Payment Options · 03 of 03
Instant / Open Banking
Real-time account-to-account bank payments — lower fees than cards, irrevocable, and settled in seconds. Customers approve in their own banking app; merchants get cleared funds on the same day.
Why open banking?
- Lower cost — flat per-transaction fees instead of % of basket.
- Higher conversion on large baskets — no card limits or 3DS friction.
- Irrevocable settlement — no chargeback risk on the bank-debit leg.
- Same-day funds — instant rails (FPS, SEPA Instant, Faster Payments) where supported.
European & UK banks
HSBC
Barclays
Deutsche Bank
Commerzbank
CaixaBank
Santander
BNP Paribas
Société Générale
Société Générale
ING
UniCredit
NatWest
Lloyds
Lloyds
US banks
Chase
Bank of America
Wells Fargo
American Express
Goldman Sachs
Citi
Capital One
US Bank
Asia-Pacific banks
HDFC Bank
ICICI Bank
Axis Bank
SBI
DBS
DBS
OCBC
OCBC
UOB
Maybank
CIMB
ICBC
Bank of China
Hang Seng
Hang Seng
Open-banking aggregators & connectivity
Plaid
Tink
Tink
TrueLayer
TrueLayer
Yapily
Yapily
Trustly
Trustly
GoCardless
Token.io
Token.io
Volt
Volt
Klarna Kosma
Stripe Financial Connections
Salt Edge
Salt Edge
Belvo
Belvo
Finicity
Finicity
Akoya
Akoya
MX
Nordigen
Nordigen
Bud
Bud
Banked
Banked
Vyne
Vyne
Crezco
Crezco
Fintecture
Fintecture
Brankas
Brankas
Digital & neo-banks
Revolut
Wise
Monzo
Starling Bank
N26
Tide
Nubank
Chime
Instant payment rails
UK Faster Payments
UK Faster Payments
SEPA Instant
SEPA Instant
Hong Kong FPS
Hong Kong FPS
Singapore PayNow
Singapore PayNow
US ACH RTP
US ACH RTP
India UPI
Australia NPP
Australia NPP
Brazil PIX
Brazil PIX
60+ open-banking providers, banks & instant rails.
Provider availability varies by region; the READIES orchestration layer surfaces the right one
automatically per customer geography and basket.