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Payment providers

Open banking

Pay-by-bank and A2A payments.

516 requests

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Shanghai Hongqi Yangren seeks local payments in Bangladesh for a social appRequestMerchant· December 8, 2025Kaitu Games seeks payment partners for global game distributionRequestMerchant· November 21, 2025Lingdu Technology seeks local payments for overseas games, apps and e-commerceRequestMerchant· November 21, 2025Primer for Partners invites PSPs into its integrated merchant networkRequestPayment provider· November 19, 2025Hong Kong Qimo seeks a local payment channel in Brazil for a game operatorRequestMerchant· October 29, 2025Seeking a direct PSP or acquirer for local methods in Korea, Japan, Australia and the EURequestMerchant· October 20, 2025Indian merchant seeks payment methods: send method, rates and limitsRequestMerchant· October 14, 2025SEOClerks seeks payout providers for marketplace sellersRequestMerchant· September 25, 2025itch.io sought alternative card processors after losing StripeRequestMerchant· July 31, 2025TransaveX seeks an API-redirect provider for Telegram Stars checkoutRequestMerchant· July 22, 2025Shanghai Chaoliang seeks payment acceptance in Kazakhstan, including KaspiRequestMerchant· April 22, 2025IXOPAY seeks providers for its Integrations & Adapters trackRequestPayment provider· February 17, 2025

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.