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Payment providers

Open banking

Pay-by-bank and A2A payments.

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PhysicsRun needs international payment acceptance to monetizeRequestMerchant· August 30, 2026Indian MicroSaaS needs a solo-founder-friendly subscription providerRequestMerchant· August 30, 2026SMUV Payments seeks direct acquirers and PayFacs for nutra and wellnessRequestMerchant· August 29, 2026Live Mexican marketplace seeks a Stripe alternative for cards, SPEI and splitRequestMerchant· August 29, 2026AFIN seeks collection and payout partners in Pakistan and BangladeshRequestMerchant· August 28, 2026Precious metals dealer seeks an acquirer with a direct API and predictable fundingRequestMerchant· August 27, 2026Indian Shopify brand wants US and Gulf payment acceptance with a low FX markupRequestMerchant· August 27, 2026Cyprus B2B SaaS switches acquirers and needs a MID with card token migrationRequestMerchant· August 26, 2026South African merchant seeks a Payfast alternative for online paymentsRequestMerchant· August 25, 2026Pakistan-based SaaS seeks a subscription provider with local bank payoutsRequestMerchant· August 25, 2026US online store wants a hosted cart with payments and KlarnaRequestMerchant· August 25, 2026Bull City Boudoir photo studio seeks a Square replacementRequestMerchant· August 25, 2026PSPs and acquirers for high-risk merchants in Brazil, Europe, UK, Australia, CanadaRequestMerchant· August 25, 2026SellPay24 seeks betting traffic processing in Kazakhstan, Turkey, Armenia, AzerbaijanRequestPayment provider· August 25, 2026Moroccan haberdashery seller with a US LLC seeks an acquirer after rejectionsRequestMerchant· August 21, 2026New iGaming platform needs regulated PSPs, acquirers and banksRequestMerchant· August 21, 2026Argentine digital goods seller seeks a Shopify checkout without a US LLCRequestMerchant· August 21, 2026Nepali developer seeks an affordable payout API instead of ConnectIPSRequestMerchant· August 20, 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.