Enterprise
Pay by Bank API

Pay by Bank – Fast, Secure, Low-Cost Open Banking Payments

Boost cash flow, reduce costs, and eliminate fraud with direct account-to-account payments powered by open banking.

Trusted by Leading Brands

Benefits

Why choose Pay by Bank?

Our PSD2-compliant API enables licensed AISP/PISP providers to offer secure, real-time bank transfers right from your website, app, or checkout interface.

One API. Full Market Access

Connect to 3,500+ banks across Europe with a single integration. Offer direct bank payments on your website, app, or checkout—standalone or alongside other payment methods.

Save Up to 80% on Fees

Cut transaction costs compared to card payments. Lower overhead while improving margins.

Faster Settlement

Accelerate cash flow with same-day or faster payment processing for most transactions.

Secure by Design

Payments use Strong Customer Authentication (SCA), full encryption, and direct bank-to-bank routing—no intermediaries, no card data risk.

Efficient & Error-Free

Automated account retrieval, embedded remittance info, and real-time payment status simplify reconciliation and reduce manual errors.

Full Front-End Control

Customize the payment experience to fit your brand. Or choose Nello Pay for a ready-made UX/UI.

How it works

How Pay by Bank works

Order total
NOK
741
Pay to
Nordlys
Payment reference
71427321893
Total amount for 4 payments
NOK
741
Payment
#
1
200
NOK
Payment
#
2
200
NOK
Payment
#
3
200
NOK
Payment
#
4
141
NOK
Choose your bank
Cashmere
Continue
Cancel
Select account
Hide balance
Add new account
Pay
Cancel
Confirmation

Your payment is on its way.

Payment details

Hide balance

Amount

741 NOK

Payment recipient

Nordlys

Payment method

Cashmere, **** 7410

Reference

71427321893
Return to Merchant

Connect

Choose a bank and authenticate securely (SCA) to connect.

Features that fit your business

Business account payments

Powerful solutions for your use cases

"We are excited to partner with Neonomics, as they have one of the most robust unified bank API platforms, with a technical set-up that supports our need to work with partners that can offer highly secure services in both today's and tomorrow's regulatory environment. By working together, we can make open banking an even more pan-European offering that helps to streamline payments and enables access to banking account data."

– Worldline

"Account-to-account payment is the future, with a lot of benefits, for both for us and our end-user. For Axactor, we get the data we need to be efficient, and reduced transaction times at a lower cost. For the debtor, the solution is intuitive, user-friendly and easy to use."

– Axactor

"This is a big win for both consumers and our customers, the organisations that send invoices, who stand to benefit greatly from having such effective means to send and receive payments."

– Digipost

"We believe open banking is evolving the way consumers interact with financial services and with our strong collaboration with Neonomics, we are giving our customers a more cost-efficient means to manage how their customers pay bills and invoices."

– Link Mobility

"Neonomics stood out as the leading platform, offering a simple and effective solution that’s connected to all of the major Finnish banks. Being a pioneer is never easy and Neonomics has proven to be a reliable and responsive service provider."

– Kivra

Don't take our word for it

Hear from our clients

The Neonomics Advantage

< 30

Average payment time in seconds

≤ 80%

Savings compared to card payment

90%

Average conversion rate

100%

PSD2 compliant API

Market Coverage

Neonomics connects you to over 3,500 consumer banks across Europe

See our coverage

Open Banking & Beyond

Everything you need to know about open banking, open finance, and beyond to help your business.

Ready to transform your payments?

Could your business benefit from open banking?
Let’s chat and find the perfect solution for you.