Direct Bank-to-Bank Payment Processing
Secure bank-to-bank payment solutions with reduced transaction costs and enhanced security for direct banking transfers.
Secure, fast, and cost-effective direct payment solutions that bypass traditional card networks for improved efficiency.
Enable secure, cost-effective account-to-account payments with lower fees and faster settlement times.
Direct Bank Transfers
Optimized Payment Infrastructure
Key Features
Why Choose Bank-to-Bank Payments?
See Bank-to-Bank Payments in Action
Technical Implementation with Fena.io
Industry Applications
Ready to optimize your payment infrastructure?
How It Works
Lower Transaction Costs
Enhanced Security
Faster Settlements
Improved Cash Flow
Cost Savings
Operational Benefits
Desktop Payment Flow
Mobile Payment Flow
2,500+ Banks
99.9% Uptime
FCA Regulated
E-commerce & Retail
Financial Services
Professional Services
Property & Real Estate
Industry Solutions
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Enable instant fund transfers, loan repayments, and investment deposits with bank-grade security and real-time settlement capabilities.
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Streamline your payment processing with secure, cost-effective bank-to-bank transfers. Bypass traditional card networks for improved efficiency and reduced transaction costs with Paytia's direct banking solutions.
Paytia's Bank-to-Bank payment solutions leverage advanced open banking technology to enable secure, direct payments between financial institutions. Powered by our strategic partnership with Fena.io, one of the UK's leading open banking service providers, this modern approach eliminates traditional card processing intermediaries, resulting in lower transaction costs and enhanced security.
Our system facilitates fast, efficient transfers while maintaining the highest level of data protection and compliance with financial regulations including PSD2, GDPR, and FCA requirements. By connecting directly with banking infrastructure through Fena.io's robust API platform, we offer a streamlined payment experience that reduces fraud risk and improves customer satisfaction.
Bank-to-bank payments represent the future of digital transactions, offering businesses a cost-effective alternative to traditional card payments. With instant settlement capabilities and reduced processing fees, our open banking solutions help businesses improve cash flow while providing customers with a secure, familiar payment method using their existing banking credentials.
Step 1: Initiate Payment - Customer selects "Pay by Bank" at checkout and is directed to a secure interface. Step 2: Bank Authentication - Customer securely authenticates with their banking provider. Step 3: Instant Transfer - Funds are securely transferred with immediate confirmation. Key Features Lower Transaction Costs Reduce payment processing fees by bypassing traditional card payment networks and their associated charges.
Initiate Payment - Customer selects "Pay by Bank" at checkout and is directed to a secure interface.
Bank Authentication - Customer securely authenticates with their banking provider.
Instant Transfer - Funds are securely transferred with immediate confirmation.
Reduce payment processing fees by bypassing traditional card payment networks and their associated charges.
Enhanced Security Utilize bank-level security protocols and authentication methods to protect sensitive financial information.
Utilize bank-level security protocols and authentication methods to protect sensitive financial information.
Faster Settlements Benefit from quicker funds availability with real-time or near real-time settlement capabilities.
Benefit from quicker funds availability with real-time or near real-time settlement capabilities.
Improved Cash Flow Access funds more quickly with faster settlement times compared to traditional payment methods.
Access funds more quickly with faster settlement times compared to traditional payment methods.
Watch our demonstration videos showing how customers can securely authenticate and complete payments using their mobile banking app, whether they're shopping on desktop or mobile devices.
Desktop Payment Flow See how customers using desktop computers can seamlessly authenticate and verify payment requests through their mobile banking app.
See how customers using desktop computers can seamlessly authenticate and verify payment requests through their mobile banking app.
Mobile Payment Flow Watch the streamlined mobile experience where customers can complete the entire payment flow directly on their smartphone.
Watch the streamlined mobile experience where customers can complete the entire payment flow directly on their smartphone.
Our bank-to-bank payment solution is built on Fena.io's enterprise-grade open banking platform, providing direct connectivity to over 2,500 banks across the UK and Europe. This partnership ensures robust API performance, comprehensive bank coverage, and regulatory compliance.
2,500+ Banks Connected across UK and European markets
99.9% Uptime Enterprise-grade reliability and performance
FCA Regulated Full regulatory compliance and authorization
Financial Services Enable instant fund transfers, loan repayments, and investment deposits with bank-grade security and real-time settlement capabilities.
Streamline client invoicing and payment collection with instant bank transfers that improve cash flow and reduce administrative overhead.
Handle large property transactions, rental payments, and deposits securely with instant verification and reduced fraud risk.
Join businesses that have reduced costs and improved efficiency with Paytia's Bank-to-Bank payment solutions.
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Cost Savings •
E-commerce payments
Operational Benefits •
Connected across UK and European markets
Enterprise-grade reliability and performance
Subscription services
B2B payment transfers
Financial services products