TrueLayer | PayDirect: instant payments and withdrawals


The ultimate payments experience

Combine one-click verification with instant payments and withdrawals. All from the comfort of your app.

Building with PayDirect

Instant Bank Payments

Grow revenue with higher conversion

Enable customers to register and pay in a few clicks. Benefit from 20% higher conversion rates than cards and no spending caps. Perfect for high-value transactions.
  • 96.6% payment success rates
  • Completely customisable
  • Instant, biometric SCA using bank app


Safeguard against fraud

Bank authentication means that once a payment is approved, it's fully guaranteed. Accelerate AML checks by paying out via the same method used for deposits.
  • Eliminate chargebacks 
  • Accelerate AML checks

Automated Payment Workflow

Reduce operational costs

Save time by automating manual processes such as issuing refunds or reconciling payments. No more mistyped references as payment details are automatically populated.
  • Simple reconciliation
  • Save 0.5% - 1% of revenues

Use Cases

  • Account verification

    Instantly verify account ownership based on what’s on file at the bank. 
  • Account top-up

    Let users initiate payments or move money between accounts effortlessly.
  • Instant payouts

    Enable users to initiate payouts, avoiding manual data entry like inserting bank account number or IBAN.
  • Online payments

    Let users pay easily and securely. No chargebacks, no spending limits. Perfect for high-value transactions.
  • What is PayDirect?

    Built on top of open banking and the fastest payment rails, PayDirect provides your customers with an effortless way to sign up to your service, initiate payments, and withdraw funds.

    Your platform for growth

  • 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.
  • Combat 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.
  • PayDirect

    How it works

    Enable instant payments and withdrawals from within your app

    Explore TrueLayer for your industry

  • iGaming

    Stay compliant while delivering a frictionless player experience.
  • Wealthtech

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

    Build a seamless checkout experience, stamp out fraud, and eliminate chargebacks.
  • 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.
  • Crypto

    Elevate the entire trading experience with instant deposits and withdrawals.
  • Ready to get started?

    Talk to an expert