Bank-payment service using open-banking account-to-account transfers as a lower-cost alternative to cards with same-day settlement.
GoCardless Pay by Bank is GoCardless's account-to-account payment service for businesses collecting one-time and recurring bank payments. Customers authenticate through their banks while merchants avoid card fees and chargebacks.
The service extends GoCardless's bank-debit infrastructure with instant open-banking flows, covering recurring billing, subscription collections, and one-off checkout payments with same-day settlement and instant bank verification.
| Attribute | GoCardless Pay by Bank | Pay | |
|---|---|---|---|
| Provider | |  | |
| Founded | 2011 | 2017 | |
| Sells To | Enterprise, Small Business | — | |
| Pricing Model | Recurring, Transactional | — | |
| Ownership | Equity, Venture-backed | Venture-backed |
Provider
Founded 2011
Sells To Enterprise, Small Business
Pricing Model Recurring, Transactional
Ownership Equity, Venture-backed
Provider
Founded 2017
Sells To —
Pricing Model —
Ownership Venture-backed
Pay-by-bank service letting US businesses accept direct account-to-account bank payments at checkout with guaranteed settlement.
Payment verification platform enabling ACH account verification and payment enablement.
Pay-by-bank service letting US businesses accept direct account-to-account bank payments at checkout with guaranteed settlement.
US bank-debit payment service letting businesses accept account-to-account ACH payments at lower cost than card acceptance.
US bank-debit payment service letting businesses accept account-to-account ACH payments at lower cost than card acceptance.
VoPay Payments-as-a-Service embeds full payment processing into partner platforms through one API.
API-first payment operations platform for bank money movement, ledgering, and reconciliation.
Restaurant vendor-payment platform for organizing, approving, reconciling, and paying bills.
QuickBooks app that generates and uploads bank-ready positive pay check files automatically.
Temenos Open Banking gives financial institutions secure, API-driven data sharing and payment initiation.
Philippine payment API for cards, e-wallets, bank transfers, and subscriptions.
VoPay Payments-as-a-Service embeds full payment processing into partner platforms through one API.
Rotessa's service withdraws single or recurring payments from customer bank accounts.
API-first payment operations platform for bank money movement, ledgering, and reconciliation.
European marketplace payment platform for multi-party fund collection, split, and payout.
Payment verification platform enabling ACH account verification and payment enablement.
Plaid Transfer initiates ACH payments with built-in risk scoring.
Plaid Auth verifies bank account ownership and enables instant micro-deposits.
Restaurant vendor-payment platform for organizing, approving, reconciling, and paying bills.
Tink offers open banking APIs that connect apps to thousands of European banks for payments and financial data.
QuickBooks app that generates and uploads bank-ready positive pay check files automatically.
Temenos Open Banking gives financial institutions secure, API-driven data sharing and payment initiation.
Philippine payment API for cards, e-wallets, bank transfers, and subscriptions.