Open banking
Pay-by-bank and A2A payments.
PayGlocal seeks consultants and agencies for domestic and cross-border acceptanceRequestPayGlocal· October 13, 2026PayG recruits resellers and referral partners in IndiaRequestPayG· October 13, 2026PayFacto recruits ISOs and agents to bring in merchantsRequestPayFacto· October 13, 2026Paybuddy seeks B2B resellers and white-label partners in the UKRequestPaybuddy· October 13, 2026payabl. seeks PayFacs, intermediaries and referrers for card acquiringRequestpayabl.· October 13, 2026PAY. seeks agencies and SaaS platforms for embedded paymentsRequestPAY.· October 13, 2026Patriots Payments seeks ISVs and B2B services to refer payment processingRequestPatriots Payments· October 13, 2026PagPlan seeks companies to offer bill and debt payments by card in instalmentsRequestPagPlan· October 13, 2026PagBrasil invites e-commerce agencies to its partner programRequestPagBrasil· October 13, 2026Pady seeks agents, affiliates and banks for cash-in, cash-out and payouts in NigeriaRequestPady· October 13, 2026
Paddle invites platforms to embed Merchant of Record billingRequestPaddle· October 13, 2026Organic Payment Gateways seeks B2B partners for referralsRequestOrganic Payment Gateways· October 13, 2026OptionPay seeks distributors and API resellers in IndiaRequestOptionPay· October 13, 2026OnCore Payment Technologies pays for successful referralsRequestOnCore Payment Technologies· October 13, 2026
NOWPayments pays 25% of profit for crypto payment referralsRequestNOWPayments· October 13, 2026North: 600 USD activation bonus for Sales PartnersRequestNorth· October 13, 2026Related subsections
What open banking payments are
Open banking payments (pay by bank, account-to-account or A2A) let a customer pay directly from their bank account. At checkout the customer picks their bank, authorises the payment in the bank's app, and the money moves over instant rails such as Faster Payments in the UK or SEPA Instant in Europe. A licensed payment initiation service provider (PISP) sits between the merchant and the bank and uses the bank's regulated API.
Why merchants add pay by bank
- Lower cost than card acquiring for many use cases — no interchange or scheme fees.
- Instant settlement and no card-style chargebacks.
- Strong authentication is built in, since the customer logs into their own bank.
- Good fit for high-ticket payments, account top-ups, invoices, and recurring payments where variable recurring payments (VRP) are supported.
Where it works
The most mature markets are the UK and the EU (Germany, the Netherlands, France, Spain, Poland). Similar account-to-account rails exist elsewhere under other names: PIX in Brazil, UPI in India — those are covered under local payment methods.
What to compare between open banking providers
- Bank coverage per country and the share of customers who can actually pay.
- Pricing model: per transaction flat fee vs percent.
- Refunds and payouts: can the provider send money back to the payer's account?
- Settlement: own collection account or funds settle straight to the merchant's account.
- Accepted verticals and onboarding requirements.
- UX: hosted bank selection, QR handoff from desktop to mobile, retries.
Related hubs
Open banking method page, bank transfer, SEPA, direct debit, EMI & payment institutions and payment licensing for companies that want their own PISP permission. {count} providers are listed; check Offers or post a request.