E-commerce Open Banking

Open Banking for Ecommerce

Boost conversion, cut payment costs, and power smarter loyalty — With No PSP License Required

With Pay by Bank and secure access to consumer financial data, you can deliver a seamless payment experience while powering more personalized, high‑performing loyalty programs.

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Benefiting from Open Banking already

Why open banking matters for ecommerce

Increase checkout conversion

Offer a fast, user‑friendly Pay by Bank flow that removes card entry and reduces friction and abandoned carts.

Reduce payment fees by up to 80%

Lower processing costs by bypassing card networks and interchange fees with direct Pay by Bank payments.

Reduce fraud and chargebacks

Use bank‑level authentication, real‑time transaction data, and secure APIs to prevent card‑not‑present fraud and eliminate chargebacks.

Mobile‑first checkout experience

Provide a seamless, thumb‑friendly Pay by Bank journey designed specifically to maximize mobile checkout and conversion.

Near-instant settlement

Receive funds within seconds to improve cash flow, reduce payout delays, and accelerate delivery and customer service.

Data-powered loyalty

Use real-time bank account data to verify customers, prevent loyalty fraud, and personalize rewards based on actual spending behavior.

Powerful products for ecommerce growth

Ready‑to‑use open banking tools to boost conversion, reduce costs, and strengthen loyalty.

Nello Pay

Seamless pay-by-bank solutions for businesses.

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Nello Data

Access normalized financial account data across banks.

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Looking to build your own custom payment and data flows?

Power your platform with direct access to our Pay by Bank API and Account Data API.

Explore Pay by Bank API

Explore Account Data API

Smarter customer experiences powered by real-time bank data

Use consent-based financial insights to strengthen loyalty, reduce fraud, and tailor your ecommerce journey.

Verify users and accounts instantly

Personalize rewards using real spending behavior

Prevent fake accounts and loyalty fraud

Reward true purchases with verified transaction data

Build deeper segmentation and stronger lifetime value models

Is it for me? You bet!

We’re working with multiple industries in your sector

Payment service providers

Ticket and event platforms

Online marketplaces

Digital platforms

E-commerce platforms

Transportation providers

"Neonomics is a great fit for what we’re doing at Spense, as we both focus on providing great customer journeys and user experiences. Our integration lets end-users pay right from their bank without even having to leave their web browser, and in addition we’ve seen significant administrative savings connected to payments made through Neonomics. It’s a fantastic partnership and we’re excited to develop our customer journey further using open banking"

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"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"

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"Our partnership with Neonomics lets us simplify payments for large purchases all while enhancing security. Given the high transaction amounts in car sales, it's crucial to offer a secure payment method that doesn’t sacrifice ease and simplicity. Neonomics' solution helps buyers quickly and safely complete transactions directly from their bank account, saving time and reducing administrative hassle"

"Reach, market insight, and technical viability were paramount in our selection of a partner for expanding our services. Neonomics has consistently demonstrated high quality throughout our relationship, and we are excited to expand our offering outside of Sweden across the Nordics with Neonomics"

"Neonomics offers one of the strongest open banking solutions in the market. With our customers increasingly seeking efficient and user-friendly account-to-account payments and data services, we see a clear opportunity to deliver compelling value across multiple markets"