Pay by bank
Account-to-account payments: no card, no interchange, no chargebacks.
Open banking in the UK and EEA, SEPA Instant and SEPA Direct Debit, with the payer authenticating in their own bank app and funds arriving in seconds or by mandate.
What it does
- 01
Instant confirmation over open banking and SEPA Instant; direct debit mandates for repeat collections.
- 02
Payment status resolved by bank callback, not by polling — the same webhook as every other method.
- 03
Bank-transfer refunds issued as payouts to the originating account, with the reference preserved.
In practice
Open banking and instant transfer, one type away.
Set payment_method.type to "open_banking" or a local rail like "ideal" and the customer approves in their bank.
curl https://cleared-pay.com/api/v1/payments -H "Authorization: Bearer cp_sk_test_..." \
-H "Content-Type: application/json" \
-H "Idempotency-Key: 2f9c1e7b-6d5a-4c3b-8a2f-1e0d9c8b7a6f" \
-d '{"amount":2000,"currency":"eur","reference":"ORDER-10441","payment_method":{"type":"ideal"},"return_url":"https://merchant.example/return"}'
# → 201 { "status": "requires_action", "next_action": { "type": "redirect", "redirect": { "url": "..." } } }Payment methods
Methods this product carries.
Tell us what you're building. We'll tell you what we can do.
A short form, a real underwriter, and a clear answer on methods, pricing and timing.