Fintecture vs Pay by Bank from allpay
Fintecture
fintecture.comPay by Bank from allpay
allpay.netSide by side
| Figure | Fintecture | Pay by Bank from allpay |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | — |
| Plans published | 2 | 0 |
| Spec score · Open Banking Payment Platforms | 7.3 (#11) | 7.4 (#10) |
| Company history | Fintecture says it launched its first Open Banking transfers in 2020 after more than two years of research and development. | allpay’s company history says it was established as Financial Collection Services Ltd in 1994. |
| Integrations | The maker lists CMS integrations including Shopify, PrestaShop, WordPress/WooCommerce, Magento and Oasis, and offers API integration for websites, mobile applications and business tools. | 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. |
| Security | Fintecture says data is encrypted and its servers are hosted in a secure EU data center. | Customers authorise each payment directly through their bank, so the organisation does not handle sensitive account details. |
| Support | Fintecture advertises expert assistance and premium support, and its console help article says users can contact support through the chatbot. | The Pay by Bank page directs organisations to contact the sales team and links to the allpay Help Centre for support. |
| What it does | Fintecture provides bank-transfer payment solutions for businesses, including Immediate Transfer, Smart Transfer and Verified Disbursement. | Pay by Bank lets customers pay directly from their bank account using Open Banking, without entering card details. |
Plans
In their own words
Fintecture
Fintecture has no write-up on Specifiction yet; its figures are above.
Pay by Bank from allpay
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.