Instant bank account & onboarding verification

Verification, in 3-clicks not 3 days

Customer verification in the past has meant time-consuming form-filling. Not any more, our powerful Verification add-on does all the checks required in 3-clicks instead of 3 days, keeping payment experiences seamless.

Natwest

Details

£1,750.00

Barclays

Details

£3,250.00

All accounts

£5,000.00

Verification complete

Instant and secure

You’re verified

Let’s get started

Fed up of identity-fraud complicating user-experience?

Whether you’re fighting fraud from identity theft, verifying identities as good-practice or following strict industry regulations, it’s no secret that verification processes can be time consuming, costly and often hinder new-user conversion rates.

Legacy ways of verifying bank accounts, like requesting bank statements and micro-deposits, are no longer fit for purpose. Their security is questionable, they’re prone to errors, and they take forever. This results in complicated payment experiences and poor conversion figures. So, we set about solving customer verification for good.

All you need is as-if-by-magic Verification

Our Verification add-on is an innovative product that uses bank security together with our name-matching logic, so we can verify customer accounts in seconds.

All the Know Your Customer (KYC) and Anti-Money-Laundering checks happen automatically in real-time, in the background, without disturbing the user experience.

So, you benefit from heightened security without any added friction whatsoever. So, beautifully seamless payment experiences mean your customer conversion rates will shoot up.

Two people outdoors, one seated with a phone, the other standing. Overlaid text: "Verification complete," "You're verified," "Authentication."

All the Verification tools you need

Name verification

We crosscheck your user’s name with the account holder to confirm the details are correct. In the UK we add an extra layer of security with Confirmation of Payee (CoP) services.

Account verification

Utilising open banking technology, customers verify their account instantly using the simple and convenient biometric authentication in their bank app.

Suspense accounts

Our unique security feature temporarily holds funds so they’re inaccessible to merchants and customers until age or name verification is complete. If it fails, customers are refunded.

Verification keeps payments and payouts instant

Woman in a teal sweater holds a phone and notebook outdoors. Payment successful notification and identity details are displayed.

Instant, Verified Payments

Pay by Bank plus Verification takes all the friction out of onboarding. Combine customer verification with their first payment to instantly safeguard your business whilst keeping your customers experiences streamlined.

Instant, Verified Payouts

Our Verified Payouts solution takes out all the complexity and cost, getting money where it needs to be safely, and in an instant. It means customers can enjoy their funds without delay and keep spending.

Join Europe’s leading Pay by Bank network

A variety of people in separate elements surrounding a successful payment

40%

UK Pay by Bank transactions processed by us

12M

Shoppers primed to use Pay by Bank

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.

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.