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.
Open banking routing
Route A2A payments across providers — one API, every market.
Connect checkout and collections to regulated open banking without locking into a single aggregator. StixBNK selects and fails over providers by market so payers complete SCA at their bank while you keep webhooks, references, and reconciliation in one layer. Use the same stack for invoicing & payment links when you bill outside the cart.
Routing
Market-aware initiation — not a single-provider bet.
StixBNK routes payment initiation through the aggregators you plug into the platform. Coverage, channel health, and fallbacks stay operational concerns for us — your product team codes against one contract for amount, reference, status, and refunds where the rail allows. The same path settles invoicing & payment links.
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How it works
Checkout or invoice link → bank SCA → settled events.
Users pick Pay by bank, choose their institution, and complete SCA in the bank’s familiar app or web flow. You receive authorised amount, references, and events in real time — whether the journey started from API checkout or an invoicing & payment link.
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Where open banking routing wins
Invoicing
Payment links
Settle invoices and one-offs on the same routing layer via hosted checkout links.
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
Provider routing
Market-based selection and fallbacks instead of a hard-coded aggregator.
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.
Pairs with invoicing
Same hosted checkout and events for invoices and payment links.
We handle the heavy lift
StixBNK focuses on connectivity, security, and compliance plumbing so you ship product.