumers in our network
90%
Conversion for returning users
$80B
Annualised payment volume

When you join our Pay by Bank network you’ll connect to 10 million shoppers, with a new user joining every 3 seconds. Our network processes 47% of all Pay by Bank transactions, making us the number-one network in Europe.

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

Enjoy a finely-tuned, seamless checkout

UI elements representing cosmetic, retail and travel purchases

Reduce cost of payments

You can save on transaction fees and operational costs by moving away from traditional payment methods.

Capture more sales

Pay by Bank has a higher payment acceptance rate thanks to the biometric security checks built into banking apps.

Increase conversion

A digitally native payment method designed for a generation of mobile phone users. We customise your user experience to suit their needs and boost conversion.

Bye-bye failed orders

Pay by Bank is a reliable choice, no cards to lose or replace. It’s often used to recover sales when other payment methods fail.

Music to shoppers’ fingertips

Two women smiling at a phone with UI elements representing the purchase of festival tickets

Mobile first

No need to get off the sofa to grab your wallet, shop and complete your payment from your mobile.

Easy to use

When you Pay by Bank across travel, food delivery and financial apps, it remembers you and gets simpler every time.

Highly secure

Only you can approve a payment. Simply use your bank’s own face ID and fingerprint authentication.

Instant everything

Pay by Bank delivers instant payments and refunds, which helps you keep track of your money and keep spending.

Smart add-ons that give shoppers confidence

Why choose to work with us?

A woman working at a computer with a new message notification

Direct integration

Simple, transparent, fast and 100% API based. Our range of options include SDK’s and HPP’s and all the one-to-one support you need.

Local expertise

We’re experts across Europe with nuanced understanding of user behaviour by region. Our designs are customised and optimised for the people using them.

Agile and adaptable

We are adaptable, move fast without needing to go up a command chain for approval. We can help you innovate at pace and respond to any challenge.

Get started

Talk to us

Our teams are on hand to advise and answer your questions.

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Want to learn more?

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