Pay by Bank
with Real-Time Payments
Reduce payment fees, lower reliance on cards, and facilitate fast, secure, real-time payments through Open Banking for increased efficiency.
Trusted By
Built for Scale
Six operational advantages that protect mission-critical deposits and enhance business reliability.
Bank Coverage
Aryze partners with Mastercard Open Banking to leverage their Payment Rails, delivering the reach, trust, and operational benchmarks that discerning clients expect.
Higher Completion
Aryze offers Account-to-Account (A2A) payments with predictable upfront pricing and support for high transaction volumes for Licensed UK merchants.
Risk Controls
Utilises bank-authenticated payments with custom rules, limits, and fraud controls designed for higher-risk and high-volume environments.
Reconciliation
Ensure accurate payment references, consistent records, and verifiable payment evidence to improve reconciliation processes across operational and finance teams.
UK Regulatory Compliance
Aryze supports UK regulatory compliance, including KYC and AML checks, enabling payment teams to operate confidently and meet legal requirements.
Reduce Drop-Off
Minimise drop-off rates by implementing bank-native payment processes that decrease failed transactions and ensure a clear, seamless customer experience.
The Missing Link
A2A payments are more cost-effective, but cost is only one factor. Payment teams require strong controls, functional clarity, and scalable processes.
Aryze serves as a PSP to deliver Pay by Bank through a UK-licensed partnership designed for competitive pricing and real-time payments.
Built on Mastercard Payment Rails.This foundation establishes credibility and operational standards that ambitious teams crave, promoting adoption, trust, and scalable growth.
Why are teams transitioning from cards to account-to-account payments?
Cards increase costs and operational risks. Pay by Bank offers instant payments with competitive pricing.
Card-Based Payments
- Percentage-based fees that scale with ticket size (1.5–5% per transaction)
- Ongoing card chargeback exposure and operational risk
- Settlement can take up to 1–3 business days
- Higher onboarding friction may cause substantial registration drop-off
- Card-not-present fraud exposure
Pay by Bank with Aryze
- 💷Tiered flat fee, predictable
- 🛡️Card chargebacks are eliminated, as Pay by Bank transactions are irrevocable.
- ✅Real-Time payments, 24/7/365
- 🧠Seamless bank login
- 🔒Bank-level security using rigorously tested software and systems.
Three Steps from Checkout to Confirmed Payment
Go live quickly with a setup tailored for teams that require Pay by Bank to operate reliably at scale.
- 01
Create Your Account
Start onboarding by outlining your use case, estimated transaction volume, risk profile, and operational needs. The setup is customised to fit your team's workflow.
- 02
Connect and Test
Integrate payment processes, webhooks, etc. Verify the end-user experience, operational controls, and system reliability prior to deployment.
- 03
Go Live and Expand
Launch the Pay by Bank solution, monitor performance, and scale by adding new payment routes, use cases, or control mechanisms as transaction volume grows.
- Book a Demo
Integrate with Your Bank
Aryze leverages Mastercard Open Banking Payment Rails for expected reach, trust, and operational benchmarks.
Barclays
HSBC
Lloyds
NatWest
Santander
Monzo
First Direct
Barclays
HSBC
Lloyds
NatWest
Santander
Monzo
First Direct
Starling
Halifax
Revolut
Metro Bank
Nationwide
TSB
Mettle
Starling
Halifax
Revolut
Metro Bank
Nationwide
TSB
Mettle
Common Questions & Answers
The practical details buyers usually need before moving volume.
What is Pay by Bank?
Pay by Bank is an account-to-account payment method allowing customers to pay directly from their bank accounts no card details needed. For merchants, it reduces fraud exposure, accelerates settlement, lowers payment friction, and typically delivers funds faster, improving cash flow.
How fast is Pay by Bank?
Aryze Pay by Bank is built for real-time payments, 24/7/365.
How is pricing structured?
Aryze uses predictable flat fee pricing rather than percentage-based card fees. That makes payment cost easier to forecast as volume grows.
How does Aryze decrease chargeback exposure?
Once confirmed, Pay by Bank payments are irrevocable, minimising card chargeback exposure and reducing the operational burden of disputes.
Let's Map Your Flow
Share your use case, and we'll visualise the transaction journey, identify integration points, and develop a custom pilot based on your projected volume, transaction profile, and risk management needs.
Get Started