Open banking
Pay-by-bank and A2A payments.
Merchant of Record with a built-in 45% affiliate programme wanted
The author of a digital product is getting ready to launch and is choosing a MoR whose affiliate programme is built into the platform itself. Affiliates should receive 45% of every sale, with…
Looking for:Payment providers
Inner Circle seeks payment partners for South Africa and Egypt
Inner Circle connects content creators with their audiences and needs payment partners in South Africa and Egypt to expand. The company announced this in August 2026. The website footer names…
Looking for:Payment providers
PSP with European local acquiring and APMs wanted for UAE e-commerce merchants
An intermediary represents a group of online stores and is looking for a provider for UAE e-commerce merchants that offers local acquiring in Europe. The goal is to accept payments from European…
Looking for:Payment providers
Shopify merchant serving the cannabis industry needs a processor without long reserves
A consultant is looking for a cannabis industry processor for a Shopify client. The client sells ancillary products and services to the sector but does not touch the plant itself. The main…
Looking for:Payment providers
US B2B company needs a dedicated merchant account with L3 and Authorize.net
A US B2B company wants to move off Stripe and is looking for a dedicated merchant account. The setup must work with Zoho Billing through Authorize.net and support recurring payments and Level 3 card…
Looking for:Payment providers
First-time SaaS needs a subscription processor for launch
A founder is preparing to launch a first SaaS product and choosing who will handle recurring payments. The shortlist includes Square, Kurv and Helcim, compared against the familiar Stripe and PayPal…
Looking for:Payment providers
Flutter subscription app picks a Merchant of Record within app store rules
A developer building a paid-subscription app in Flutter is looking for a Merchant of Record for subscriptions. Polar is named as an example, but other options are welcome. The key condition is that…
Looking for:Payment providers
Niche dating site with a US LLC looks for a reliable processor
The owner of a niche dating site is looking for niche dating payment processing. The business is a US LLC, and the author wants a reliable processor that will accept the model as it is. What the…
Looking for:Payment providers
Indian payment providers wanted
A short request: the author is looking for Indian payment providers and asks those working in this market to respond. The company is not named. The request was posted in August 2026. What is known…
Looking for:Payment providers
Agency CRM SaaS looks for billing after a Paddle rejection
The team behind a B2B CRM for agencies is looking for alternative billing after Paddle declined to onboard it. The founder stresses that the product is a CRM, not an AI generation service, and wants…
Looking for:Payment providers
Payout service wanted in India: API and mass transfers
The author directly asks who can provide a payout service in India. The short question in a comment is complemented by a more detailed post from the same author about high-volume mass transfers. The…
Looking for:Payment providers
App developer chooses a merchant of record where Stripe is unavailable
An app developer is looking for an app merchant of record: Stripe does not work in his country, so he is comparing Polar, Dodo, Lemon Squeezy and Whop. Integration is already in progress and a…
Looking for:Payment providers
French service provider chooses how to collect monthly USD from US clients
A French sole proprietor provides services to clients in the United States and is choosing how to collect their monthly payments in dollars. The options under comparison are Wise Business, ACH debits…
Looking for:Payment providers
Game-code store in Turkey seeks a gateway after provider rejections
A game-code store in Turkey is looking for an online gateway to accept card payments. According to the owner, several providers have already declined, and no suitable option came up in the…
Looking for:Payment providers
Skill-game operator seeks a PSP for Europe, the Caucasus, North Africa and Asia
A real-money skill-game operator is looking for a PSP that covers several regions at once. It is a single request with many markets, from Western Europe to Southeast Asia. It was published in July…
Looking for:Payment providers
Brazilian MEI freelancer needs a low-cost gateway with business-branded receipts
A design and marketing specialist works as an MEI in that country, a micro-entrepreneur under a simplified tax regime. They are looking for a low-cost payment gateway or intermediary tied to the…
Looking for:Payment providers
Virtual accounts and local acquiring needed in South Korea and Asia
The request is aimed only at licensed providers: EFT operators, payment gateways (PGs) and PSPs. The main market is South Korea, but the post, published in July 2026, also lists other Asian…
Looking for:Payment providers
New Indian D2C brand on Shopify wants a gateway with clear fees
A new Indian direct-to-consumer brand needs a payment gateway for a D2C brand on Shopify. The store will sell physical goods to buyers in India and abroad, so the gateway must accept both local and…
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.