Stop paying card-network fees on every transaction. Pay by Bank uses ACH, FedNow, and RTP rails to move money directly between bank accounts — lower fees than cards, faster settlement on the instant rails, and no chargebacks. NACHA-aligned and Reg E-aware.
ACH, FedNow, and RTP under one integration
Direct bank transfers powered by ACH, FedNow, and RTP. Lower costs, faster settlement, stronger security.
Card processing typically runs 2.5–3.5% plus per-transaction fees. ACH, FedNow, and RTP cost a fraction of that. For high-volume billers the savings add up fast.
FedNow and RTP settle in seconds, 24/7/365. ACH is slower but still beats card settlement timing on most processor agreements. No more waiting days for funds.
Customers prefer paying directly from their checking account over sharing card details with another vendor. That trust lifts conversion on bigger-ticket payments.
Customers authenticate with their own bank's MFA. No card data on your systems. Reg E governs consumer protections, and we route through partners that handle the dispute framework cleanly.
Connects to thousands of US banks and credit unions through our bank-payments partners — Chase, Bank of America, Wells Fargo, Citi, US Bank, PNC, and most regional banks and credit unions.
Bank-authorized push payments can't be charged back the way card payments can. ACH has its own dispute window under Reg E, but the chargeback fraud you see on cards effectively disappears.
Your team generates the request and sends it to the customer by email or SMS. Setup takes minutes through our portal or API.
The customer clicks the link and selects their bank from the list. We hand off to their bank's authentication flow.
The customer logs into their bank using their existing credentials, sees the payment request, and confirms it. No card details, no shared secrets.
Payment routes via ACH, FedNow, or RTP depending on what the customer's bank supports. Both parties get real-time confirmation. Funds settle without the card-network middlemen.
ACH, FedNow, and RTP suit any US business that wants lower processing fees, no chargebacks, and faster settlement.
Online retailers offer Pay by Bank at checkout as a lower-cost, higher-trust alternative to cards. Settlement is faster on FedNow/RTP rails and there are no chargebacks.
Law firms, accountants, and consultants collect invoice payments via secure bank links. No card handling, no PCI scope, and clients pay from their own banking app.
Landlords and property managers collect rent, deposits, and HOA fees via direct bank transfer with instant confirmation. Predictable, traceable, and final.
Utilities, telecoms, and subscription businesses cut processing costs significantly by routing customers to Pay by Bank instead of cards. Savings scale with volume.
See Pay by Bank in action. Book a demo and we'll calculate your potential savings. Or talk to our New York team on +1 628 295 2250.