Pay by bank (open banking payment)
A checkout payment sent directly from the customer's bank account instead of through a card network.
See it
What it is
When a customer chooses pay by bank, checkout hands them to their bank to approve an account-to-account payment. A redirect, app handoff, or QR flow replaces the card form and sends money over the supported bank-payment network.
Use it when local bank coverage is strong and customers are comfortable authenticating with their bank. It can add a card-free checkout option and give the merchant a payment reference that is easier to reconcile than a manual transfer.
Gotcha: the customer returning to your site does not by itself prove the payment succeeded. Confirmation speed, finality, refunds, and bank coverage vary by rail and provider. Fulfill only from a verified payment status and design a clear recovery path for abandoned bank handoffs.
Ask AI for it
Add pay by bank with the TrueLayer Payments API hosted payment flow. Create a server-side payment with amount, currency, order id, and return URL, redirect or deep-link the customer to bank authentication, and verify TrueLayer webhook signatures idempotently before marking the order paid. Never fulfill from the browser return alone. Show pending, failed, expired, and completed states, let the customer retry after an abandoned handoff, store the TrueLayer payment reference for reconciliation, and use its refunds endpoint for supported refunds.