The Smarter Way to
Pay by Bank

Enable your European customers to pay directly from their bank account. Instant settlement, zero chargebacks, significantly lower fees than card payments.

Account-to-Account Payments Explained

Account-to-Account (A2A) payments allow money to move instantly between bank accounts without cards, wallets, or manual bank transfers.

With Net Money, customers can securely pay straight from their online banking app in just a few clicks. The payment is authenticated by the customer’s bank and processed through modern and secure banking infrastructure.

Significantly lower fees

Account-to-account transfers bypass card network interchange fees entirely. Keep more revenue on every transaction.

Instant bank transfers

Funds are settled via SEPA Instant Credit Transfer and arrive on the same day across the eurozone.

Zero chargebacks

Bank transfers are irrevocable. Once authorised via Strong Customer Authentication, the money is yours.

Built on secure banking infrastructure

Our solution is built on regulated PSD2 interfaces, enabling bank-grade security with a seamless checkout experience.

Everything You Need to Accept Bank Payments

One platform built from the ground up to power European bank payments.

Same Day Settlement

Funds arrive in your bank account on the same day to improve your cash flow.

Open Banking Compliant

PSD2 and PSD3-ready infrastructure with all data securely hosted by EU-based data centre providers.

Zero Chargebacks

Irrevocable bank-authorised transfers mean no fraud reversals. Eliminate dispute costs entirely.

Low Transaction Fees

Flat fees per transaction and significantly lower than traditional card schemes.

One-Click Integration

RESTful API with ready-made SDKs for Node.js, Python, Java to expedite your integration.

Pan-European Coverage

Reach every customer on the continent with a single integration.

Three Steps to Your First Payment

Your customers never leave a native banking experience and you receive funds on the same day.

Customer selects to pay by bank

At your checkout, the customer chooses their bank from our directory of European banks.

Authenticates via banking app

Strong Customer Authentication via the customer's own banking app.

Instant confirmation

Payment confirmed in seconds. Funds usually arrive same day via SEPA Instant.

Bank Payments Beat Cards in Europe

Learn how account-to-account payments through Net Money stack up against traditional card processing.

Feature	Net Money	Card Payments
Transaction fee	Flat fee	1.5%–3.5%
Settlement time	Seconds (SEPA Instant)	2–3 business days
Chargeback risk	Zero	High
Fraud reversals	None (SCA protected)	Common
Coverage	Up to 99 %	Up to 55 %

Integrate in Days
Instead of Weeks

Our RESTful API is designed for simplicity. One endpoint to create a payment, one webhook to confirm it. Full SDKs for every major language and framework.

SDKs: Node.js, Python, Java
Secure mTLS connections to our API
Sandbox environment with test IBANs

payment.js

// Accept a payment in 3 lines
const payment = await netMoney.payments.create({
  amount: 4999,          // €49.99 in cents
  currency: "EUR",
  reference: "ORDER-123",
  redirect_url: "https://yourshop.com/confirm"
});

// Redirect customer to payment page
window.location.href = payment.checkout_url;

// Webhook fires when confirmed ✓

Ready to Accept Smarter Payments?

Join a network of European merchants who have successfully switched to accept bank payments using Net Money.

Contact Sales

The Smarter Way toPay by Bank