Pago por Banco
Cardflo admite las opciones de Pago por Banco, lo que permite a los clientes completar transacciones directamente desde sus cuentas bancarias. Este método ofrece una alternativa segura y eficiente a los pagos con tarjeta, reduciendo las tarifas de procesamiento y los posibles contracargos.
Proporciona un flujo de pago simplificado, mejorando la comodidad y la confianza del cliente.
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La visión general
Pay by Bank, often referred to as account-to-account (A2A) payments, utilises open banking infrastructure such as PISP (Payment Initiation Service Provider) frameworks to facilitate transfers directly from a consumer’s bank account to a merchant’s account.
This mechanism bypasses traditional card schemes, including the associated interchange and scheme fees, by moving funds through domestic clearing systems like Faster Payments in the UK or SEPA Instant in the Eurozone.
From a technical standpoint, the gateway initiates an authorisation request which the user then confirms through their banking application via biometric or PIN authentication. This process satisfies Strong Customer Authentication (SCA) requirements by design.
Because it lacks the pull-based nature of direct debits or the credit-based structure of card networks, it reduces the complexity of payment failures.
Merchants often prioritise this method to manage operational costs and mitigate the administrative burden of dispute management, as these transfers are generally irrevocable once authorised by the payer through their bank.
Cómo funciona
Payment initiation at checkout
At the point of sale, the customer selects the bank transfer option. The payment gateway generates a request and prompts the customer to select their financial institution from a list.
This step creates a secure link between the merchant’s checkout and the bank's API, ensuring data integrity during the redirection phase.
Customer authentication
The customer is redirected to their mobile banking app or online portal. Using existing credentials, such as biometrics or a security passcode, they authorise the transaction.
This satisfies SCA mandates without the friction of manual card entry, as the bank verifies the identity and confirms the availability of funds.
Real-time fund transfer
Upon authorisation, the bank initiates a push payment via local rails.
Unlike card payments that involve multiple intermediaries for authorisation and settlement, these funds move directly from the payer's account towards the merchant's account or a designated settlement account, often using instant payment networks for rapid delivery.
Instant transaction confirmation
The merchant receives an immediate response via webhook or API callback indicating the status of the transfer.
This confirmation allows for the instant release of digital goods or the commencement of physical shipping workflows, matching the speed of a successful card authorisation while ensuring the funds are final.
Por qué importa
Reduction in processing overhead
By avoiding the card-scheme fee structures and interchange rates, businesses can significantly lower their total cost of acceptance. This is particularly relevant for high-value transactions where percentage-based card fees become substantial.
The simplified value chain reduces the number of entities taking a margin on each transaction, directly improving the merchant's net margin per sale.
Mitigation of dispute risk
Card schemes allow for chargebacks under various reason codes, creating financial liability for merchants months after a sale. Pay by Bank transactions are generally pushed by the payer, meaning there is no equivalent chargeback mechanism.
This reduces the cost of dispute management and prevents the loss of revenue associated with friendly fraud or card-not-present disputes.
Casos de uso
Subscription and recurring billers
Companies managing fixed or variable monthly bills can use bank transfers to avoid the high failure rates associated with expired or cancelled debit cards, improving retention.
High-ticket retail
Luxury retailers and furniture stores benefit from the lack of transaction caps often imposed on individual cards, while lowering the cost of accepting multi-thousand pound payments.
Travel and hospitality
Travel agents and airlines use this method to settle flight and accommodation bookings, ensuring large balances move swiftly through clearing systems without the risk of retroactive scheme disputes.
B2B service providers
Professional service firms can replace traditional invoicing and manual bank transfers with a digital checkout, improving reconciliation while maintaining the low cost of account-to-account payments.
En cifras
Merchants often observe these savings on high-value transactions by bypassing card network interchange fees and ad-valorem scheme charges.
In regions supported by instant payment rails like UK Faster Payments, this is the typical window for fund transfer confirmation.
This range reflects industry benchmarks for customers who successfully redirect to their banking app and complete biometric verification.
Términos relacionados
Talk to our team about a live rollout on your acquiring stack.
Lo que obtienes con Pago por Banco
- Permita a los clientes pagar directamente desde su cuenta bancaria con unos pocos clics.
- Reduzca los costos de transacción al evitar las tarifas de la red de tarjetas tradicionales.
- Minimice los riesgos de contracargos debido a la naturaleza irrevocable de las transferencias bancarias.
- Ofrezca un método de pago familiar y seguro a los clientes europeos.
- Acelere los tiempos de liquidación de pagos en comparación con algunas transacciones con tarjeta.
- Integre sin problemas los procesos de pago en línea existentes.
- Verify the presence of sufficient funds in real-time before confirming an order
- Reduce the risk of card-not-present fraud and stolen credential usage at checkout
- Standardise payment flows across diverse European banking markets using open banking protocols
- Automate bank reconciliation through unique transaction references generated at the point of initiation
A short scoping call, then a written plan for your MIDs.
Preguntas sobre Pago por Banco
¿En qué se diferencia el Pago por Banco de los pagos con tarjeta tradicionales?
El Pago por Banco enruta los pagos directamente desde la cuenta bancaria del cliente a la del comerciante, evitando las redes de tarjetas.
Esto reduce las tarifas de procesamiento y el potencial de contracargos, ofreciendo una transacción más segura y a menudo más rápida para ambas partes.
¿Qué medidas de seguridad existen para las transacciones de Pago por Banco?
La seguridad es gestionada por el banco del cliente, implicando una fuerte autenticación del cliente (SCA) como datos biométricos o PIN.
Esto garantiza un alto nivel de seguridad, ya que los datos financieros sensibles no se comparten con el comerciante o terceros durante el proceso de pago.
¿Se puede utilizar el Pago por Banco para pagos recurrentes?
Sí, el Pago por Banco se puede configurar para pagos recurrentes, a menudo a través de mandatos establecidos por el cliente con su banco. Esto permite deducciones programadas, adecuadas para suscripciones y planes de cuotas, con los mecanismos de consentimiento apropiados.
Is a Merchant Identification Number (MID) required for Pay by Bank?
Technically, a traditional card MID provided by an acquirer is not used for account-to-account payments. Instead, the merchant or their PSP will use an account held within the banking system or a specialised PISP licence to route funds.
While the merchant may still have a profile within a payment gateway to manage these transactions alongside cards, the underlying financial plumbing is separate from the card-acquiring environment, meaning acquirer-specific fees and rules do not apply.
Do customers need to download a separate app to use this method?
No, customers do not need extra software. The flow relies on the banking apps already present on their devices.
When a customer selects their bank during the checkout process, the mobile browser typically uses deep-linking to open their bank's mobile application directly.
If they are on a desktop, they may be presented with a QR code to scan with their phone or a secure login page for their online banking portal.
Does this payment method support recurring billing or subscriptions?
It can. While many implementations are for one-off payments, open banking standards such as Variable Recurring Payments (VRP) in the UK are designed specifically to handle recurring transactions.
These provide a digital alternative to Direct Debits, allowing for more control over payment timing and amounts. For merchants, this means they can manage subscriptions with the same low-cost, high-security benefits of account-to-account transfers, though adoption of VRP varies by region and bank.
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