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Payment providers

Open banking

Pay-by-bank and A2A payments.

516 requests

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Healthcare client with $13M a year seeks a cheaper processing API and ACHRequestMerchant· June 3, 2026Regulated crypto operator needs local fiat rails in APAC and LATAMRequestMerchant· June 1, 2026Pakistani online academy seeks international card acceptanceRequestMerchant· May 31, 2026Online booking platform in Pakistan seeks a payment gatewayRequestMerchant· May 30, 2026AI-agent payments startup seeks BaaS for wallets and cardsRequestMerchant· May 29, 2026Xsolla seeks payment providers for its video game checkoutRequestPayment provider· May 27, 2026Merchant with US and EU buyers seeks a new card processorRequestMerchant· May 26, 2026Riverpe seeks payment channels in India, Vietnam and the GulfRequestMerchant· May 22, 2026CBPay seeks a cross-border provider for Tajikistan and UzbekistanRequestMerchant· May 22, 2026Vircle seeks school fee collection from China, Japan and Korea into MalaysiaRequestMerchant· May 20, 2026Pakistani website and SaaS builder seeks international payments and subscriptionsRequestMerchant· May 20, 2026Clothing store in Spain seeks card processingRequestMerchant· May 15, 2026Adder seeks US collections and payouts for a match-3 gameRequestMerchant· May 14, 2026NIRVANA recruits local providers in Tajikistan, Kazakhstan and KoreaRequestPayment provider· May 13, 2026Snack shop website needs a gateway with affordable fees on small ticketsRequestMerchant· May 11, 2026Recca seeks client top-ups and API payouts of agent rewardsRequestMerchant· May 11, 2026Armenian company needs a Shopify processor for sales to the US, UAE and EuropeRequestMerchant· May 9, 2026Crypto neobank is choosing a card issuing programme providerRequestMerchant· May 8, 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.