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Our Pay by Bank solution for growth, conversion, and security.
CalyticsPay lets customers pay directly from their bank accounts - instantly, securely, and at a fraction of card costs. With bank-grade authentication, real-time settlement, and built-in risk signals, you get a payment method that’s fast, low-cost, and built to scale.
100% guarantee
Every authorized payment is final & irrevocable
✔ No chargeback risk, less fraud
✔ Direct bank authorization
✔ Cheaper than credit card fees
Instant liquidity
Why wait days? The money is in your account in seconds
✔ Instant settlement
✔ Better cash flow
✔ Immediate order release
Higher conversion
Frictionless checkout without tedious data entry by the user
✔ Login via FaceID / TouchID
✔ Trusted bank interface
✔ Increases trust & conversion
Why CalyticsPay
Traditional bank transfer or SEPA methods are slow, conversion-challenged or exposed to risk. With CalyticsPay you get more than just Pay by Bank:
100% instant settlement within seconds
Lowest-cost bank payment rails
Zero chargebacks & less fraud
Improve user trust & conversion
No app, no sign up, no wallet installation
CalyticsPay value adds
Integrated value adds that strengthen SEPA payment performance across your business.
Calytics TrueVerify
Account ownership & age verification
Give customers a fast, frictionless identity and account verification powered directly by their bank data - with instant checks and bank-grade security.
Calytics confirms account ownership, IBAN validity, account status and customer age (18+) in real time, preventing fraud, reducing failed payments, and eliminating manual compliance steps.
✔ Higher conversions
✔ Reduced fraud & failed payments
✔ Lower verification & operational costs
Calytics SmartSwitch
Dynamic card-to-bank conversion at checkout
When a customer selects a debit or credit card at checkout, Card-to-Bank Switch identifies the issuing bank from the card details and prompts them to switch to Pay by Bank.
By steering customers toward real-time account payments, you cut interchange fees, speed up settlement and create a smoother checkout experience.
✔ Lower payment costs
✔ Zero chargebacks & reduced fraud
✔ Faster settlement
Calytics Fraud Intelligence
Real-time fraud checks using shared intelligence
Calytics screens every IBAN against our Shared Fraud Intelligence network and blocks transactions linked to fraud or unauthorised activity.
Beyond basic blocklisting, our system blocks offenders using criteria such as device fingerprint, email, bank and IP address.
✔ Blocks known fraud
✔ Detects emerging patterns
✔ Prevents losses early
One integration, many connections
Our solutions are powered by a single, secure API that provides PSD2-compliant access to European bank data across the entire Calytics platform.
Banking connections
4,600+
European countries
21
Transfer within seconds
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API-integration
1
CalyticsPay Plus: our enterprise extensions
Virtual IBANs
Every transaction receives its own IBAN. The result: 100% reconciliation without manual matching
Instant Refunds
Open Banking APIs are "one-way streets". Our layer enables refunds at the push of a button from the dashboard directly
Embedded Merchant Accounts
We open a technical account for you. All payments land bundled there and are paid out according to your rules (e.g., daily)
How it works?
Pay by Bank works in a fast, intuitive flow your users complete in seconds
1
Choose Pay by Bank
User chooses Pay by Bank at checkout
2
Bank selection
They select their bank from 4,600+ supported banks
3
Payment review
A quick summary lets the user confirm the payment amount
4
Bank authentication
They confirm the payment in their banking app using SCA
5
Payment success
Funds are sent instantly, the user is returned to app or website
Industry solutions
Payments that are smarter, simpler & twice as fast
Fully compliant
Built on PSD2-licensed and regulated open-banking infrastructure, ensuring secure bank connections without extra compliance work for you
European Coverage
One API connects you to 4,600+ banks across Europe, monitored 24/7 for maximum availability
Unbeatable security
By moving from card rails to verified A2A, you reduce transaction fees and settlement latency
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