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


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 Pay by Bank works
Features that fit your business
Pay by Link

Consumer account payments

Business account payments
Powerful solutions for your use cases

The Neonomics Advantage
< 30
Average payment time in seconds
≤ 80%
Savings compared to card payment
90%
Average conversion rate
100%
PSD2 compliant API

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







