Open banking
Pay-by-bank and A2A payments.
New payment project needs a fiat-to-crypto payout API to external wallets
A new payment project is looking for fiat-to-crypto payouts: funds come in as fiat and the recipient gets crypto in their own external wallet. The solution has to be delivered as an API. The request…
Looking for:Payment providers
SaaS builder seeks a single pay-in and payout solution he calls MoR
A SaaS founder is looking for one partner to handle both incoming payments and payouts. He calls this a Merchant of Record, although the description is closer to a combined pay-in and pay-out setup…
Looking for:Payment providers
French skills marketplace needs a payment partner
A French marketplace where professionals sell their skills is looking for a payment partner to handle sellers and buyers. The platform does not want client money on its own operating account…
Looking for:Payment providers
CBPay seeks cross-border C2C from Kazakhstan with fast payouts
CBPay is looking for a provider of person-to-person transfers sent from Kazakhstan abroad. The request is short, but its service quality requirements are clear. Requirements automatic completion of…
Looking for:Payment providers
One gateway for Easypaisa, JazzCash, Raast and cards in Pakistan
A product team in Pakistan wants to connect all popular local methods through a single provider instead of building separate integrations. Methods needed bank transfer; Easypaisa, a mobile wallet and…
Looking for:Payment providers
WeChat Pay and UnionPay for a UK business selling to Chinese buyers
A UK company in education and e-commerce wants a provider to accept WeChat Pay, UnionPay from buyers in mainland China. Alipay would be a bonus but is not mandatory. Settlement The author prefers…
Looking for:Payment providers
Sento gaming goods marketplace seeks a PSP for cards, PayPal and APMs
Ahead of launching a gaming goods platform, the team is looking for payment partners: the Sento marketplace request covers a PSP, acquiring or orchestration for cards, PayPal and alternative methods…
Looking for:Payment providers
Costa Rica Shopify store seeks direct card processing for US buyers
An online store from Costa Rica targets buyers in the United States and currently takes payment only through PayPal. The owner wants direct card acceptance and onboarding as an individual merchant…
Looking for:Payment providers
Dubai e-trader licence holder looks for a gateway with no monthly fee
A newly registered online venture in Dubai needs a gateway with no monthly fee. The owner says the business holds an e-trader licence from Dubai's Department of Economy (DED) and wants Tabby or…
Looking for:Payment providers
Property manager seeks ACH and cards for an in-house tenant portal
A property manager wants to replace Yardi Breeze and RentCafe with an in-house tenant portal and is looking for rent payment collection over ACH and cards. The current shortlist pairs Dwolla for ACH…
Looking for:Payment providers
US GenAI SaaS needs a high-risk acquirer after its processor shut it down
A US generative AI SaaS is looking for a long-term high-risk acquirer. Its previous processor shut it down, and it now needs a partner priced below 10% with no rolling reserve. Requirements acquiring…
Looking for:Payment providers
MOSPAY seeks processing and trader teams for LATAM tests
MOSPAY, also known as MOSLAT, is looking for processing and trader teams for test launches in Latin America. In return the brand says it brings its own merchants and ready traffic. Countries Mexico…
Looking for:Payment providersTeams
Scalable payment gateway needed in India, with access to major PSPs
The author is choosing a payment gateway for a platform in India and wants to talk directly to the onboarding and partnership teams of leading providers. The post was published in July 2026. Who is…
Looking for:Payment providers
Portuguese retailer seeks a gateway with European local payment methods
An operating retailer in Portugal is looking for a gateway that supports European local payment methods. It wants an alternative or additional provider: the store already has processing, but it wants…
Looking for:Payment providers
Shopify store needs a second international gateway alongside PayPal
A Shopify store that is just launching is looking for an additional international gateway next to PayPal. The owner wants a convenient checkout for US buyers, including those who do not have a PayPal…
Looking for:Payment providers
AllTechs: file-transfer SaaS seeks cards and PayPal with transparent reserves
AllTechs is a file-transfer service sold on a SaaS model and has been running since 2013. The company is now choosing a provider for bank card and PayPal acceptance. What matters to the merchant card…
Looking for:Payment providers
Regulated on/off-ramp partner needed for multiple currencies
The requester is looking for a regulated on/off-ramp partner: a provider that lets users buy crypto with fiat and cash crypto back out to fiat. The core conditions are a licence, a wide choice of…
Looking for:Payment providers
LogRaker seeks a backup Merchant of Record for its macOS app
LogRaker is a macOS app sold as a one-time licence purchase. The project already has a primary Merchant of Record, Polar, and the author is now looking for a second provider as a backup, so sales…
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.