Open banking
Pay-by-bank and A2A payments.
PhysicsRun needs international payment acceptance to monetize
The author behind PhysicsRun says one thing is blocking monetization: there is no way to accept international payments. PhysicsRun payment acceptance is not set up yet, and the team is looking for a…
Looking for:Payment providers
Indian MicroSaaS needs a solo-founder-friendly subscription provider
A solo founder in India is building a small SaaS and looking for a MicroSaaS subscription provider. The founder wants a service suited to one-person businesses: billing foreign customers in dollars…
Looking for:Payment providers
SMUV Payments seeks direct acquirers and PayFacs for nutra and wellness
SMUV Payments wants nutra acquiring from direct acquiring banks, PSPs or PayFacs that have spare capacity for a new portfolio. The merchants sell supplements, wellness products and general e-commerce…
Looking for:Payment providers
Live Mexican marketplace seeks a Stripe alternative for cards, SPEI and split
A Mexican marketplace that is ready to operate is looking for a Stripe alternative in Mexico. It needs card and SPEI acceptance with an automatic split: one part of each payment goes to the platform…
Looking for:Payment providers
AFIN seeks collection and payout partners in Pakistan and Bangladesh
AFIN is looking for local collection and payout partners in Pakistan and Bangladesh. The reason is growing daily flows that require extra processing capacity. What is needed local payment collection…
Looking for:Payment providers
Precious metals dealer seeks an acquirer with a direct API and predictable funding
A small precious metals dealer needs a precious metals merchant account after being declined by Helcim. The dealer wants an acquirer that understands the industry and will not close the account over…
Looking for:Payment providers
Indian Shopify brand wants US and Gulf payment acceptance with a low FX markup
An Indian Shopify brand is expanding and needs US and GCC payment acceptance with smaller conversion losses. It wants a provider that approves international cards better than the current one and…
Looking for:Payment providers
Cyprus B2B SaaS switches acquirers and needs a MID with card token migration
A B2B SaaS from Cyprus is changing acquirers and wants a dedicated MID or Merchant of Record that supports card token migration. Customers should not have to re-enter card details, and subscriptions…
Looking for:Payment providers
South African merchant seeks a Payfast alternative for online payments
The author, based in South Africa, is looking for a Payfast alternative for online payments. He says the current provider's support is slow to respond and payment pages return 404 errors. What is…
Looking for:Payment providers
Pakistan-based SaaS seeks a subscription provider with local bank payouts
A founder in Pakistan is preparing to launch a global SaaS product or app and is choosing how to handle recurring payments from Pakistan: charging customers worldwide and receiving payouts to a…
Looking for:Payment providers
US online store wants a hosted cart with payments and Klarna
A US store selling physical products needs a hosted cart with Klarna that can go live without developers. The author is after an all-in-one setup: cart, payment processing and instalments in a single…
Looking for:Payment providers
Bull City Boudoir photo studio seeks a Square replacement
Bull City Boudoir, a photography studio in Durham, North Carolina, is looking for a Square replacement for a photography studio. One provider should cover several flows: in-person mobile sales…
Looking for:Payment providers
PSPs and acquirers for high-risk merchants in Brazil, Europe, UK, Australia, Canada
The requester needs a high-risk merchant PSP across several regions at once. The scope covers card processing and alternative payment methods, preferably under a Merchant of Record model, with fast…
Looking for:Payment providers
SellPay24 seeks betting traffic processing in Kazakhstan, Turkey, Armenia, Azerbaijan
SellPay24 is looking for partners for betting traffic processing and gaming payments in Kazakhstan, Turkey, Armenia and Azerbaijan. The call was published in August 2026 and targets both payment…
Looking for:Payment providersTeams
Moroccan haberdashery seller with a US LLC seeks an acquirer after rejections
A seller of sewing supplies and haberdashery needs an acquirer for a US LLC: the company is registered in the United States while the business is run from Morocco. After several rejections the owner…
Looking for:Payment providers
New iGaming platform needs regulated PSPs, acquirers and banks
A new online casino platform is planning its iGaming PSP integration and is looking for iGaming payment partners: regulated PSPs, acquirers and banks to handle player deposits and withdrawals. What…
Looking for:Payment providers
Argentine digital goods seller seeks a Shopify checkout without a US LLC
A seller in Argentina is preparing to launch a digital goods store on Shopify and needs a Shopify checkout that US buyers can pay through. The provider must not require a US LLC. The request was…
Looking for:Payment providers
Nepali developer seeks an affordable payout API instead of ConnectIPS
A solo developer building a fintech product in Nepal is looking for a way to send payouts programmatically. The request was published in August 2026; the project is early, pre-revenue and on a…
Looking for:Payment providers
Related 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.