Pay by Bank lets your customers pay directly from their bank account without entering card details. Powered by Open Banking, Finexer gives UK platforms a regulated API to build account-to-account payments into checkout and payment flows, with payments settling instantly via Faster Payments.
This walkthrough shows how the payment flow works end to end: how a payment request is created and authorised in the customer’s own banking app with strong customer authentication, how real-time status updates are returned at each stage, and how webhooks let your platform act on payment events automatically without polling for updates.
- Accept payments directly from a customer’s bank account
- Reduce dependence on card payment methods
- Return real-time payment status at every stage
- Automate payment workflows using APIs and webhooks
- Build Open Banking payments natively into your product
Built for SaaS platforms, fintechs, marketplaces, property platforms, and UK businesses adding bank payments to their product.
FCA-Authorised · FRN 925695
Coverage across almost all UK banks · high street, challenger, and business accounts
Usage-based pricing · scales with your volumes
3-5 weeks onboarding support · included with every integration
Build Pay by Bank into your platform
See how account-to-account payment initiation fits your checkout flow, deployed 2-3x faster than in-house.
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