No chargebacks
Bank payments are account-to-account. There is no chargeback mechanism, so there is no chargeback fraud and no dispute overhead.
Instant rails
Payments move on instant schemes where banks support them, not on card settlement cycles.
One settlement
Bank payments settle alongside your card volume. One report, one reconciliation, one contract.
Where it works today
Currencies
Currencies: EUR, HUF, NOK, PLN, RON, SEK.
Coverage is pay-in only today. No UK coverage.
How the payer experiences it
Chooses their bank
The payer picks their bank from the list on the payment page.
Approves in their banking app
Redirect or QR code, then bank-grade authentication. No card details typed.
You get paid
Confirmation lands via webhook and the payment appears in your dashboard.
Where it earns its place
High average order values, where card fees hurt most.
Subscriptions and top-ups from customers who pay repeatedly.
Merchants tired of chargeback operations.
Questions we get
Not automatically today. Refunds on bank payments are handled with your account manager. Card refunds are unaffected and fully automatic.
No. Coverage is 19 European countries; the list above is current.
No. Pay-by-bank is a method on the same payment page and the same API you use for cards.