Pay by Bank

Enable direct bank payments in your app or website via our open banking API - for licensed AISP/PISP providers.

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Pay by Bank powered by Neonomics

One integration, many benefits

Custom payment flow

Create a customized, fully integrated, end-to-end payment flow powered by our API.

Features to scale

Integrate with a wide set of bank features and functionality in a seamless, unified way.

Payments you’ll love

Domestic Payments, SEPA, Scheduled Payments, International Transfers, the options are all yours!

Lower cost, faster settlement

Reduce transaction fees and waiting times compared to cards and payment apps and eliminate interchange fees altogether.

Secure

Our API uses the customer's own bank authentication and security layers to provide a safe, secure and reliable payment process.

Higher conversion

Payments via our API deliver some of the highest conversion rates in Europe, on average 80% or higher.

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Payments built to scale

Your brand front and centre

Your brand. Your checkout. With Soft Branding and White Label options, you can customise Nello Pay to your needs.

Flexible payments

Pay how and when you want. Let users pick the date to pay.

Pay by link

Convenient payment links where and how users want them, whether that’s SMS, QR code, email or embedded behind a button.

Card payments

Although we strive for open banking payments, we believe customers should pay how they are comfortable. Accept card payments alongside our other solutions

Manage everything in your dashboard

Your all-in-one transaction insights and statuses. Getting started with our open banking solutions is now easier than ever.

Powerful solutions for your use case

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Fundraising

Fundraising

Say hello to a simple, seamless and secure payment solution that your customers will love. Powered by open banking.

E-commerce

E-commerce

Pay by Bank is the new way to pay – it's faster, safer, and smarter. Start converting more and saving on every transaction with open banking.

Lending

Lending

Super charge your credit decisioning with current and reliable financial data available in an instant. Powered by open banking.

How it works

1

Connect

Your customer selects their bank and performs a secure authentication to connect

2

Select bank account

Your customer chooses which account they would like to make the payment from.

3

Payment complete

Your customer authorizes the payment, and their bank makes the payment.

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Average conversion rate
90%+
Average savings compared to cards
80%
PSD2 compliant API
100%
Nordic bank connectivity
95%+

Why customers choose us

High conversion, lower costs

Our customer experience led payment solution is powered by open banking, allowing customers to pay directly from their bank, and saving you up to 80% in transaction costs.

Setting you up for success

Whatever you're building, we have highly experienced teams based in the U.K. and Nordics to set you up for success with our open banking powered solutions.

High coverage

Our unified API connects to over 2000+ consumer banks across Europe, and all payments are done through your customer's own bank' security layers ensures security and reliability with every transaction.

Hear from the client

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It's never been easier to add open banking to your solution

Let's chat and find the perfect solution for you.

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Neonomics AS is licensed as a Payment Institution (PI), Payment Initiation Service Provider (PISP) and Account Information Service Provider (AISP), issued by the Norwegian Financial Supervisory Authority (Finanstilsynet) passported across the EU.

The Smart Request Company Ltd (trading as Ordo and Nello) is a company registered in England and Wales (company number 11338545) whose registered office is 1 High Street, Thatcham RG19 3JG. Nello is authorised by the UK’s Financial Conduct Authority to provide Payment Initiation Services and Account Information Services under FRN: 836070.
Neonomics AS is licensed as a Payment Institution (PI), Payment Initiation Service Provider (PISP) and Account Information Service Provider (AISP), issued by the Norwegian Financial Supervisory Authority (Finanstilsynet) passported across the EU.
Swiss Approval Certificate ISO 27001:2022 for Neonomics AS