Paytia and Fena payment flow
See how Paytia integrates with Fena to deliver secure Open Banking payments from start to finish.
Stop losing money to expensive card processing fees. Pay by Bank delivers 70% cost savings with instant bank-to-bank transfers that customers trust more than sharing card details.
Direct bank transfers powered by Open Banking. Lower costs, faster settlement, stronger security.
Stop paying 2.9% + 30p per transaction. Pay by Bank costs just 0.5% flat rate + a fixed fee per transaction. For businesses processing high volumes, the savings are substantial.
No more waiting 2-3 business days for card settlement. Bank transfers settle instantly with real-time confirmation. Improve cash flow and eliminate payment delays.
Customers prefer direct bank payments over sharing card details. Increase conversion rates with a familiar, trusted banking experience they already know.
Customers authenticate using their own bank's multi-factor security. No sensitive payment data on your systems. PSD2 compliant by default.
Connect with all major UK banks including Barclays, HSBC, Lloyds, NatWest, Santander, and more through secure Open Banking APIs.
Bank-authorised payments cannot be charged back. Eliminate chargeback fraud and the costs that come with it. Direct authentication means direct payment certainty.
Your business user creates the request for payment and sends it to your customer by email or SMS message. Setup takes just minutes with our simple interface.
Your customer clicks the received link and selects their bank. The service opens their mobile banking app or desktop internet bank login page automatically.
The customer logs into their banking app using their existing credentials, verifying their identity. They see the payment request presented by their bank and confirm.
Money transfer is initiated and your business receives the agreed payment instantly. Both parties receive real-time confirmation. No waiting, no uncertainty.
See how Paytia integrates with Fena to deliver secure Open Banking payments from start to finish.
See how customers securely authenticate and complete bank payments using their trusted banking apps on desktop and mobile.
Customers using their desktop computer to identify themselves and verify payment requests inside their mobile banking app.
Customers using their mobile phone to identify themselves and verify payment requests inside their mobile banking app.
Both demonstrations show how customers authenticate using their existing bank security systems. No new passwords or payment details required -- customers use their trusted banking app for secure verification.
Follow the 6-step process that ensures secure, bank-grade authentication using your customer's existing banking credentials.
Your business user creates the request for payment and sends it to your customer by email or SMS message
Your customer clicks the received link button in their email or mobile messages
The bank payment service takes over and opens the mobile banking app or desktop internet bank login page
Your customer logs into their banking app, verifying their identity
Your customer sees the request for payment presented by their bank and confirms they accept the payment request
Money transfer is initiated and your business receives the agreed payment instantly
Pay by Bank connects with all major UK banks via Open Banking APIs, covering over 95% of UK bank account holders.
Barclays
HSBC
Lloyds
NatWest
Santander
Nationwide
Halifax
TSB
Monzo
Starling
Revolut
Virgin Money
Open Banking enables secure, regulated access to bank accounts through APIs. Paytia's Pay by Bank leverages Open Banking infrastructure to provide direct bank-to-bank payment capabilities that are faster, cheaper, and more secure than traditional card payments.
FCA-regulated and PSD2 compliant, Open Banking payments use the customer's existing bank security for authentication -- no new accounts, no stored card data, no risk of chargebacks.
Unlike traditional bank transfers that require customers to manually enter sort codes and account numbers, Pay by Bank automates the entire process. Customers simply select their bank, authenticate, and confirm -- the payment details are pre-filled automatically.
This eliminates manual errors, reduces failed payments, and provides instant confirmation to both the business and customer.
Account-to-account (A2A) payments bypass the card networks entirely, moving money directly between bank accounts. This eliminates interchange fees, scheme fees, and the risk of chargebacks that come with card-based payments.
For businesses processing high volumes, A2A payments can save tens of thousands of pounds annually compared to card processing.
Pay by Bank uses the UK Faster Payments network to provide near-instant settlement. Unlike card payments that take 2-3 business days to settle, bank transfers complete within seconds.
This dramatically improves cash flow for businesses, reduces working capital requirements, and eliminates the uncertainty of pending settlements.
Our Open Banking integration connects directly with all major UK banks to provide secure bank-to-bank transfers. The platform handles all authentication while maintaining PSD2 compliance.
Complete bank transfer solution designed for businesses requiring secure direct payments. Our processor handles transactions efficiently with comprehensive banking services.
Advanced account-to-account payment technology with comprehensive security measures. Our solution supports all major UK banks with full regulatory compliance.
Full-service instant payment platform with integrated banking capabilities. Our services support businesses with complete direct transfer infrastructure.
Our direct banking system seamlessly integrates with existing business infrastructure to provide comprehensive bank transfer solutions. The system supports all major UK banks while maintaining PSD2 security and compliance standards.
Secure bank authentication portal with real-time verification capabilities for trusted transactions.
Comprehensive Open Banking solutions supporting all major UK banks and building societies.
Specialised instant transfer processing with secure bank-to-bank connectivity and real-time confirmation.
Three simple steps from initiation to confirmed payment.
Paytia connects to all major UK banks through FCA-regulated Open Banking APIs. The payment request is generated and sent securely to the customer's bank.
The customer authenticates using their own bank's multi-factor security -- biometrics, PIN, or secure app confirmation. No card details are shared or stored.
Once authenticated, the payment transfers instantly from the customer's bank to yours. Real-time confirmation is provided to both parties with a unique reference.
Learn how to implement pay by bank solutions for your business with our comprehensive guide on Open Banking integration.
Understand the technical infrastructure behind secure bank-to-bank transfers.
See real examples of the 50-70% savings businesses achieve with Pay by Bank.
From sign-up to live payments in days, with minimal technical effort required.
Pay by Bank connects with every major UK bank through FCA-regulated Open Banking APIs. Your customers authenticate using their own trusted banking app.
Barclays
HSBC
Lloyds Banking Group
NatWest
Santander
Nationwide
Halifax
Monzo
Starling
Revolut
Plus 50+ additional UK banks and building societies via Open Banking
Online retailers offer Pay by Bank at checkout as a lower-cost, higher-trust alternative to card payments. Instant settlement improves cash flow.
Law firms, accountants, and consultants collect invoice payments via secure bank transfer links. No card handling, no chargebacks.
Landlords and letting agents collect rent, deposits, and service charges via direct bank transfer with instant confirmation.
Pay by bank transformed our customer experience. The direct bank transfers are instant and customers trust it more than sharing card details. We have reduced processing costs by 65% while increasing conversion rates.
Ian Hames -- Head of Sales, UK Retail Sales Company
50-70%
Lower fees vs cards
Instant
Settlement
Zero
Chargebacks
All
Major UK banks
See Pay by Bank in action. Book a personalised demo and calculate your savings.