Training Example: Access PaySuite – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H1]
Payments.
In Full.

If you’re juggling providers, reconciling across dashboards, and manually stitching reports together, you’re working too hard. Simplify how you get paid, and unify your work flow in one connected solution.

See how it works

Explore pricing

Trustpilot

[H2]
Your complete
payments platform

Access PaySuite brings Direct Debit, Card Payments and Pay by Bank together in a single, integrated platform. See everything in one place, manage customer payments with ease, and reduce the admin that slows your business down.
Direct Debit
Automate recurring payments with predictable cash flow and flexible collection rules.
Card Payments
Take secure debit and credit card payments online, over the phone or through your CRM.
Pay by Bank
Let customers pay directly from their bank app. Fast, secure and cost‑effective.

Play video

[IMG: Asda]

[H2]
Why choose Access PaySuite?

[H3]
One platform for all payments

Access and manage customer transactions from one AI powered dashboard. No more juggling multiple portals.

[H3]
Faster workflows, less admin

Integrate payments directly into your existing systems and eliminate manual reconciliation.

[H3]
Flexible for your customers

Offer multiple payment options so customers can choose what works for them.

[H3]
Support you can trust

Trusted across 82 million+ transactions, you get proven reliability with customer‑focused support.

[H2] Trusted by businesses across the UK

[IMG: Trustpilot Rating 5 Star]

[H3] Excellent Customer Service

We were in a bit of a pickle, to finding ourselves off the ball from a company governance perspective.
Nothing was too much trouble and Bianca reall…

Andy Hayward, 2 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Bianca has gone up and above what is…

Bianca has gone up and above what is expected from customer services. Over the last few days she has given training and resolved issues to take me to…

Andrew Ramsden, 2 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Helpful response.

After going round in circles for what seemed like ages, now I've got in touch with Bianca she's been extremely helpful and efficient and I'm finally …

Ann Morgan, 8 days ago

[IMG: Trustpilot Rating 4 Star]

[H3] Finally had a human being to talk to…

Finally had a human being to talk to who took our issue seriously and helped re-establish acces to our portals. Als took note of the really poor diff…

Jules, 9 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Excellent Service from their Direct…

Excellent Service from their Direct Debit service, we use an integration through the Rest API which was really easy to set-up. All documentation is c…

José Carlos De Oliveira Escalo, 18 days ago

[IMG: Trustpilot 4.5 stars]

4.6 out of 5.
See all 364 reviews on

[H2]
Getting paid. Made simple.
Choose the right setup for your payments.

Explore pricing

[H2] All your payment solutions in one place

[H2] View all of our products here.

[H4]
Direct Debit

[H4]
Online Payments

[H4]
Open Banking Payments

[H4]
Phone Payments

[H2] Built to power better payments

Boost efficiency

Payment intelligence

Continuous Payments

[H3] Work smarter with one unified interface

Say goodbye to the complexity of managing separate payment platforms. With Access PaySuite, everything lives in one place, from customer records to payment status and reporting.
Reduce admin time with payments, customer details and reporting accessible from a single dashboard.
Cut out manual processes with seamlessly connected workflows across Direct Debit, cards and Pay by Bank.
Speed up daily tasks with a consistent interface your whole team can use.

[H3] Turn payment data into decisions

Use AI‑powered insights to understand customer behaviour, spot failed‑payment patterns and forecast revenue.
Unified reporting means you can instantly analyse Direct Debit, card payments and Pay by Bank in one view, just search in natural language.
Identify trends and risks early with AI‑driven insights into customer payment behaviours.
Improve cash flow forecasting with predictive analytics powered by unified data.
Track your business against industry benchmarks and explore payment risk insights.

[H3] Keep payments flowing

Payment outages are becoming more common, and even short disruptions can hit cash flow and customer trust.
Improve payment success rates by offering customers their preferred method.  Direct Debit, cards or Pay by Bank, all intelligently orchestrated within one platform.
Stay operational with a reliable fallback route that keeps Direct Debit collections running through provider downtime.
Maintain predictable cash flow with fewer failed payments and less reconciliation or support follow‑up afterwards.

[H2]
Giving our customers the freedom to do more

We chose Access Group because of their proven expertise in telecommunications. Their track record demonstrated they understood the unique challenges of our industry, making them the ideal strategic partner.
Read case study

Mark Taylor - Commercial & Proposition Manager
ASDA Mobile

As the largest NHS trust in England, we are committed to providing high-quality healthcare services, and Access PaySuite (formerly Pay360) has played a significant role in supporting our payment processes and security measures over the last 20 years.
Read case study

Joanna Garside - Chief Cashier
Manchester University NHS Foundation Trust

From start to finish, Access PaySuite have understood our business and delivered what we needed from a Direct Debit collection company. Critically, we needed to know they took data security and reliability as seriously as us. They’ve lived up to that at every stage.
Read case study

Paul Williams - Chief Executive
Ripe Insurance

[H2] AI and the hidden revenue gap

Revenue is leaking through failures, friction and abandoned journeys and most SMEs don’t see it happening. AI exposes where the gaps are and how to close them. Explore expert insights and real‑world strategies to protect your revenue.
Failed payments that aren’t recovered
Abandoned onboarding, renewal and checkout journeys
Churn triggered by payment friction

Learn more

Play video

[H2] Built to integrate.

