Introduction to Pay by Bank
As a Revolut Business customer with an active Merchant account, you have the option to accept payments through your e-commerce website using our Pay by Bank widget. This payment method offers customer a secure, and convenient checkout experience allowing them to make payments via bank transfers.
Available banks
The list of available banks may vary at the time of payment and depends on network status.
| Country | Banks | Currency | Supported schemes |
|---|---|---|---|
| Austria (AT) |
| EUR | SEPA Credit Transfers |
| Belgium (BE) |
| EUR | SEPA Credit Transfers SEPA Instant |
| Croatia (HR) |
| EUR | SEPA Credit Transfers |
| Finland (FI) |
| EUR | SEPA Credit Transfers SEPA Instant |
| France (FR) |
| EUR | SEPA Credit Transfers SEPA Instant |
| Germany (DE) |
| EUR | SEPA Credit Transfers SEPA Instant |
| Greece (GR) |
| EUR | SEPA Credit Transfers |
| Ireland (IE) |
| EUR | SEPA Credit Transfers |
| Italy (IT) |
| EUR | SEPA Credit Transfers |
| Lithuania (LT) |
| EUR | SEPA Credit Transfers SEPA Instant |
| Netherlands (NL) |
| EUR | SEPA Credit Transfers SEPA Instant |
| Portugal (PT) |
| EUR | SEPA Credit Transfers SEPA Instant |
| Spain (ES) |
| EUR | SEPA Credit Transfers SEPA Instant |
| United Kingdom (GB) |
| GBP | Faster Payments |
Why offer Pay by Bank solutions?
Pay by Bank brings a host of merchant and customer benefits, building on the strengths of open banking and real-time bank transfers:
- Direct bank transfers: Customers pay straight from their bank account—no card numbers to enter—using their familiar online or mobile banking app.
- Improved conversion rates: Streamlined flow—no long forms or manual entry—means fewer drop-offs at checkout.
- Seamless, branded experience: The embedded Pay by Bank modal keeps customers on your site, maintaining trust and reducing context-switch friction.
- Future-proof payments: As open banking adoption grows, enabling bank-to-bank payments positions you ahead of the curve for emerging payment rails.
Why choose Revolut?
- Receive the money in your bank account in 24 hours. Fast and easy settlement ensures a steady cash flow.
- Accept and settle payments in 25+ currencies. Hold the original currency in your Revolut Business account until you decide to spend or convert it.
- We offer low and transparent fees. We charge you only per successfully processed transaction.
Our solutions
To cater to the diverse needs of merchants, we provide the following solutions for accepting payments via Pay by Bank.
No-code plugins
For popular e-commerce platforms, our no-code solutions enable you to integrate Pay by Bank in just minutes. Find detailed information and get started with our plugins on the Plugins and integrations page.
Web integration
You can embed the Pay by Bank widget on your website using our web SDK to give your customers a quick, seamless online checkout experience directly via bank transfer.
Before implementing Pay by Bank, be aware of the following:
- No sandbox environment: Pay by Bank is not available in the sandbox environment. Real transactions must be made to test your implementation in the production environment.
- No refund support: Pay by Bank does not support refunds through the Merchant API. If you need to refund a payment, you must process it through alternate channels outside of Revolut's payment system.
- Pricing restrictions: Pay by Bank is not available for merchants on unblended pricing plans.