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Payment providers

Open banking

Pay-by-bank and A2A payments.

516 requests

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Partners wanted for local-currency payouts in a cross-border expansionRequestMerchant· October 13, 2026Axiron seeks direct local pay-in and pay-out rails in Latin AmericaRequestMerchant· October 13, 2026Finnova / Finogic seeks an IMPS, NEFT and RTGS payout API from banks and regulated PSPsRequestMerchant· October 13, 2026Earn India seeks a payout API for UPI and bank accounts with high limitsRequestMerchant· October 13, 2026DBNPE seeks a scalable UPI payout API in IndiaRequestMerchant· October 13, 2026Indian e-commerce company seeks a new vendor payout provider after failuresRequestMerchant· October 13, 2026TODA PAY seeks APM partners in Europe, APAC and the GulfRequestMerchant· October 13, 2026Offshore FX broker needs a permitted acquiring structure in the UAERequestMerchant· October 13, 2026Two Cyprus service companies need accounts, SEPA/SWIFT, cards and payrollRequestMerchant· October 13, 2026FX/CFD broker needs local PSPs across several regionsRequestMerchant· October 13, 2026Canadian MSB needs individual euro collection IBANs with SEPA InstantRequestMerchant· October 13, 2026Legitimate UPI Intent partner needed for collections and payouts in IndiaRequestMerchant· October 13, 2026Hyperscale seeks partners for transfers from Venezuela with settlement in KenyaRequestMerchant· October 13, 2026Bank or fintech needed for B2B inflows from sweepstakes operators and corporate cardsRequestMerchant· October 13, 2026Settlixx invites local payment providers from Latin America, Africa and AsiaRequestPayment provider· October 13, 2026Settlixx seeks direct card providers in the EU and UKRequestMerchant· October 13, 2026WTP seeks card issuing and payout partners for a Telegram productRequestMerchant· October 13, 2026WTP seeks in-app QR payments for Thailand, Vietnam and IndonesiaRequestMerchant· October 13, 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.