Whether used on its own or connected to your wider finance and business systems, Access PaySuite helps you streamline payments and simplify your workflow. Reduce manual effort, improve oversight, and keep everything working together.
View all of our Direct Debit integrations.

[H2]
Take control of your payments today.See the platform in action.

Book a demo

[H2] Latest articles

Stay informed with the latest insights and resources to streamline your business payments.
View all

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Unlocking Growth and Cost Savings in the UK Fitness Industry

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Checkout optimisation checklist: 12 practical fixes to reduce cart abandonment

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How health and wellbeing businesses can cut costs and drive growth

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How CCHA modernised payments and gave tenants more ways to pay

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How UK membership businesses can protect cashflow

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Posted 27 April 2026

Integrated payments for better cashflow and efficiency

Read more

Posted 23 April 2026

Flexibility, not complexity: Transforming customer payment experience in the UK

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Posted 22 April 2026

9 steps to smoother Direct Debits

Read more

Posted 22 April 2026

A smart guide to switching your payment service provider

Read more

Posted 15 April 2026

What is a subscription business model and how does it work?

Read more

[H1] Get a pricing estimate for our payment solutions

[H4] Simple, flexible pricing for UK-based businesses, tailored to your needs.
We know that every business has different needs, and that includes how you take and send payments. That’s why we offer flexible pricing based on your payment volumes, industry, and the features you need. Just tell us a bit about your business and we’ll be in touch with a tailored quote.

Get a quote

[H2] Choose the right payment pricing plan for your business

From startups to enterprises – flexible plans with powerful features to match your business needs.

Direct debit
[H4] From

8

pence

per transaction

Request quote

Automated payment collection

Scalable solution from SMBs to large enterprises

Ensures compliance with public sector standards and regulations

Start collecting payments quickly and reliably

Seamless integration with existing systems

Payment gateway
[H4] From

£25

per month

Request quote

Flexible digital payment package

Suitable for small businesses to large enterprises

Scales from 350 transactions to enterprise-level needs

Support for Visa, PayPal, ApplePay and international options

Advanced fraud protection

24/7 support with dedicated account management

Other payment solutions
[H4] From

Bespoke

Request quote

Comprehensive payment ecosystem

Open banking

Multi-channel payment processing

Face-to-face and Phone payments

Digital wallets and Mobile payments

Income management solutions

[H2] Why our pricing works for you

We tailor every quote to fit your goals and operations. No hidden fees, no one-size-fits-all.

[H3]
Accept payments your way

Get pricing that reflects the payment methods you need, no extras, no limitations.

[H3]
Grow without limits

Pricing scales with your volume, as you grow, your rates can improve too.

[H3]
Seamless integration

We support your preferred APIs, terminals, or apps for quick and easy setup.

[H3]
Scalable support

Choose the level of help your team needs, nothing more, nothing less.

[H2] Trusted by businesses across the UK

[IMG: Trustpilot Rating 5 Star]

[H3] Excellent Customer Service

We were in a bit of a pickle, to finding ourselves off the ball from a company governance perspective.
Nothing was too much trouble and Bianca reall…

Andy Hayward, 2 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Bianca has gone up and above what is…

Bianca has gone up and above what is expected from customer services. Over the last few days she has given training and resolved issues to take me to…

Andrew Ramsden, 2 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Helpful response.

After going round in circles for what seemed like ages, now I've got in touch with Bianca she's been extremely helpful and efficient and I'm finally …

Ann Morgan, 8 days ago

[IMG: Trustpilot Rating 4 Star]

[H3] Finally had a human being to talk to…

Finally had a human being to talk to who took our issue seriously and helped re-establish acces to our portals. Als took note of the really poor diff…

Jules, 9 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Excellent Service from their Direct…

Excellent Service from their Direct Debit service, we use an integration through the Rest API which was really easy to set-up. All documentation is c…

José Carlos De Oliveira Escalo, 18 days ago

[IMG: Trustpilot 4.5 stars]

4.6 out of 5.
See all 364 reviews on

[H2] What to expect

Once you submit your form:
A member of our team will contact you to learn more about your setup.
We'll provide a tailored quote based on your needs.
You'll get clear, transparent pricing - with no hidden fees.

[H2]
Competitive pricing, one supplier.
Get your free custom quote now.

