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Pay by Bank infrastructure for business growth

Offer payments that cut costs, settle instantly, and provide added protection against fraud, enabling you to scale and expand your business.

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The payment experience your business deserves

Reduce costs

Save money with reduced overheads, or offer lower cost payment services with a lower per-transaction cost than cards, Direct Debit, and e-wallets.

Unbeatable security

Protect customers and build confidence with lower fraud rates than cards using encrypted APIs, no card details, and bank-grade authentication.

Instant settlement

Deliver certainty and build trust with customers with transactions that settle in under 10 seconds.

Smooth checkout

Reduce drop-off and increase conversion with an intuitive, low-friction payment journey that encourages customers to return.

No chargebacks

Eliminate wasted resources by reducing the risk of costly, time-consuming chargebacks with secure, bank-grade authorisation on every payment.

Enterprise ready

Scale confidently with a payments infrastructure designed for resilience and high availability.

HOW IT WORKS

A2A payments in just a few clicks

  • 1.Choose Pay by Bank

    User selects Pay by Bank at the checkout stage. Having Pay by Bank as the preferred or default payment option will drive higher volume.

  • 2.Bank selection

    User chooses from a list of over 2000 banks across Europe.

  • 3.Review payment

    A pop-up allows the user to review the payment details before being connected to their bank, ensuring all details are correct.

  • 4.Log into bank app using SCA

    User is auto redirected to their bank app to log in using secure customer authorisation (SCA) such as fingerprint or facial recognition.

  • 5.Confirm payment

    User confirms the payment with their bank, initiating the payment.

  • 6.Payment complete

    The payment is confirmed, and the user is auto-redirected back to your app or website to continue what they were doing or get payment confirmation.

Payments infrastructure built for innovative businesses

Control your UX

Seamlessly integrate Pay by Bank directly into your UX with our white-label API, or choose our highly customisable hosted solution for quick and easy setup.

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Direct-to-bank API

Connect directly to banks, giving you full control and visibility of your payments infrastructure to deliver speed, stability, and performance from a single integration.

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Unrivalled B2B coverage

We've built connections with hundreds of business bank accounts across Europe, offering unique, unrivalled access for B2B use cases across all verticals.

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Explore key industries using Pay by Bank with Yapily

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