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Payment providers

Open banking

Pay-by-bank and A2A payments.

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Upcoming e-pin store in Turkey needs a gateway for cards and EFTRequestMerchant· June 27, 2026Brazil store with a USD storefront needs a gateway for local buyersRequestMerchant· June 24, 2026Consumer lender needs pay-ins and payouts in Argentina, Colombia, Peru and RomaniaRequestMerchant· June 24, 2026Forex and CFD brokers need local payment methods in MENA and Latin AmericaRequestMerchant· June 24, 2026EdTech seeks automatic 80/20 split payments for lessons in Ukraine and the EURequestMerchant· June 23, 2026Turkish AI SaaS company needs a gateway for international payments and subscriptionsRequestMerchant· June 23, 2026UK streamer platform seeks GBP acceptance and mass payoutsRequestMerchant· June 21, 2026Zirhly seeks a payment provider for several AI SaaS products in TurkeyRequestMerchant· June 21, 2026Riverpe seeks local payment partners in AfricaRequestMerchant· June 20, 2026Launch-ready SaaS seeks a monthly payment providerRequestMerchant· June 18, 2026Event-contract project needs KYC, local-currency collection and USDC settlement on PolygonRequestMerchant· June 17, 2026Korean Shopify store seeks card acceptance in USD, GBP and EURRequestMerchant· June 15, 2026US digital goods marketplace looks for a Stripe Connect alternativeRequestMerchant· June 12, 2026UK referral partner seeks direct card providers for its merchant portfolioRequestPayment provider· June 12, 2026Australian AI roleplay SaaS seeks Visa and Mastercard acceptanceRequestMerchant· June 10, 2026New software product needs WeChat Pay, Alipay and subscriptionsRequestMerchant· June 7, 2026CBPay seeks a provider for SBP, NSPK and C2C payments in RussiaRequestMerchant· June 6, 2026YeePay seeks financial partners with local methods for Chinese merchantsRequestPayment provider· June 4, 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.