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Payment providers

Open banking

Pay-by-bank and A2A payments.

516 requests

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INRSettle seeks PSPs, AD banks and FX / stablecoin rails for corporate INR flowsRequestMerchant· October 13, 2026Softbook seeks a PA / PG for a UPI Intent integration in GurgaonRequestMerchant· October 13, 2026Paykassma seeks extra INR capacity, bulk payouts and direct bank APIsRequestMerchant· October 13, 2026Native UPI Intent checkout with a high success rate needed in IndiaRequestMerchant· October 13, 2026Local payment infrastructure for five markets in Asia and the AmericasRequestMerchant· October 13, 2026Stable PSP partners wanted for India, USA, Bangladesh, Thailand and ArgentinaRequestMerchant· October 13, 2026High-volume UPI pay-in and payout needed in IndiaRequestMerchant· October 13, 2026Gateways and processing wanted for India, Canada and EuropeRequestMerchant· October 13, 2026Native UPI Intent with auto-matching wanted for INR 30M a dayRequestMerchant· October 13, 2026SwipeLocal seeks PSP, acquiring and IBAN accounts in the UAERequestPayment provider· October 13, 2026PAYSTO invites banks, gateways and SBP partners to integrateRequestPayment provider· October 13, 2026Synque seeks acquirers and PSPs for Hong Kong and Chinese walletsRequestMerchant· October 13, 2026InsurOps seeks payment gateways for insurance premiums and payoutsRequestPayment provider· October 13, 2026UnumPay invites gateway operators to integrate for Shopify merchantsRequestPayment provider· October 13, 2026Airline booking agency seeks to replace an acquirer with a 20% reserveRequestMerchant· October 13, 2026US AI short-video SaaS seeks subscription card processingRequestMerchant· October 13, 2026iPrime seeks Nigerian banking integrations: NUBAN, NIP and cardsRequestMerchant· October 13, 2026SHOKRAN seeks vIBAN, SEPA / FPS and a card programme for the EU and UKRequestMerchant· October 13, 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.