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Payment providers

Open banking

Pay-by-bank and A2A payments.

516 requests

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US fantasy-sports startup seeks processing for paid-entry contestsRequestMerchant· September 25, 2026Seeking an Indian payment providerRequestMerchant· September 25, 2026AVENTADOR recruits trader teams in Uzbekistan, Kazakhstan and KoreaRequestPayment provider· September 24, 2026Egyptian product seeks USD card acceptance and legitimate local payoutsRequestMerchant· September 23, 2026Native UPI Intent wanted at 6% with same-day USDT settlementRequestMerchant· September 23, 2026Ukrainian organisation seeks a gateway for selling a book abroad via ShopifyRequestMerchant· September 22, 2026Team looks for bulk payouts to self-employed contractorsRequestMerchant· September 22, 2026Crypto processing for card top-ups via Binance Pay and Bybit PayRequestMerchant· September 21, 2026Loot box business seeks a processor that explicitly approves its modelRequestMerchant· September 21, 2026Digital products site needs an integrated checkout instead of WhatsApp and PayPalRequestMerchant· September 21, 2026Algerian SaaS seeks lawful international card acceptance and settlementRequestMerchant· September 20, 2026Trading education business seeks scalable processing with reasonable holdsRequestMerchant· September 19, 2026EU marketplace seeks split payments and payouts to contractors in UkraineRequestMerchant· September 18, 2026EU creator tipping platform seeks a wallet PSP with provider custodyRequestMerchant· September 18, 2026Subscription SaaS needs an affordable Stripe alternative in an unsupported countryRequestMerchant· September 18, 2026PSP wanted for Mexican peso and Brazilian real acceptanceRequestMerchant· September 18, 2026By Surjo seeks a Bangladesh payment gateway with no upfront investmentRequestMerchant· September 18, 2026Kyrgyz AI SaaS needs a card gateway with payouts to a local bankRequestMerchant· September 17, 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.