Pay-by-Bank

Instant Pay-by-Bank. Lower Payment Costs.

Help merchants, billers and platforms accept direct bank payments through RTP, FedNow and ACH—all through one integration.

Request a Demo

Why Choose Pay-by-Bank

Give your business customers an alternative to cards.

Launch Pay-by-Bank as a new payment option using APIs and embeddable experiences for merchants, billers and platforms. Enable customers to pay directly from their bank account while your bank provides the payment infrastructure, digital experience and payment rails behind it.

Lower payment costs

Help merchants reduce reliance on card processing and offer a direct account-to-account payment option without card interchange.

Instant payments, 24/7/365

Enable Instant Pay-by-Bank through RTP® and FedNow®, giving eligible payments real-time movement and confirmation.

Built into digital banking

Let customers receive a payment request, authorize a payment and send money directly through the digital banking experience they already use.

One Pay-by-Bank experience, multiple rails

Support instant payment rails with ACH fallback, giving merchants and platforms broader payment coverage without managing separate integrations.

Complete Pay-by-Bank Capabilities

Instant Pay-by-Bank

Enable customers to pay merchants directly from their bank account using RTP and FedNow for eligible instant payments.

Pay-by-Bank with ACH

Support ACH as a fallback when an instant payment rail isn't available, giving merchants broader payment coverage.

Request for Payment

Extend Pay-by-Bank beyond checkout. Let billers and businesses request payment from customers and give customers a simple way to authorize that payment through digital banking.

Send and receive

Support the full Pay-by-Bank payment journey, from customers sending payments to merchants and billers receiving payments.

A2A payments

Power Pay-by-Bank with direct account-to-account payments, moving funds between customer and business accounts without relying on card networks.

Pay-by-Bank APIs

Give merchants and platforms the APIs to integrate Pay-by-Bank into checkout, invoicing, marketplaces, applications and other digital experiences

From Integration to Pay-by-Bank

Connect to Payment Galaxy

Integrate Pay-by-Bank through a unified API and connect to the payment rails behind the experience, including RTP, FedNow and ACH.

Enable the Pay-by-Bank Experience

Make Pay-by-Bank available through digital banking, merchant checkout, payment links, embedded experiences and APIs.

Request, Pay & Receive

Support the complete payment journey—from a business requesting payment, to a customer authorizing it, to the merchant or biller receiving payment and confirmation.

Frequent Use Cases

A small shopping cart filled with cardboard boxes sits on a desk in front of a laptop. In the background, a person is using a smartphone with a coffee cup nearby, suggesting online shopping or e-commerce.

E-Commerce Checkout

Replace card payments at checkout with instant bank transfers. Lower costs, faster settlement, higher margins.

Close-up of a woman with black nail polish holding a green smartphone and scanning or photographing a white piece of paper document.

Bill Payments

Enable utilities, telecom companies, insurers and other billers to request and receive payments through digital banking, with instant payment options and ACH fallback.