Paytia and Fena payment flow
See how Paytia integrates with Fena to deliver secure Open Banking payments from start to finish.
Stop losing money to expensive card processing fees. Pay by Bank delivers 70% cost savings with instant bank-to-bank transfers that customers trust more than sharing card details. FCA-regulated Open Banking payments, settled via Faster Payments in seconds.
Direct bank transfers powered by Open Banking
Direct bank transfers powered by Open Banking. Lower costs, faster settlement, stronger security.
Stop paying 2.9% + 30p per transaction. Pay by Bank costs just 0.5% flat rate + a fixed fee per transaction. For businesses processing high volumes, the savings are substantial.
No more waiting 2-3 business days for card settlement. Bank transfers settle instantly with real-time confirmation. Improve cash flow and eliminate payment delays.
Customers prefer direct bank payments over sharing card details. Increase conversion rates with a familiar, trusted banking experience they already know.
Customers authenticate using their own bank's multi-factor security. No sensitive payment data on your systems. PSD2 compliant by default.
Connect with all major UK banks including Barclays, HSBC, Lloyds, NatWest, Santander, and more through secure Open Banking APIs.
Bank-authorised payments cannot be charged back. Eliminate chargeback fraud and the costs that come with it. Direct authentication means direct payment certainty.
Your business user creates the request for payment and sends it to your customer by email or SMS message. Setup takes just minutes with our simple interface.
Your customer clicks the received link and selects their bank. The service opens their mobile banking app or desktop internet bank login page automatically.
The customer logs into their banking app using their existing credentials, verifying their identity. They see the payment request presented by their bank and confirm.
Money transfer is initiated and your business receives the agreed payment instantly. Both parties receive real-time confirmation. No waiting, no uncertainty.
See how Paytia integrates with Fena to deliver secure Open Banking payments from start to finish.
Open Banking payments suit any business that wants to reduce processing fees and eliminate chargebacks while keeping settlement instant.
Online retailers offer Pay by Bank at checkout as a lower-cost, higher-trust alternative to card payments. Instant settlement improves cash flow and there are no chargebacks to worry about.
Law firms, accountants, and consultants collect invoice payments via secure bank transfer links. No card handling, no PCI scope, and clients pay from their own banking app.
Landlords and letting agents collect rent, deposits, and service charges via direct bank transfer with instant confirmation. Predictable, traceable, and final.
Utilities, telecoms, and subscription businesses cut card processing costs significantly by routing customers to Pay by Bank. The savings scale with volume.
Pay by Bank connects with every major UK bank through FCA-regulated Open Banking APIs. Your customers authenticate using their own trusted banking app.
Barclays
HSBC
Lloyds Banking Group
NatWest
Santander
Nationwide
Halifax
Monzo
Starling
Revolut
Plus 50+ additional UK banks and building societies via Open Banking
The full Bank Payments hub — direct debits, account-to-account transfers, and Open Banking options for every business model.
Learn moreSend secure payment links via email, SMS, or your website. Mobile-optimised by default and Pay by Bank ready.
Learn moreAutomate subscription billing with flexible recurring plans, agent-assisted setup, and tokenised card storage.
Learn moreSee Pay by Bank in action. Book a personalised demo and calculate your savings.