Fena Integration

Open banking payments with Fena

on Paytia SecureFlow

Fena is one of the UK's leading open banking providers, with direct connectivity to over 2,500 banks across the UK and Europe. Through Paytia, your team can offer bank-to-bank payment on a call or by message: the customer gets a secure payment request, approves it in their own banking app, and the money moves directly — with no card processing fees at all.

No card processing fees on bank-to-bank payments
Direct connectivity to 2,500+ UK and European banks
Customer approves in their own banking app
No card data anywhere in the flow
Works alongside card payments on the same Paytia account
Nothing for your agents to read out or key in

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How it works with Fena

Agent raises the payment

On the call, your agent creates the payment request in Paytia — amount, reference, done.

Customer gets a secure link

The request lands with the customer by SMS or email as a branded payment link.

Approved in their banking app

The customer picks their bank and approves the payment in their own banking app — no card numbers, no typing details on a keypad.

Money moves bank to bank

The payment settles account to account through Fena's network, and your agent sees the confirmation in real time.

2,500+

Connected UK & EU banks

£0

Card processing fees

Direct

Bank-to-bank settlement

Real time

Agent sees confirmation

How Paytia works with Fena

Instead of capturing a card, your agent sends a bank-payment request through Fena's open banking network. The customer approves it in their banking app and the money moves account to account. Here's the flow.

1
Agent raises the payment
On the call, your agent creates the payment request in Paytia — amount, reference, done.
2
Customer gets a secure link
The request lands with the customer by SMS or email as a branded payment link.
3
Approved in their banking app
The customer picks their bank and approves the payment in their own banking app — no card numbers, no typing details on a keypad.
4
Money moves bank to bank
The payment settles account to account through Fena's network, and your agent sees the confirmation in real time.

Why teams choose Fena with Paytia

No card fees

Bank-to-bank payments skip card processing fees entirely — on higher-value payments the saving is real money.

Nothing to capture

There's no card in the flow at all, so there's nothing for DTMF masking to hide and nothing to keep out of recordings.

Customer stays in control

The customer approves the exact amount in their own banking app, which does the authentication for you.

Works on a call or after it

Send the request live on the call or by SMS and email for the customer to approve in their own time.

One account, every channel

Fena bank payments sit alongside card capture, payment links and web checkout on the same Paytia account.

Wide bank coverage

Direct connectivity to over 2,500 banks across the UK and Europe through Fena's network.

PCI DSS Level 1 Service ProviderCyber Essentials PlusGDPR & HIPAABank-authenticated payments

Fena + Paytia — common questions

How does Paytia work with Fena?+

Your agent raises a bank-payment request in Paytia and it goes to the customer as a secure link. The customer approves it in their own banking app, and the money moves bank to bank through Fena's open banking network — no card involved.

What does it cost compared with card payments?+

Bank-to-bank payments carry no card processing fees, which is exactly why businesses offer them for higher-value payments. Your Paytia pricing covers the capture and the request flow.

Which banks does it work with?+

Fena connects directly to over 2,500 banks across the UK and Europe, so almost any customer with a UK or European bank account can pay this way.

Is it secure without a card?+

Yes — arguably more so. The customer authenticates in their own banking app and approves the exact amount, so there are no card details to steal, mis-key or record.

Can we offer both cards and bank payments?+

Yes. Fena bank payments sit alongside card capture, payment links and web checkout on the same Paytia account, so your team offers whichever suits the customer.

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