Open banking payments for Europe & the UK.
Let customers pay straight from their bank account. ZepoPay connects you to Pay by Bank across the EU under PSD2 and across the UK under the Open Banking Standard — settled over SEPA Instant and Faster Payments.
- Framework
- PSD2 · Berlin Group & STET APIs
- Rail
- SEPA Instant Credit Transfer
- Settlement
- ~10 seconds
- Framework
- UK Open Banking Standard
- Rail
- Faster Payments
- Settlement
- Seconds, 24/7
Pay by Bank, in three taps.
Switch between Europe and the UK to see the rail, framework and settlement time for each market.
- Bank-authenticated payments with built-in SCA — no card data, no 3DS friction
- Local favourites in one flow: iDEAL, BLIK, Bancontact, Przelewy24
- Account information (AIS) for instant account verification and source-of-funds checks
- Lower cost than cards and no card-scheme chargebacks
From checkout to settled in seconds.
Choose Pay by Bank
Customer selects their bank at checkout — no card number, no forms.
Authenticate in-app
Redirect to the banking app, approve with Face ID or PIN (SCA built in).
Instant confirmation
Payment initiated over SEPA Instant or Faster Payments, status pushed by webhook.
Settled & reconciled
Funds land in your account and are matched automatically in the dashboard.
Cheaper than cards. Faster than wires.
Lower cost than cards
No interchange or card-scheme fees on account-to-account payments.
No card chargebacks
Bank-authorised push payments sit outside card-scheme dispute rules.
Instant settlement
SEPA Instant in the EU and Faster Payments in the UK — funds in seconds.
SCA built in
Customers authenticate in their own banking app with biometrics or PIN.
Higher conversion
No card numbers to type, no 3DS pop-ups, no expired cards.
Account verification
Confirm account ownership with AIS before the first withdrawal.
Europe and the UK, one integration.
Open banking in Europe
PSD2 · Berlin Group & STET APIs
- Bank-authenticated payments with built-in SCA — no card data, no 3DS friction
- Local favourites in one flow: iDEAL, BLIK, Bancontact, Przelewy24
- Account information (AIS) for instant account verification and source-of-funds checks
- Lower cost than cards and no card-scheme chargebacks
Open banking in the UK
UK Open Banking Standard
- Pay by Bank with every major UK high-street and challenger bank
- Funds settle over Faster Payments in seconds, 24/7/365
- Account-name checks before payouts to stop misdirected funds
- Instant withdrawals and payouts back to verified accounts
Pay-ins, payouts and verification.
Deposits & top-ups
iGaming wallets, trading accounts and crypto exchanges funded instantly from a bank account.
E-commerce checkout
A cheaper, faster Pay by Bank button next to cards and wallets.
Payouts & withdrawals
Send funds back to verified bank accounts over the same instant rails.
Onboarding & KYC
Account information to verify identity, ownership and source of funds.
What is open banking (Pay by Bank)?
Open banking lets a customer pay directly from their bank account. They pick their bank, approve the payment in their banking app, and the funds move account-to-account over instant payment rails — no card details involved.
Which countries are covered?
ZepoPay's open banking covers the European Union and EEA (under PSD2) and the United Kingdom (under the UK Open Banking Standard).
How fast is settlement?
In the EU, payments use SEPA Instant Credit Transfer and typically arrive in around ten seconds. In the UK, payments use Faster Payments and arrive in seconds, 24/7.
Are there chargebacks with open banking?
Open banking payments are bank-authorised push payments, so they are not subject to card-scheme chargebacks. Refunds are issued by you, directly from the dashboard.
Is open banking cheaper than cards?
Usually yes. Account-to-account payments avoid interchange and scheme fees, which makes them significantly cheaper than card acceptance for most merchants.
Can open banking be used for KYC or account verification?
Yes. With the customer's consent, account information services confirm account ownership and can support source-of-funds checks — useful before payouts in iGaming and trading.
Add Pay by Bank to your checkout.
Go live with open banking in Europe and the UK through a single ZepoPay integration.