Tech riderRev. 20 Sept 2026

Pay by Bank from allpay

Ch 046.9of 22Open Banking Payment Platforms

1Runs onAndroid, iOS, Web
2Bank authenticationredirect
3Settlement speedinstant

3 lines stated Written from the maker's own pages: allpay.net

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Overview

Pay by Bank from allpay lets customers pay an organisation directly from a bank account using Open Banking, without entering card details. At checkout, the customer chooses the option, selects a bank, and authorises payment in a banking app or online banking; confirmation arrives near instantly. The organisation does not handle sensitive account details because authorisation takes place through the customer’s bank. The service is intended for housing associations, local authorities, rent and income collection teams, utilities, billing organisations, and organisations handling high-volume regular payments. allpay says bypassing traditional card networks can lower processing costs, while avoiding expired cards, incorrect entries, and manual input may help reduce failed or abandoned transactions. The rollout is starting with the allpayments app and online payment journeys using hosted payment pages. Gateway Plus support is marked as coming soon, with no date specified. Pricing is on request. Platforms listed are Android, iOS, and web. allpay describes the method as FCA-regulated and states that it complies with PCI DSS.

Who it is for

It is aimed at organisations collecting rent, bills, or other regular payments, especially at high volume. The listed rollout covers the allpayments app and hosted payment pages, while Gateway Plus is still marked as coming soon.

What is good

Customers authorise payment through their bank.
The organisation does not handle sensitive account details.
Confirmation arrives near instantly.
Web, Android, and iOS platforms are listed.

What to know first

Pricing is on request.
Gateway Plus support is marked as coming soon.
The product page gives no transaction rate.

Verdict

Pay by Bank offers an account-to-account route that avoids card entry and puts authorisation in the customer’s banking channel. Organisations should confirm pricing and the availability of their intended integration with allpay.

Compared on open banking payment platforms

Bank authentication: redirectallpay.net
Settlement speed: instantallpay.net

Facts

What it does: Pay by Bank lets customers pay directly from their bank account using Open Banking, without entering card details.allpay.net · 7 Oct 2026
Payment flow: Customers choose Pay by Bank at checkout, select their bank, authorise payment through their banking app or online banking, and receive confirmation near instantly.allpay.net · 7 Oct 2026
Account details: Customers authorise payments through their bank, so the organisation does not handle sensitive account details.allpay.net · 7 Oct 2026
Transaction costs: The page says bypassing traditional card networks helps lower processing costs, but does not list a price or rate.allpay.net · 7 Oct 2026
Payment success: The product is intended to reduce failed and abandoned transactions by removing expired card details, incorrect entries, and manual input.allpay.net · 7 Oct 2026
Integrations: The page says Pay by Bank is rolling out across allpay’s digital platforms, starting with the allpayments app and online payment journeys using hosted payment pages; Gateway Plus is marked as coming soon.allpay.net · 7 Oct 2026
Who it serves: The page highlights housing associations, local authorities, income collection and rent teams, utilities, billing organisations, and organisations managing high-volume regular payments.allpay.net · 7 Oct 2026
Security and regulation: allpay’s launch announcement describes Pay by Bank as a secure, FCA-regulated payment method and says customers authorise payments in their banking app without sharing bank details with the organisation.allpay.net · 7 Oct 2026
Company security: allpay states that it is fully compliant with the Payment Card Industry Data Security Standard (PCI DSS).allpay.net · 7 Oct 2026
Support: The Pay by Bank page directs organisations to contact the sales team and links to the allpay Help Centre for support.allpay.net · 7 Oct 2026
Availability: The page says Gateway Plus support for Pay by Bank is coming soon; it does not give a date.allpay.net · 7 Oct 2026
Company history: allpay’s company history says it was established as Financial Collection Services Ltd in 1994.allpay.net · 7 Oct 2026
Account-to-account: The solution uses account-to-account payment technology as an alternative to traditional card payments.allpay.net · 7 Oct 2026
Cost: Allpay says Pay by Bank removes the need for traditional card networks and helps lower processing costs, but does not list a price on the product page.allpay.net · 7 Oct 2026
Failed payments: Allpay says avoiding expired cards, incorrect details, and manual entry errors can help reduce failed and abandoned transactions.allpay.net · 7 Oct 2026
Security: Customers authorise each payment directly through their bank, so the organisation does not handle sensitive account details.allpay.net · 7 Oct 2026
Integration: Allpay says Pay by Bank is being rolled out through the allpayments app and online journeys based on hosted payment pages, with Gateway Plus marked as coming soon.allpay.net · 7 Oct 2026
Target organisations: The page describes use cases for housing associations, local authorities, rent and income collection teams, utilities, billing organisations, and organisations handling high-volume regular payments.allpay.net · 7 Oct 2026
Availability context: Allpay’s product announcement says the service supports consistent payment journeys across web, mobile, and assisted payment channels.allpay.net · 7 Oct 2026
Company security standards: Allpay says it adheres to ISO 9001, ISO 14001, ISO 27001, ISO 45001, and ISO 50001 standards and is a Level 1 PCI DSS compliant organisation.allpay.net · 7 Oct 2026
Company scale: Allpay’s May 2026 announcement says its platform supports 5.5 million end users and processes over 90 million transactions each year.allpay.net · 7 Oct 2026