Pay by Bank
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Pay by Bank
Pay by Bank streamlines real-time, direct bank payments across Europe

Pay by Bank revolutionizes transactions by enabling real-time account-to-account payments.

It standardizes domestic real-time payment systems and provides a unified access point, allowing merchants to ensure fast, direct bank payments.

Customers gain the convenience of accessing their bank accounts directly from the checkout page to initiate payments.

Payment type Online

Payment flow Redirect

Integration type API Reference / Payment Page / Payment Link

Countries United Kingdom (GBR), Germany (DEU), Netherlands (NLD), Spain (ESP), and France (FRA)

*In Sweden, Denmark, and Norway, a local bank account is required to receive funds/settlements. Please contact your account manager for more information.

Currencies Euro (EUR), British Pound (GBP)

Min amount Bank dependent

Max amount Bank dependent

Recurring No

Refund Yes

Partial refunds Yes

Multiple partial refunds Yes

Chargeback No

Principle of operation
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  1. Selection at checkout
    Customer selects Pay by Bank at checkout.
  2. Payment initiation
    Customer is redirected to the open banking checkout page and chooses their bank from the provided options.
  3. Authentication and authorization
    Customer authorizes the payment in their banking app.
  4. Payment confirmation
    Customer approves the payment, which may result in one of the Guide
    Efficiently manage card payments and monitor key payment statuses in real-time.     statuses     approved / declined / settle_pending
  5. Merchant notification
    Solidgate sends a message to the merchant confirming the transaction's outcome upon receiving the payment result.
For testing purposes, select OBIE Mock Bank on the checkout page.
Payment page example Payment page example Payment page example

Store payment method
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If the customer selects Pay faster next time= YES , the desired Bank is saved for quicker transactions in the future. This is applicable if the merchant records the same customer_email for initial and follow-up payments.

Store a bank via first payment.

Pay via stored bank for follow-up payment.

Payment processing times
Open banking payments are designed to be processed instantly whenever possible. However, banks might not support instant payments or choose a payment scheme different from the one requested. As a result, not all initiated payments are instant.

Button display requirements
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Each country’s specific payment methods and descriptors ensure a smooth and secure transaction experience.

Location specifics
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Specific payment methods and descriptors for each country ensure a smooth and secure transaction experience.

CountryPayment method (name, choose one of)Optional payment descriptors (choose one of)
UKPay by Bank (recommended as default payment method name)A faster, more secure way to pay.
Fast and secure. No card needed.
Securely check out directly from your bank account.
GermanyEchtzeitüberweisungEine schnellere und sicherere Art zu bezahlen.
Schnell, einfach, sicher. Keine Karte erforderlich.
Bezahlen Sie sicher direkt von Ihrem Bankkonto.
NetherlandsBank BetalingEen snellere en veiligere manier van betalen.
Snel, gemakkelijk, veilig. Geen kaart nodig.
Betaal veilig rechtstreeks vanaf uw bankrekening.
SpainTransferencia OnlineUna forma de pago más rápida y segura.
Rápido, fácil, seguro. No se necesita tarjeta.
Pague de forma segura directamente desde su cuenta bancaria.
FrancePaiement BancaireUn moyen de paiement plus rapide et plus sécurisé.
Rapide, facile, sécurisé. Aucune carte nécessaire.
Payez en toute sécurité directement depuis votre compte bancaire.

Assets for each location
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View and download country-specific visual assets and payment descriptors to enhance the checkout experience for each region.

CountryVisualCheckout assets
UKUK visual
GermanyGermany visual
NetherlandsNetherlands visual
SpainSpain visual
FranceFrance visual

Handle Pay by Bank errors
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Specific errors may occur when a customer pays using Pay by Bank. These errors usually indicate that the payment was not completed due to the customer’s actions or a bank-side decision.

The most common errors for this payment method are:

  • Guide
    The customer abandoned the payment page after redirection or did not complete the payment within 30 minutes after initiating it.     0.02     Order expired
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    The customer's bank declined the transaction. Common reasons include insufficient funds or account limits being exceeded.     3.04     Transaction is declined by issuer
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    The customer's bank declined the payment without providing a specific reason. The customer may need to contact their bank for details.     3.05     Call your bank
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    The customer's bank failed to process the payment due to a technical issue.     5.08     Invalid transaction
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