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 the United Kingdom (GBR), Germany (DEU), the 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

  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 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

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

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

Location specifics

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

Country Payment method (name, choose one of) Optional payment descriptors (choose one of)
UK Pay 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.
Germany Echtzeitüberweisung Eine schnellere und sicherere Art zu bezahlen.
Schnell, einfach, sicher. Keine Karte erforderlich.
Bezahlen Sie sicher direkt von Ihrem Bankkonto.
Netherlands Bank Betaling Een snellere en veiligere manier van betalen.
Snel, gemakkelijk, veilig. Geen kaart nodig.
Betaal veilig rechtstreeks vanaf uw bankrekening.
Spain Transferencia Online Una forma de pago más rápida y segura.
Rápido, fácil, seguro. No se necesita tarjeta.
Pague de forma segura directamente desde su cuenta bancaria.
France Paiement Bancaire Un 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

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

Country Visual Checkout assets
UK UK visual .ZIP
Germany Germany visual .ZIP
Netherlands Netherlands visual .ZIP
Spain Spain visual .ZIP
France France visual .ZIP

Handle Pay by Bank errors

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:

  • 0.02 Order expired
  • 3.04 Transaction is declined by issuer
  • 3.05 Call your bank
  • 5.08 Invalid transaction