Open Banking lets customers pay you straight from their bank account in a few taps, approving the payment inside their own banking app. Because no card network is involved there is no chargeback process at all, and eCom Pay adds it to your checkout alongside cards on the same account and settlement.
24 hrs
approval, once documents are in
150+
currencies processed
4.4
Trustpilot rating
2010
processing payments since
On this page Choosing a provider · The integration · Going live · See it working · Once you are live · FAQs
Open Banking is the biggest change to UK checkouts in years, and it rewards businesses that understand three things about how it actually behaves.
Check your approval oddsA card chargeback exists because a card network sits in the middle. A bank transfer has no card network, so there is no chargeback mechanism at all, which changes the economics for businesses that carry dispute risk today.
The customer approves the payment inside their own banking app with face or fingerprint, so strong customer authentication is built into the journey itself rather than bolted on around it, and fraud has very little room to operate.
No card number to type, no expiry date to find, details pre-filled inside the bank. For customers on their phone it is often the fastest way to pay, which is exactly where checkouts lose people today.
Open Banking sits beside cards as a payment option, so every customer pays their preferred way and you collect the benefits on every bank transfer.
The customer chooses pay by bank, picks their bank, and approves the pre-filled payment inside their banking app. No card details typed anywhere.
Bank transfers have no card network behind them, so the chargeback mechanism simply does not exist. Disputes are handled directly, which suits high ticket and dispute-prone sectors especially well.
Face ID, fingerprint or banking app login approves every payment, so strong customer authentication happens naturally inside the journey.
Card network fees do not apply to a bank transfer, which changes the cost shape of accepting payment, particularly on larger transactions.
Open Banking appears as an option at your checkout next to cards and wallets, all through the one eCom Pay integration, so nothing about your existing setup changes.
Bank transfer payments sit in the same dashboard, reporting and settlement as everything else you take, so reconciliation stays simple.
Fair. So here is what UK merchants say after switching to eCom Pay, in their own words.
It was such a pleasure working with eCom Pay for my company, very straightforward to set up and the team were so helpful. No hidden fees, cost efficient, and from using other platforms before I can say this has been the best so far.
Verified merchantvia Trustpilot
We found eCom Pay to be a simple, efficient payment system to integrate, with a lot of support behind it. Would recommend them over competitors who charge far too much.
Verified merchantvia Trustpilot
Great customer service from eCom Pay. Needed a card reader for my business, they had me set up fast and gave me better rates than the last company. Highly recommend.
Verified merchantvia Trustpilot
Super impressed with eCom Pay. The transaction fees are competitive, and I love that my customers have multiple payment options, which has noticeably improved my sales.
Verified merchantvia Trustpilot
Good service from eCom Pay. The card machines are reliable and easy to use. I like that there are no hidden fees and everything is explained upfront.
Verified merchantvia Trustpilot
Would highly recommend. Easy, simple, and always answers when I need help. The best payment gateway I have come across, with a wide variety of packages available.
Verified merchantvia Trustpilot
The application is the start, not the product. This is what running your payments with eCom Pay actually looks like, week to week.
Available 24/7 by phone, WhatsApp or email. One person who knows your account and your mix of card and bank payments.
Every sale that moves from card to bank transfer is a sale that can never become a chargeback, which quietly improves your risk profile month after month.
Bank payments land alongside your card takings in the same reporting, so finance sees one clean picture rather than a second system.
Open Banking shares its account with the gateway, Pay by Link, the virtual terminal, recurring billing and card machines. Switch on what you need as you grow.
Open Banking payment, often shown as pay by bank, lets a customer pay you directly from their bank account. They pick their bank at checkout and approve a pre-filled payment inside their own banking app, with no card involved and the money moving bank to bank.
Yes. The customer approves every payment inside their own banking app using face, fingerprint or their banking login, so strong customer authentication is built into the journey, and payment details are pre-filled so mistyped payments are largely eliminated.
No. Chargebacks are a card network mechanism, and Open Banking payments do not travel over a card network, so no chargeback process exists. Genuine problems are resolved directly between the parties, which is a very different and usually calmer picture than card disputes.
All the major UK banks and most others support Open Banking payments through their apps, so the overwhelming majority of UK customers can pay this way with the phone already in their hand.
The cost structure is different because no card network or interchange sits in the chain, which particularly suits larger transactions. Your specialist will set out the whole picture against your actual mix of payments in plain terms.
High ticket sales, invoice payments, account top ups and any sector where chargebacks bite. It shines wherever the transaction is large enough that authentication, cost and dispute exposure all matter at once.
Adoption grows every year because the journey is genuinely quick, a few taps with nothing to type. Offered alongside cards, a meaningful share of customers choose it, and every one of those payments carries the no-chargeback benefit.
Through your eCom Pay account. It switches on as an additional payment option through the same integration that handles your cards, so there is no second provider, no separate settlement and nothing new to reconcile.
Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
Approved in 24 hours once your documents are in, switched on through your existing integration, settled with the rest of your account.
Reducing disputes is the goal? Read the guide on minimising chargebacks, or explore all online payment solutions.