Pagos de banca abierta
Cardflo integra pagos de banca abierta, lo que permite transferencias directas de banco a banco para sus clientes. Este método evita los esquemas de tarjetas tradicionales, lo que potencialmente reduce los costos de transacción y mejora la seguridad.
Los comerciantes se benefician de la confirmación de pago en tiempo real y la reducción del riesgo de fraude, agilizando el proceso de pago para ambas partes.
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La visión general
Open banking payments, built upon the frameworks established by PSD2 and the subsequent development toward PSD3, facilitate account-to-account (A2A) transfers by utilising Application Programming Interfaces (APIs).
This mechanism allows a Payment Initiation Service Provider (PISP) to communicate directly with the bank of the payer, eliminating the requirement for card network involvement. Because these transactions bypass the traditional rails governed by schemes, they generally do not incur interchange or scheme fees.
The technical process involves a secure authorisation through the banking app of the customer, often employing biometrics for Strong Customer Authentication (SCA).
This method sits alongside traditional merchant accounts and gateways as a push-payment alternative, where the risk of certain fraud types like lost-of-stolen card abuse is significantly minimised.
For merchants, this structure provides a route to move funds directly into a settlement account without the delays typically associated with credit card clearing cycles.
Cómo funciona
Payment Initiation Request
The merchant gateway sends a request to a PISP at the point of checkout. This request contains the transaction amount, currency, and the specific merchant credentials required for the transfer.
The customer is then prompted to select their bank from a list of integrated financial institutions.
Customer Bank Authorisation
The user is securely redirected to their mobile banking application or online banking portal. This environment is controlled entirely by the issuing bank, ensuring that the merchant never handles sensitive login credentials.
The customer logs in using their standard banking security protocols, such as fingerprint or face recognition.
Payment Consent Approval
Once logged in, the customer reviews the payment details including the recipient name and total amount. By providing consent within their bank interface, they authorise the bank to execute a Credit Transfer.
This step satisfies SCA requirements under current regulatory mandates in the UK and European Economic Area.
Real Time Status Notification
The bank confirms the successful initiation of the transfer to the PISP, which then notifies the merchant gateway. While the actual movement of funds depends on the underlying clearing system, such as Faster Payments or SEPA Instant, the merchant receives a digital confirmation almost immediately.
Automated Reconciliation
The final stage involves the matching of the received funds with the original order ID.
Because open banking payments include specific metadata in the transfer reference, the manual effort usually associated with standard bank transfers is reduced, allowing for automated order fulfilment and updated ledger entries.
Por qué importa
Reduction in Processing Overheads
By utilising A2A rails, businesses can avoid the multilayered cost structure of card payments, which includes interchange, scheme fees, and acquirer margins.
For high-ticket items, where percentage-based card fees become significant, the flat-fee or lower-percentage model of open banking provides a measurable reduction in the total cost of acceptance. This benefit is particularly acute for merchants operating on thin margins who require more efficient capital management.
Elimination of Chargeback Risk
Traditional card payments carry a persistent risk of chargebacks, which can be initiated months after a transaction. Open banking transfers are push-payments, meaning they are authorised through the banking security of the payer.
Since there is no equivalent to the card-scheme chargeback mechanism for these transfers, merchants are better protected against friendly fraud and certain types of payment disputes that lead to revenue loss.
Higher Authorisation Rates
Card payments may fail due to expired plastic, stolen cards, or aggressive fraud filters from issuers. Open banking bypasses these hurdles by verifying the availability of funds in real time before the payment is authorised by the customer.
This direct interaction with the bank account often leads to higher successful completion rates compared to card-not-present transactions where details may be entered incorrectly.
Casos de uso
High-Value E-commerce
Retailers selling luxury goods or electronics can avoid the high percentage fees associated with card payments while bypassing traditional transaction limits that often lead to card declines for expensive orders.
Subscription and Bill Pay
Service providers can utilise open banking for recurring payments, reducing churn caused by expired or cancelled credit cards by linking directly to a persistent bank account via Variable Recurring Payments.
Travel and Hospitality
Airlines and travel agencies manage large volumes and high values; direct bank transfers allow these firms to confirm bookings instantly without the risk of retroactive chargebacks frequently seen in the industry.
