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The Pay by Bank solution,
which redefines the rules
of payment

Initiate transfers directly from your customers’ banking apps. Online, via invoice, or in-store, no account details entry required from them, and automated reconciliation for you.

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Response within 24 hours !

See the pricing
solution pay by bank : illustration du choix du moyen de paiement
Payment initiation
from the bank
Irrevocable payment,
upon validation
Controlled transaction costs,
no hidden fees

Payment initiation, truly multichannel

Online payment

Intégrez le Pay by Bank sur votre page de paiement en ligne. Vos clients sélectionnent leur banque, s’authentifient via leur application et confirment le virement en quelques secondes.

Send a secure link by email or SMS. The customer selects their bank and confirms the transfer in seconds. Reconciliation is automatic, and the invoice is settled without manual reminders.

Display a QR code on the payment terminal screen. The customer scans it, opens their banking app, and confirms the transfer initiated from their phone. The perfect alternative to in-store card limits.

solution pay by bank : illustration du parcours de paiement en ligne
illustration d'un email contenant un lien de paiement
lien de paiement

The next generation of bank transfers

Le Pay by Bank combine la simplicité d'un paiement mobile avec la fiabilité du virement bancaire.

Dynamic reconciliation

Each initiated transfer is natively linked to an order or invoice. Your finance teams no longer need to cross-check anything manually, regardless of transaction volume.

solution de paiement par virement : liste des virements entrants avec rapprochement automatique

Secure by nature

Strong authentication is handled by the customer’s banking application. No data passes through your platform. The transfer is initiated in a PSD2-compliant environment.

illustration d'une validation 3DS par une banque
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Response within 24 hours !

Le Pay by Bank pour chaque contexte métier

Marketplace

Collect payments and pay your merchants

  • Express onboarding for your merchants
  • Payment orchestration managed by CentralPay
  • Marketplace commission collection management
  • Automated payouts
Learn more
E-commerce

Accept more online payments

  • Boost card payments with Apple Pay and Google Pay
  • Accept instant bank transfers, Pay by Bank and SEPA direct debits
  • Quick integration via plugin, SDK or hosted payment page
  • Integrated data security and anti-fraud services
Learn more
Invoices

Get your bills paid, effortlessly

  • Payment requests via email & SMS, with automatic reminders
  • Automatic processing of transfers, direct debits and cards
  • Cash payments, down payments and payments due
  • Synchronization with ERP systems, software and business tools
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Custom made

Deploy complex models, simply

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FAQs

Questions about the Pay by Bank solution?

Pay by Bank (PIS - Payment Initiation Services) leverages Open Banking to initiate a transfer directly from your customers' banking app, without requiring their bank details. The customer journey unfolds in four steps:

  • Your customer selects their bank on the payment page
  • They are redirected to their banking app
  • They authenticate and confirm the initiated transfer
  • The funds are transferred immediately via SEPA
Pay by Bank works with banks in the SEPA zone, which includes more than 2,000 institutions in EEA countries. Payment initiation is available under the same conditions throughout the zone, without any country-specific configuration required from you.

Our payment pricing adapts to your business volume, while remaining simple and cost-effective.
Simulate your pricing on our pricing page.

Deploy Pay by Bank with CentralPay

Our teams analyze your architecture and offer a compliant, ready-to-deploy solution.

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View documentation