Maximise your Margin with Pay By Bank
Reduce the two biggest threats to revenue: card network fees and fraud.
The Checkout with a Clear ROI
Stop trading margin for sales. Our platform combines low transaction costs, instant settlement, and the speed to maximise every sale.
Protect Your Margin
Add revenue back to your bottom line on every sale, with easy to understand costs and no hidden fees.
Fast for Everyone
Consumer checkout and fund settlement in under 60 seconds* – keep cash flow moving around the clock.
Every payment matters
Our support team resolves payment issues quickly, as if they were our own, removing the burden on your team.
Sell Locally at Scale
Expand across markets. Direct access to 3,800+ European banks. No need for local settlement accounts.
Key feature
The Chargeback-Free Network for E-commerce
Routing Pay by Bank payments across the UK and Europe within seconds, Brite Instant Payments Network (Brite IPN) operates instantly 24/7, 365 days a year, maximising checkout conversion and delivering funds immediately, free from card network fees and delays.
Solve your Biggest Checkout Pains
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Online Commerce is getting an upgrade
Our solutions are engineered to increase margin and solve your biggest operational headaches—from refund speed to reconciliation.
More Choice, More Chance to Convert
67% of European shoppers prefer to use local payment methods like Pay By Bank (source: Paypers).
Offer consumers a fast, secure way to pay directly from their bank account. No card numbers, instant settlement, virtually no chargebacks.
Instant Refunds, Ultimate Service
Turn a return into a positive experience. Deliver refunds in seconds, drastically cutting support tickets and improving customer retention.
Reduce risk during peak sales
Protect Profit and Avoid Chargebacks
All payments are bank-verified via Strong Customer Authentication (SCA), making them irrevocable. This eliminates card fraud, removes your financial liability for card-related chargebacks, and improves profit margin on every order.
Peak Sales Resilience
The proprietary Brite Instant Payments Network (IPN) provides consistently strong uptime and 24/7/365 processing stability. This ensures your checkout is more resilient during critical, high-volume sales periods like Black Friday or holiday peaks.
Consumer Data Handled with Care
We handle sensitive financial data via secure banking channels, ensuring compliance with data regulations (such as the UK GDPR) while minimising your overall compliance footprint. Your customers’ PII is protected, fostering crucial checkout trust.
The Pay by Bank API for Fast Commerce
Clean, documented, and built for scale. Give your dev team an API they’ll love, and give your finance team the reliability they need.
Your E-commerce Questions Answered
Any more questions?
Why are Brite solutions well suited to E-commerce?
Brite solutions are ideally suited to e-commerce because they deliver direct, measurable value to your bottom line. We address the sector’s main challenges by providing:
Lower Transaction Costs: Reducing expensive card network fees.
Reduced Fraud Risk: Chargeback-free payments ensure your revenue security.
Superior Cash Flow: Instant settlement means immediate access to funds.
Better Customer Service: Instant Refunds reduce support costs and build loyalty.
With Brite Instant Payments, are chargebacks truly eliminated, or just reduced?
Card-related chargebacks are virtually eliminated. Because Brite uses direct Account-to-Account (A2A) transfers backed by Strong Customer Authentication (SCA), the payment is bank-verified and irrevocable—removing your financial exposure to card fraud disputes.
How fast are Brite Instant Refunds, and how does this impact customer loyalty?
Refunds are processed as Instant Payouts, meaning the consumer receives their money in their bank account in seconds, not days. This is a critical factor in customer satisfaction: fast refunds drastically reduce customer frustration, cut support tickets, and build strong loyalty, turning a return into a positive brand experience.
Can I use Brite Instant Payments for repeat customers (e.g. one-click payments)?
Yes. Our ‘Pay Faster Next Time’ feature is designed to maximise returning consumer conversion. After the first payment, the consumer can complete subsequent purchases using a streamlined, one-click authentication step, making repeat business effortless and highly secure.
How does Brite help with fraud on high-value orders?
For high-value items, Brite helps mitigate risk by leveraging the inherent security of A2A payments and our Account Information Services (AIS). A good example is using Account Verification to instantly confirm the buyer’s identity and ensure the name on the payment account matches the name on the order, helping to prevent account takeover and fraud before shipping.
Is the Brite platform stable enough for major sales events like Black Friday?
Yes. The Brite Instant Payments Network (IPN) is a proprietary, full-stack infrastructure built for high-volume resilience. It operates 24/7/365 with high availability, ensuring your checkout remains fast and stable during major sales events like Black Friday, minimising the risk of losing revenue due to payment downtime.
Is Brite’s integration compatible with my existing E-commerce platform?
Yes. Brite offers a clean API and readily available integrations designed for compatibility. We actively partner with leading e-commerce platforms (e.g., Shopware) to provide merchants with simple, out-of-the-box plugins that allow you to quickly activate Pay by Bank without extensive development work. For details about the partners we’re integrated with, you can visit our partner page or contact us.
Any more questions?