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Payment providers

Open banking

Pay-by-bank and A2A payments.

516 requests

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SaaS seeks a provider for prepaid balances and virtual cardsRequestMerchant· October 2, 2026SaaS seeks a USD balance funded via UPI, plus virtual cardsRequestMerchant· October 2, 2026Commercial cleaning business seeks low-cost ACH debit on due dateRequestMerchant· October 1, 2026Forex merchant needs worldwide card acquiring with Apple Pay and Google PayRequestMerchant· September 30, 2026Merchant seeks a PSP for Russia, any methodsRequestMerchant· September 30, 2026Toss Payments recruits payment integration partners in KoreaRequestPayment provider· September 30, 2026UAE company preparing cross-border sales looks for a Stripe alternativeRequestMerchant· September 29, 2026MERCHANT SERVICES seeks KBZPay and Wave Money in MyanmarRequestMerchant· September 29, 2026USD/USDT liquidity partner wanted for MZN exchange operationsRequestMerchant· September 29, 2026RubinPay seeks mass payouts in India via UPI and IMPSRequestMerchant· September 29, 2026MelBet recruits solo traders and processing teams in eight countriesRequestPayment provider· September 29, 2026Quinty seeks THB pay-in, payout and inbound payments for ThailandRequestMerchant· September 28, 2026Canadian MSB seeks a banking partner for merchant IBANs, cards and acquiringRequestMerchant· September 27, 2026Indian digital gaming marketplace seeks a processorRequestMerchant· September 27, 2026Indian SaaS seeks international card and subscription acceptance for low pricesRequestMerchant· September 27, 2026Indian SaaS for local businesses seeks collection and split settlementsRequestMerchant· September 27, 2026Algerian WooCommerce store needs a Stripe alternativeRequestMerchant· September 26, 2026Solo mobile app developer seeks an individual-friendly subscription providerRequestMerchant· September 25, 2026

Related subsections

P2P processing48Card acquiring & gateways14H2H processing11Payouts & mass payouts11Aggregators & cascading10Local payment methods (APM)8Open banking — IndiaOpen banking — BangladeshOpen banking — BrazilOpen banking — RussiaOpen banking — MexicoOpen banking — Argentina

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.