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One-off bank payments. Instant confirmation.
Cut costs with Pay by Bank. Bank payments that confirm instantly, settle fast and eliminate chargebacks.
Why Pay by Bank?
Cut payment costs in half
Save 49% on transaction fees compared to online card payments.
99% payment success
7x more reliable than cards. Stop chasing failed payments.
Get paid faster
Instant confirmation. Money in your account typically in hours, not days.
Protect your revenue
Virtually zero chargebacks. Eliminate fraud that affects 34% of businesses using cards.
Perfect for one-time payments
One-off invoices and payments
Send a payment link. Customer pays from their bank. You get instant confirmation.
Taking a first-time payment
Collect the first payment instantly, then automate monthly billing via Direct Debit, all in one checkout flow.
Account top-ups
Customers add funds instantly when they need them. No waiting for payments to clear.
Donations
Simple, trustworthy giving. No long card details, just a seamless bank-to-bank transaction.
Need flexible recurring billing?
Pay by Bank for recurring payments. Instant confirmation, same-day settlement, no chargebacks. New to the market — not new to us.
Join 100,000+ businesses using GoCardless
Ready to get started?
Perfect your one-off payments strategy. Join thousands of businesses who use Pay by Bank.