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Payment providers

Open banking

Pay-by-bank and A2A payments.

516 requests

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JazzCash, Easypaisa and UPI needed for pay-in and payouts in Pakistan and IndiaRequestMerchant· September 7, 2026French adult-illustrated merch store on Shopify seeks a processor with no monthly minimumRequestMerchant· September 7, 2026FX company needs GBP accounts for collections and payouts in the UKRequestMerchant· September 7, 2026Gaming client needs local acquiring in Japan, Uruguay and ParaguayRequestMerchant· September 7, 2026Software developer seeks white-label bank connectivity: accounts, transactions, paymentsRequestMerchant· September 7, 2026Payment gateway for SaaS and digital products from BangladeshRequestMerchant· September 7, 2026Club SaaS seeks member payments through sub-accountsRequestMerchant· September 5, 2026UAE car rental marketplace seeks a Stripe replacement with chargeback protectionRequestMerchant· September 5, 2026Frictionless seeks banks, acquirers and PSPs for cross-border trade in SEARequestPayment provider· September 5, 2026Card acquiring for EdTech clients in the EU and UKRequestMerchant· September 3, 2026Turkish merchant needs a virtual POS for foreign cardsRequestMerchant· September 3, 2026New US adult digital services merchant needs an acquirer without processing historyRequestMerchant· September 2, 2026US adult content business seeks a processor or MoR for subscriptionsRequestMerchant· September 2, 2026UAE D2C brands moving online with Shopify choose a gateway with BNPLRequestMerchant· September 2, 2026Argentine app needs cards from several buyers and seller payouts to CBU, CVU and AliasRequestMerchant· September 2, 2026Chinese company seeks overseas payment acceptance for a web toolRequestMerchant· September 1, 2026FINSSO invites licensed PAs and PGs to partner in IndiaRequestPayment provider· September 1, 2026Direct acquirers for international cards in gaming, betting, FX and adultRequestMerchant· August 31, 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.