eCommerce
Checkout & retail
Add an instant payment method with SCA at the bank. Lower fees and faster settlement versus cards can improve liquidity while reducing CNP fraud exposure.
Pay by bank
Add a lower-cost payment method to your platform via open banking.
Make payments faster and more secure by letting end-users initiate them straight from their bank accounts — without leaving your checkout. Strong customer authentication sits with the bank, which cuts many card-not-present fraud patterns while you avoid heavy interchange stacks on eligible flows.
Coverage
Pay with banks across Europe & the UK.
StixBNK connects your product to a broad set of ASPSPs through regulated interfaces so customers can pay from the account they already use every day. We keep testing and expanding bank and EMI channels so you can offer a seamless “Pay by bank” option next to cards and wallets — one integration for initiation, status webhooks, refunds where supported, and reconciliation data.
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How it works
Building a great payment experience.
Users pick Pay by bank, choose their institution, and complete SCA in the bank’s familiar app or web flow. That seamless path helps them finish checkout and come back again. You receive authorised amount, references, and events in real time — ideal for e-commerce, subscriptions, pay-by-link invoices, and instant refunds where the rail allows.
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Where account-to-account payments win
Travel
Travel & tourism
Settle or refund at speed with open-banking rails — useful for airlines, OTAs, and agencies that move large volumes across borders.
Lending
Lenders & collections
Let borrowers initiate loan repayments from their bank without leaving your app, improving completion and auditability.
Corporate
Corporate & treasury
Initiate taxes, payroll, or supplier runs from business accounts in supported schemes — batch, scheduled, or API-driven.
Wallets
eWallets & platforms
Top up or transfer in-account without routing everything through cards, cutting cost on funding flows.
Benefits
Payments reinvented
New lower-cost method
Move value account-to-account and reinvest savings from card processing where the rail fits.
Mitigate fraud risk
SCA with the bank adds a strong layer; fewer raw PAN flows on your domain.
Broad coverage
Reach many EU & UK institutions through one API; channel health monitored for smoother UX.
Highly secure flows
Designed for regulated open banking with clear logging, webhooks, and operational controls.
Flexible templates
Standardised payment templates so you worry less about bank-by-bank quirks.
We handle the heavy lift
StixBNK focuses on connectivity, security, and compliance plumbing so you ship product.