

A new era for Account-to-Account (A2A) payments.
Say hello to Pay Direct.
Account-to-Account (A2A) payments (also known as “bank transfers”) have been around for a while. Typically seen as a banking transaction, they move money from one account to another. Simply, cheaply and quickly.
The issue for businesses is that bank transfers have to be instigated by the customer and that’s where issues creep in; delays and errors can put a blocker between your company and the cash you’re trying to collect. This is where the power of Open Banking comes in and our newest payment solution, Pay Direct.
Pay Direct is a push A2A payment. Ideal for one-off payments.
It’s simple. Offer your customers the ability to pay directly by bank transfer at point of checkout or generate links which can be shared with your customers by SMS, email or letter. By clicking on their checkout choice or the link, they will be redirected to their digital banking journey, authenticate using their own credentials and authorise the payment.
Since the payments are processed via the Faster Payments Service (FPS), you’ll receive the funds in up to 2 hours. Plus, since the payment is an A2A payment, you’ll only pay a flat fee for each transaction
Easier for your customer. Faster and cheaper for your business.

Experience the customer journey yourself

Pay by Link
Collect outstanding balances or invoices from your customers using a secure payment link. We generate the link, you distribute the link, your customer accepts to pay, and you get paid.

Checkout
Offer the ability for your customers to pay by bank transfer at checkout. Your customer selects to pay by bank transfer, accepts to pay, and you get paid.
Lower risk for you and your customer.
With Pay Direct, no sensitive customer data is shared with you. On the customer’s side, since the transaction relies on the user using their online banking credentials to authorise the payment, there is minimal risk of fraud and no possibility for chargebacks.
Plus, Pay Direct removes the risk of incorrect amounts being sent or mistyped bank account details or references.

Pay Direct
See how much you could save with a simple change
Donate to The Children’s Charity and experience seamless Account-to-Account payments

This donation is made with Pay Direct, our Open Banking Payment Service. The Children's Society greatly appreciate your donation to transform the hopes and happiness of young people in need.
This is a great example of Open Banking giving merchants the ability to receive instant payments from their customers. It is encouraging to see that despite these challenging times, we have companies like Bottomline in our thriving ecosystem who are leveraging Open Banking technology to deliver greater value and improved choice. David Beardmore | Ecosystem Development Director | Open Banking Implementation Entity (OBIE)
Payment Initiation Services (PIS) are provided by Bottomline Payment Services, who are authorized by the Financial Conduct Authority under the Payment Services Regulations for the provision of payment services with FCA registration number 616279.
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