🏢 For Merchants & Acquirers

Accept bank payments.
Skip the card fees.

Drop in our embeddable widget and start receiving instant A2A payments. No card network fees, no chargebacks, no fraud liability — just bank-to-bank transfers at the speed of Faster Payments.

Start accepting payments →See a live demo

Why merchants choose open banking

💸

Zero card network fees

No Visa/Mastercard interchange. No scheme fees. No payment gateway markup. You pay a flat processing fee — that's it.

⚡

Funds in seconds

UK Faster Payments clears in under 10 seconds, 24/7/365. No T+1. No weekend delays. No chargeback lag.

🔒

No card fraud liability

A2A payments are irrevocable and bank-authenticated. No CNP fraud, no chargebacks, no friendly fraud.

🔁

Recurring without mandates

Variable Recurring Payments (VRP) let customers grant pre-authorised access within spending caps — no card-on-file risk.

🎨

Your brand, our rails

Customise widget colours, logo, and fonts from your portal. The customer sees your brand; we handle the compliance.

📊

Full financial visibility

Real-time transaction ledger, settlement statements (CSV + PDF), fee breakdown, and payout history.

The checkout widget — 5 screens, one tag

Embed with a single <script> tag. The widget is fully isolated in a sandboxed iframe. ~12 KB gzipped, zero external dependencies.

Consent disclosure

OBL-mandated legal text displayed. Amount and merchant name shown clearly. Cancel link prominent.

Bank selection

16 UK banks. Quick Pay tile for returning customers (stored in localStorage). Full searchable list.

SCA handover

Mobile: deep link opens the banking app. Desktop: QR code displayed. Biometric / PIN completes SCA.

Processing

Animated polling loop. Back-button and tab-close prevented to avoid double-submission.

Receipt

Green confirmation with end-to-end reference. Failure mapped to friendly message. Retry returns to bank selection.

Merchant integration snippet

<!-- Drop into any checkout page -->
<div id="bopen-payment"></div>
<script
  src="https://checkout.example.com/v1/checkout.js"
  data-checkout-token="BASE64_ENCODED_TOKEN"
  data-container-id="bopen-payment"
  async>
</script>

The Acquirer Portal

A full-featured B2B dashboard — self-register in seconds, manage your payment operation, and customise the customer experience without engineering resources.

✓Self-service onboarding — Keycloak realm provisioned in under 30 seconds
✓Real-time transaction ledger — live data polled every 15 s with a pulsing status indicator; no page refresh needed
✓One-click full or partial refunds directly from the transaction view
✓Dispute case management — submit evidence, track resolution status
✓Widget Branding Studio — live preview as you customise
✓Team RBAC — ADMIN / DEVELOPER / FINANCE roles
✓Webhook registration with HMAC-SHA256 signing and dead-letter replay
✓CSV and PDF settlement export

Registration → live

Self-service Keycloak realm provisioning

< 2 min

Ledger refresh rate

Live polling — pulsing status indicator, no manual refresh

15 s

Payment widget

Zero backend work to embed

1 tag

Settlement cycle

Faster Payments — no batching

Instant

Dispute resolution

Aligned to Open Banking Standards

OBL DMS

Ready to cut card fees?

Book a 20-minute call. We'll show you a live transaction from widget to settlement and answer your integration questions.

Book a demo →

Accept bank payments.Skip the card fees.