銀行付款
Cardflo 支援銀行付款選項，允許客戶直接從其銀行帳戶完成交易。 此方法提供了一種安全高效的卡片付款替代方案，減少了處理費用和潛在的退單。
它提供了簡化的結帳流程，增強了客戶的便利性和信任。
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概覽
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.
運作方式
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.
為何重要
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.
應用案例
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.
數據概覽
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.
相關術語
Talk to our team about a live rollout on your acquiring stack.
What you get with 銀行付款
- 讓客戶只需幾個點擊即可直接從其銀行帳戶付款。
- 透過規避傳統卡片網路費用來降低交易成本。
- 由於銀行轉帳不可撤銷的性質，最大限度地降低退單風險。
- 為歐洲客戶提供熟悉且安全的付款方式。
- 與某些卡片交易相比，加快付款結算時間。
- 與現有的線上結帳流程無縫整合。
- 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.
Questions about 銀行付款
銀行付款與傳統卡片付款有何不同？
銀行付款直接從客戶的銀行帳戶將付款路由到商家的銀行帳戶，繞過卡片網路。 這降低了處理費用和退單潛力，為雙方提供了更安全、通常更快的交易。
銀行付款交易有哪些安全措施？
安全性由客戶的銀行處理，涉及強大的客戶身份驗證 (SCA)，例如生物識別或 PIN 碼。 這確保了高水平的安全性，因為在付款過程中不會與商家或第三方共享敏感財務數據。
銀行付款可以用於循環付款嗎？
是的，銀行付款可以配置為循環付款，通常透過客戶向其銀行設定的授權。 這允許按計劃扣款，適用於訂閱和分期付款計劃，並具有適當的同意機制。
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.