Open banking
Pay-by-bank and A2A payments.
Worldline recruits partners for its Nordic programRequestWorldline· October 13, 2026WorldFirst seeks partners to promote its multi-currency World AccountRequestWorldFirst· October 13, 2026
Wise pays partners for new international transfer customersRequestWise· October 13, 2026Windcave seeks integrators for online, POS and unattended paymentsRequestWindcave· October 13, 2026Whizmo recruits digital wallet agents in KenyaRequestWhizmo Kenya· October 13, 2026Vegaah seeks referral partners for its payment gatewayRequestVegaah· October 13, 2026US Card Solutions invites agents and sub-ISOs in the USRequestUS Card Solutions· October 13, 2026Unity Payments recruits ISOs to onboard merchantsRequestUnity Payments· October 13, 2026UniqPay seeks referral and white-label partners for up to 25%RequestUniqPay· October 13, 2026Tyro invites POS developers and referral partners in AustraliaRequestTyro· October 13, 2026Taxi Payments seeks referrers to get UK taxi drivers accepting cardsRequestTaxi Payments· October 13, 2026
Stripe invites service firms, SaaS and developers to its partner programRequestStripe· October 13, 2026StablecoinX seeks technology partners for stablecoin payments and cross-chain settlementRequestStablecoinX· October 13, 2026Square invites developers and referrers: App Marketplace, integrations and referralsRequestSquare· October 13, 2026SpicePay pays affiliates 25% of net profit on merchants' crypto transactionsRequestSpicePay· October 13, 2026Related 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.