Pay by Bank
Cardflo supporta le opzioni Pay by Bank, consentendo ai clienti di completare le transazioni direttamente dai loro conti bancari. Questo metodo offre un'alternativa sicura ed efficiente ai pagamenti con carta, riducendo le commissioni di elaborazione e i potenziali chargeback.
Fornisce un flusso di checkout semplificato, migliorando la comodità e la fiducia del cliente.
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La panoramica
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.
Come funziona
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.
Perché è importante
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.
Casi d'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.
In cifre
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.
Termini correlati
Talk to our team about a live rollout on your acquiring stack.
Cosa ottieni con Pay by Bank
- Consenti ai clienti di pagare direttamente dal proprio conto bancario con pochi clic.
- Riduci i costi di transazione aggirando le tradizionali commissioni di rete delle carte.
- Riduci al minimo i rischi di chargeback grazie alla natura irrevocabile dei bonifici bancari.
- Offri un metodo di pagamento familiare e sicuro ai clienti europei.
- Accelera i tempi di regolamento dei pagamenti rispetto ad alcune transazioni con carta.
- Si integra perfettamente con i processi di checkout online esistenti.
- 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.
Domande su Pay by Bank
In che modo Pay by Bank differisce dai tradizionali pagamenti con carta?
Pay by Bank instrada i pagamenti direttamente dal conto bancario del cliente a quello del commerciante, aggirando i circuiti delle carte. Ciò riduce le commissioni di elaborazione e il potenziale di chargeback, offrendo una transazione più sicura e spesso più veloce per entrambe le parti.
Quali misure di sicurezza sono in atto per le transazioni Pay by Bank?
La sicurezza è gestita dalla banca del cliente, che prevede un'autenticazione forte del cliente (SCA) come biometria o PIN. Ciò garantisce un elevato livello di sicurezza, poiché i dati finanziari sensibili non vengono condivisi con il commerciante o terze parti durante il processo di pagamento.
È possibile utilizzare Pay by Bank per pagamenti ricorrenti?
Sì, Pay by Bank può essere configurato per pagamenti ricorrenti, spesso tramite mandati impostati dal cliente con la propria banca. Ciò consente detrazioni programmate, adatte per abbonamenti e piani di rateizzazione, con meccanismi di consenso appropriati.
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.
Funzionalità correlate.
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