Instant Payments

The process is fast and safe. The consumer simply chooses Brite at checkout, selects their bank from the list, and logs in securely using their bank’s usual identification method (such as biometrics or a digital ID). The payment is then authorised and processed instantly, without needing to input any card details or register an account.

No, chargebacks are virtually eliminated. Brite Instant Payments are direct Account-to-Account (A2A) transfers that the consumer authorises using their bank’s mandatory security protocols (SCA). Because the payment is authenticated and irrevocable, it removes your financial liability for card-related chargebacks.

Consumers typically spend less than 60 seconds from the start of the Brite payment experience to completion on a merchant’s website. Settlement typically happens in seconds, once authorised by the consumer.

Brite leverages its proprietary network (Brite IPN) to route payments in the most efficient way possible, minimising dependency on traditional bank clearing cycles. This provides you with real-time payment confirmation and improved cash flow.

Refunds are processed just as quickly as the original payment.

You initiate the refund via your merchant system or API, and Brite handles the instant payout. Our Instant Refunds feature ensures the consumer receives the funds in their bank account in seconds, drastically improving consumer satisfaction and reducing support costs.

Brite Instant Payments can positively improve your conversion rate.

According to YouGov and other research sources, consumers are adopting Pay by Bank because it is faster and more secure than traditional credit or debit cards. By eliminating the friction of entering lengthy card numbers, our optimised UX boosts success rates.

Our ‚Pay Faster Next Time‘ feature makes the experience even faster for returning consumers.

Brite Instant Payments are available in 27 markets across Europe. We are connected to more than 3,800 banks, providing wide coverage and allowing you to centralise payments and treasury with a single integration.

Markets where Brite payments are available:

Belgium

Denmark

Estonia

Finland

France

Germany

Latvia

Lithuania

Netherlands

Sweden

Pay Faster Next Time is our innovative solution designed to maximise loyalty and repeat sales by significantly speeding up the checkout process.

It’s the Open Banking equivalent of a one-click payment: allowing returning consumers to complete their purchase using only one streamlined authentication step. When combined with our Bank Account Selector, consumers are able to complete the Brite Instant Payment journey in a matter of seconds, using their preferred bank account.