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Pay by Bank keeps money moving

Pay by Bank is the easy, fast and secure way to pay.
It cuts out cards and all the complication—boosting sales while lowering costs and fraud.

Payments made simple

White sneaker
Men's shoes
x1
£80.00
pink hat
Pink hat
x1
£20.00
Shipping
£0.00
Total
£100.00
Pay by Bank
Recommended

Pay securely from your bank app - no card needed. Learn more

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£500.00

Where money flows, business grows

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How does Pay by Bank help your business grow?

Boost sales

Pay by Bank means customers simply pay directly from their bank account via their bank app. It takes the friction out of your checkout, and sees returning customers converting at up to 90%.

Lowers cost

Say hello to up to 50% lower fees than cards. Cut out multiple middle-men taking a slice, plus all the costs associated with fraud and chargebacks. Reinvest the savings and boost your bottom line even further.

Reduces fraud

Fraud associated with cards is set to grow by a further $10bn by 2028. Pay by Bank doesn't use cards. Customers use their own bank’s security, so sensitive data remains private and every payment is safer.

Scales reliably

68% of businesses experience card outages each year and lose income. Our technology and infrastructure are robust and resilient—handling huge volumes without pause, so you can put your foot down.

“

After just a few weeks of having Pay by Bank… we’ve seen a 20% increase of our average order value (AOV)

Nicola Bettari

Nicola Bettari,

Fintech and Payments Director

Read the case study

About 85% of our transactions are from returning customers who continue using the Pay by Bank option.

Andy Witzenfield JamDoughnut CTO

Andrew Witzenfeld,

CTO

Read the case study

The benefit of TrueLayer over card payments… is enhanced security, faster payments and a lower cost, which helps Nutmeg to keep our fees low

Charlie Masters, Payments Product Manager, Nutmeg

Charlie Masters,

Product Manager

Read the case study

Why do 90% of customers return using Pay by Bank?

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Because it’s the easy, fast and secure way to pay

Easy to use

There’s no messing around with long card numbers, multiple steps, annoying codes or downloading apps. Customers are simply redirected to their bank app and enjoy a streamlined experience.

Faster payment

Funds leave customers’ accounts in real time and arrive instantly. You avoid the pain of waiting 1 to 3 days for cards to settle funds. Your cashflow stays healthy and goods are shipped without delay.

Trusted security

Payments are securely authorised with methods customers know and trust. They use their bank’s biometric authentication—face ID and fingerprints

More reliable

No bank cards to lose only to be replaced days later. Card cloning is not an issue. Pay by Bank is also a great option when other payment systems go down.

12 million customers and growing

A variety of people in separate elements surrounding a successful payment
40%
UK Pay by Bank transactions processed by us
12M
Consumers in our Pay by Bank network
90%
Of returning users convert to Pay by Bank
$80B
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.

Clever features keep money moving

Instant settlements

Pay by Bank settles in your account in real time, keeping your cashflow healthy. Funds are ready to be used immediately. Enjoy fewer frustrating pauses and a faster operating business.

Biometric security

Pay by Bank uses biometric security—face ID and fingerprints and adheres to EU and UK strong customer authentication (SCA) regulations. Payments don't get much safer than this.

Merchant account

Receive and manage all your Pay by Bank transactions in your merchant account. Its clever features put you in the driving seat of your finances and give you full visibility of all the data you need.

Open-banking expertise

Pay by Bank is powered by open banking. We have more direct relationships with banks than any other provider, giving us greater freedom over product development and responding to your needs.

Modern payments

Bank cards were designed for a world pre-internet and are a clumsy and costly retrofit. Pay by Bank is beautifully designed to be the most simple and efficient way to pay online for both businesses and customers.

Personalised UX

Pay by Bank is a simple and intuitive experience with minimal steps. After customers have used it once it becomes streamlined and personalised to them. So up to 90% of customers happily use it when they return.

Powerful add-ons keep your business nimble

Turbocharge your business operations and build brand equity with tools and data that help you know your customer, streamline experiences and give you real time visibility of transactions.

Data

Create intelligent, secure and highly-personalised payment experiences.

Learn more
Your wallet balance
£350.00
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Your transactions
See all
Coffee shop
13 Apr 2025
-£9.40
Car wash
12 Apr 2025
-£15.00
Fruit shop
11 Apr 2025
-£5.60
John
10 Apr 2025
£180.00
Energy bill
9 Apr 2025
-£50.20
Transfer
8 Apr 2025
£250.00

Verification

Combat fraud by verifying your customer in seconds rather than days.

Learn more
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Account verification
To get paid, please verify your account with your bank — it only takes a few taps
Verify account

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
“

The integration with TrueLayer was faster than the lastminute.com team expected.

Nicola Bettari

Nicola Bettari,

Fintech and Payments Director

Read the case study

We decided to work with TrueLayer based on the quality of the team and the capability they possess.

null

Sheraz Dar,

CEO

Read the case study

I would highly recommend using TrueLayer to any other companies... It was the easiest payment integration I’ve ever implemented.

Mark Williams,

Lead Developer

Read the case study

Our integration partner was always highly available and responsive, always keen to jump on a call whenever we had an issue.

Andy Witzenfield JamDoughnut CTO

Andrew Witzenfeld,

CTO

Read the case study

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.

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Ready to get started?

Our expert team will help you explore how Pay by Bank can help your business grow. Or if you’re ready to start building, just set up an account and take a look at our products right away.

Talk to us

We're here to help you make the most of open banking payments.

Start building

Create an account now to explore our APIs.

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FAQs

An open banking payment, also known as account to account payment and bank to bank payment, allows a customer to pay for something online straight from their bank account. That could be buying a product from an online store, or topping up their account on a wealth management app, pension app or iGaming platform.

How does money flow? Explore expert articles to learn more.

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