Wealth Management and Fintech
Investment platforms can allow users to fund their accounts instantly, ensuring capital is available for trading without the multi-day delays often found in traditional manual bank transfers or BACS.
En cifras
This range reflects typical industry observations when comparing A2A fees to the total cost of card acceptance including interchange and scheme fees.
Industry benchmarks for successfully authenticated open banking payments often exceed card-not-present rates due to real-time fund checks and biometric security.
Typical time for a customer to complete an open banking payment via mobile app redirect, compared to manual entry of card details and 3DS prompts.
Términos relacionados
Talk to our team about a live rollout on your acquiring stack.
Lo que obtienes con Pagos de banca abierta
- Facilite pagos directos desde las cuentas bancarias del cliente a su cuenta de comerciante.
- Reduzca las tarifas de procesamiento de pagos eliminando los cargos de la red de tarjetas intermediarias.
- Mejore la seguridad de los pagos con autenticación a nivel bancario para cada transacción.
- Reciba confirmación de pago instantánea para el cumplimiento inmediato del pedido.
- Ofrezca una experiencia de pago fluida sin la entrada manual de datos de la tarjeta.
- Acceda a una base de clientes más amplia con cuentas bancarias pero sin tarjetas de crédito.
- Verify the presence of sufficient funds in real time before the transaction is authorised.
- Provide a secure payment alternative for customers who do not possess credit or debit cards.
- Lower the risk of data breaches by never storing or transmitting sensitive cardholder data.
- Optimise payment flows for mobile users through deep-linking directly into trusted banking applications.
A short scoping call, then a written plan for your MIDs.
Preguntas sobre Pagos de banca abierta
¿Cuáles son los principales beneficios de los pagos de banca abierta para los comerciantes?
Los comerciantes se benefician de costos de transacción más bajos debido a la ausencia de tarifas por esquema de tarjeta.
La seguridad mejorada a través de la autenticación bancaria directa y la confirmación de pago en tiempo real también son ventajas clave, lo que mejora el flujo de caja y reduce la exposición al fraude.
¿Cómo mejora la banca abierta la seguridad de los pagos?
Los pagos de banca abierta aprovechan los protocolos de seguridad del banco del cliente. Las transacciones requieren autenticación directa dentro de la aplicación o portal bancario, eliminando la necesidad de exponer datos sensibles de la tarjeta en línea y reduciendo significativamente los vectores de fraude.
¿La banca abierta está disponible a nivel mundial?
Las iniciativas de banca abierta son más frecuentes en el Reino Unido y la UE, impulsadas por regulaciones como la PSD2. Su adopción está creciendo en otras regiones, pero la cobertura varía.
Cardflo proporciona disponibilidad regional específica y detalles de integración para sus operaciones.
What is the typical settlement timeframe for these transactions?
The settlement speed depends on the underlying clearing rails used in the specific region. In the UK, most open banking payments use the Faster Payments service, which typically settles funds within seconds or minutes.
In Europe, the timeline depends on whether the bank supports SEPA Instant. If SEPA Instant is not available, it may revert to standard SEPA Credit Transfer, which can take one business day.
How does open banking interact with Strong Customer Authentication (SCA)?
Open banking is designed to be natively compliant with SCA. When a payment is initiated, the customer must authenticate the transaction using at least two factors, such as their banking app (possession) and biometrics or a passcode (inherence/knowledge).
This satisfies PSD2 requirements more fluidly than 3-D Secure, as it uses the bank's own security features that the customer is already accustomed to using.
What happens if a customer has insufficient funds?
If a customer attempts an open banking payment and does not have enough money in their account, the bank will typically refuse the transaction during the authorisation stage.
This is a significant advantage over some card transactions that may be authorised but later fail during settlement, or result in costly overdraft fees for the consumer and potential declines for the merchant.
Can open banking be used for recurring payments or only one-off transactions?
Currently, open banking is widely used for single immediate payments. However, the industry is moving towards Variable Recurring Payments (VRP) and 'sweeping' which allow for ongoing authorisations.
While not yet as universal as card-on-file or Direct Debit, VRPs are becoming an alternative for subscription models, offering more control to the consumer and instant settlement to the merchant.
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