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 — bank-to-bank 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.

Variable recurring payments

VRP lets 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 — five screens, one tag

Embed with a single <script> tag. 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. Full searchable list.

SCA handover

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

Processing

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

Receipt

Confirmation with end-to-end reference. Failure mapped to a 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 B2B dashboard — self-register in seconds, manage payments, 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; 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 — 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 a live transaction from widget to settlement and answer your integration questions.

Book a demo

Accept bank payments.Skip the card fees.