Open banking
Pay-by-bank and A2A payments.
Universal Payment Network onboards payment schemes, wallets, banks and PSPs
Universal Payment Network (UPN), part of the FinTra ecosystem, runs standing onboarding for new members. The UPN network invites payment schemes, e-wallet operators, licensed banks, PSPs and…
Looking for:Payment providersTeams
Freemarket invites banks and fintechs to expand its network corridors
Freemarket runs a standing bank partnership program: banks, licensed financial institutions and fintech companies are invited to join and help expand the corridors of its network. The network is…
Looking for:Payment providersTeams
XOUNOX seeks a PSP for the closed B2B platform ZEUS STREAM PANEL
The company (XOUNOX EOOD / XounoX Ltd) is looking for a PSP for its ZEUS STREAM PANEL project, a closed B2B platform. It needs daily processing, multi-currency collection via API and payment…
Looking for:Payment providers
White-label payment gateway in Brazil seeks an Asaas replacement
A team building a white-label payment gateway for the Brazilian market wants to move away from its current provider, Asaas. It needs infrastructure that can run under its own brand: client…
Looking for:Payment providers
Brazilian SaaS seeks a Stripe replacement over 30-day settlement
A Brazilian SaaS product serves clients in the US and Brazil and is looking for a Stripe alternative. The author says that on the account funds are released after 30 days, which slows down the…
Looking for:Payment providers
Checkout with order bumps, upsells and fast withdrawals wanted for a BRL 50 mini-course
The author is preparing a mini-course in Brazil and choosing a checkout. The main features are an order bump and upsells: the ability to offer the buyer an extra product right on the payment page or…
Looking for:Payment providers
Brazilian course creator leaves Hotmart and seeks a gateway with installments
A Brazilian online course author is developing a course-hosting app as a Hotmart alternative after working on that platform before. The new platform needs a payment gateway with methods Brazilian…
Looking for:Payment providers
MPSA seeks PSPs and local methods in seven countries for a high-risk portfolio
A provider with local methods in seven countries at once is needed. The MPSA PSP request is for a portfolio of high-risk merchants that need stable processing and clear settlement. Geography Asia…
Looking for:Payment providers
Electronics store chooses a local gateway with custom checkout, GCash, Maya and cards
The owner of an independent electronics and hardware shop is choosing a payment gateway. A custom checkout built into the site design is needed instead of a standard hosted provider page. Onboarding…
Looking for:Payment providers
PayPal and Wise user seeks a card checkout for US clients and faster settlement
The author already uses PayPal and Wise but needs a card-entry checkout where clients from the US type their card details directly on the payment page. The second goal is to receive money faster than…
Looking for:Payment providers
Seaport kiosk needs one payment split between the carrier, the port and the platform
A team is preparing a kiosk project for a seaport and needs split payments: the customer pays once and the amount is automatically divided between three recipients. Everything should work without…
Looking for:Payment providers
PISOBridge seeks a Philippine bank, EMI or fintech API for a pilot
The independent developer behind PISO Chain is looking for a partner in the Philippines: a PISOBridge pilot is only possible with an authorised bank, e-money issuer (EMI), operator of a payment…
Looking for:Payment providersTeams
Colombian Instagram seller seeks a gateway for sales to Mexico and Latin America
An entrepreneur from Colombia used to sell goods through Instagram and is now building an own online store. He needs a cross-border gateway: Mexico is the main target market, followed by other Latin…
Looking for:Payment providers
Mentra marketplace seeks an EUR account with IBANs, Stripe settlement and seller payouts
A live marketplace for digital goods needs banking infrastructure: the Mentra IBAN request is about a euro account with dedicated account details. Stripe settlement should land in this account, and…
Looking for:Payment providers
Licensed Turkish wallets, acquirers and banks wanted for Asian merchants
Turkish wallets and other licensed partners, including acquirers, PSPs and banks, are wanted for a portfolio of merchants from Asia. The requester needs both commercial access and technical…
Looking for:Payment providers
Monetix seeks a PSP or acquirer with Laos coverage for a high-risk portfolio
A PSP or acquirer with live coverage is needed, and the Monetix Laos request is about that single country. It needs a partner already connected to local payment methods and willing to review a…
Looking for:Payment providers
Dedicated accounts, ACH/EFT and cards wanted for US and Canada high-risk merchants
High-risk merchants in the US and Canada need large-capacity ACH/EFT processing, credit card acceptance and dedicated merchant accounts. The clients are B2B iGaming businesses, and the company name…
Looking for:Payment providers
WorryQ needs help with bulk payouts to partners in India
Indian service WorryQ needs bulk payouts to its partner workers, but approval at Razorpay, Cashfree and PhonePe has dragged on. The company wants onboarding and implementation support to get WorryQ…
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.