開放銀行支付
Cardflo 整合了開放銀行支付，為您的客戶提供直接的銀行間轉帳。 這種方法繞過了傳統卡片方案，可能會降低交易成本並增強安全性。
商家受益於實時支付確認並降低詐騙風險，為雙方簡化了支付流程。
- 類別
- 支付方式
- 功能數
- 10
- 適用於
- 所有方案
概覽
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.
運作方式
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.
為何重要
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.
應用案例
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.
數據概覽
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.
相關術語
Talk to our team about a live rollout on your acquiring stack.
What you get with 開放銀行支付
- 促進客戶銀行帳戶與您的商家帳戶之間的直接支付。
- 透過消除中間卡片網路費用來降低支付處理費用。
- 透過每次交易的銀行級身份驗證來提高支付安全性。
- 收到即時支付確認以立即履行訂單。
- 提供無摩擦的結帳體驗，無需手動輸入卡片數據。
- 為擁有銀行帳戶但沒有信用卡的廣泛客戶群提供服務。
- 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.
Questions about 開放銀行支付
開放銀行支付對商家有什麼主要好處？
由於沒有卡片方案費用，商家受益於較低的交易成本。 透過直接銀行身份驗證和實時支付確認提高安全性也是關鍵優勢，可以改善現金流並降低詐騙風險。
開放銀行如何提高支付安全性？
開放銀行支付利用客戶銀行的安全協議。 交易需要在銀行應用程式或入口網站內進行直接身份驗證，無需線上暴露敏感的卡片詳細資訊，並顯著減少詐騙媒介。
開放銀行是否在全球範圍內可用？
開放銀行計劃在英國和歐盟最為普遍，由 PSD2 等法規推動。 其在其他地區的採用正在增長，但覆蓋範圍各不相同。
Cardflo 為您的營運提供特定的區域可用性和整合詳細資訊。
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.