Add pay-by-bank / A2A checkout
Account-to-account payments that skip the card networks. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.
How the stack fits together
Pay-by-bank takes the card out of the payment: the customer approves a transfer in their own banking app and the money moves bank to bank, increasingly over SEPA Instant. There are two ways in - an open-banking payment initiation provider that reaches many banks at once, or a domestic scheme (BLIK, iDEAL, Bizum, Swish) that owns its home market. Most merchants end up with both: an initiator for breadth, and the dominant local scheme wherever one exists.
Step 1 — Payment initiation (PIS) required
Initiate bank transfers directly, or plug into a domestic A2A scheme.
What to check: Ask which banks and what share of accounts are reachable in your markets, whether payments settle over SEPA Instant, and how refunds and recurring payments are handled.
In the catalogue — Open banking: 38 live providers, 25 with data in the EEA; 26 documenting payment initiation, 4 variable recurring payments. Local payment schemes: 37 live providers, 27 with data in the EEA; 29 usable at online checkout, 16 in store.
Browse all: Open banking · Local payment schemes
Step 2 — Verify customers optional
Depending on flow and limits.
What to check: Decide which flows need full identity checks; for payouts and higher limits, confirming that the payer owns the account matters as much as who the person is.
- Authologic EU core Poland
- Fourthline EU core Netherlands
- iDenfy EU core Lithuania
In the catalogue — KYC/KYB: 35 live providers, 18 with data in the EEA; document checks at 23, biometrics at 20, business (KYB) checks at 13 and national eID at 3.
Browse all: KYC/KYB
Sovereignty notes
- The strongest sovereignty play: A2A bypasses Visa/Mastercard entirely - a domestic European rail end-to-end.