Request quote

[H3] How much does Access PaySuite cost?

Access PaySuite uses a tailored pricing model based on your business needs, including payment methods, transaction volumes, and required features. There’s no fixed price list, instead you’ll receive a custom quote designed around your setup, with clear, transparent pricing and no hidden fees.

[H3] Are there any setup fees?

Access PaySuite pricing is designed to be simple and transparent, with no hidden fees built into your quote. Implementation is flexible, with a range of integration options including APIs and hosted payment pages, so you can get started quickly and adapt the setup to your business needs.

[H3] What payment methods does Access PaySuite support?

Access PaySuite brings multiple payment types together in one platform, including Direct Debit, card payments, and Pay by Bank. This allows you to manage recurring payments, one-off transactions, and bank transfers in a single system, with full visibility across all payment activity.

[H3] Does pricing scale as my business grows?

Yes. Pricing is designed to scale with your business, meaning your costs can adjust as your transaction volumes increase. As you grow, your pricing structure can evolve to reflect higher volumes and changing requirements.

[H3] What systems does Access PaySuite integrate with?

Access PaySuite integrates with a wide range of business software including Xero, Salesforce, Magento, WooCommerce, Zapier and more, via APIs, SDKs, and plug-and-play options. UK-based implementation support is included from initial setup through to go-live, following a structured onboarding process tailored to each client.

[H3] Who is Access PaySuite best suited to?

Access PaySuite is designed for UK businesses, charities, and public-sector organisations that need to manage payments efficiently at scale. It’s particularly well suited to organisations that rely on recurring payments, where improving cash flow, reducing failed payments, and automating collections are key priorities.

[H1]
Direct Debit
Payment collection services

Take control with flexible Direct Debit. Change payment dates, adjust amounts, and manage schedules without cancelling mandates or disrupting customer relationships. Lower transaction costs. Greater operational control. Full visibility in one platform. Designed for any business where predictable cash flow matters.

View product demo

Explore our pricing options

Trustpilot

[IMG: Asda]

[H2] Recurring revenue without recurring headaches

01

04

[H3]
Sign up

Get started in days, not weeks. No complex setup.

02

04

[H3]
Set up mandates

Fast and compliant Direct Debit setup for business, whether you're collecting from customers, members or service users.

03

04

[H3]
Automate collections

Reduce admin and improve cash flow instantly.

04

04

[H3]
Manage

Monitor and manage all transactions through our intuitive dashboard.

[H2] What are the benefits of Access PaySuite Direct Debit

[H3]
Payment success rates of 98%

Cut failed payments and protect cash flow with automated retries and real-time insight into success rates.
Ideal for recurring revenue.
Keep collections predictable and hassle-free.

[H3]
Flexible payments

Make payments easy for every customer. Enable online, phone based, or paperless Direct Debit signup, all included as standard with no premium add‑ons.
Offer payment accessibility.
Reduce admin effort.
Improve conversion rates.

[H3]
Real‑time reporting

Get the clarity you need to run your finances confidently.
Track payment volumes, trends, historical comparisons and collection success rates.
Schedule automated reports or generate on demand.
Accurate forecasting for informed decision‑making.

[H3]
Payment retries

Keep taking payments during outages with a reliable fallback method that protects cash flow and prevents customer disruption.
Modify payment dates without cancelling mandates
Unlimited schedule edits
Fine‑tune payment amounts with ease

[H2] Revenue. On your terms.

Update payment dates, fine‑tune amounts, and adapt schedules without ending mandates or interrupting the customer experience.
Lower cost models vs % pricing structures
Built for subscription and recurring businesses
Gain complete visibility from a single platform

[H2] Rated Excellent for payment solutions

[IMG: Trustpilot Rating 5 Star]

[H3] Excellent Customer Service

We were in a bit of a pickle, to finding ourselves off the ball from a company governance perspective.
Nothing was too much trouble and Bianca reall…

Andy Hayward, 2 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Bianca has gone up and above what is…

Bianca has gone up and above what is expected from customer services. Over the last few days she has given training and resolved issues to take me to…

Andrew Ramsden, 2 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Helpful response.

After going round in circles for what seemed like ages, now I've got in touch with Bianca she's been extremely helpful and efficient and I'm finally …

Ann Morgan, 8 days ago

[IMG: Trustpilot Rating 4 Star]

[H3] Finally had a human being to talk to…

Finally had a human being to talk to who took our issue seriously and helped re-establish acces to our portals. Als took note of the really poor diff…

Jules, 9 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Excellent Service from their Direct…

Excellent Service from their Direct Debit service, we use an integration through the Rest API which was really easy to set-up. All documentation is c…

José Carlos De Oliveira Escalo, 18 days ago

[IMG: Trustpilot 4.5 stars]

4.6 out of 5.
See all 364 reviews on

[H2]
Direct Debit pricing made simple.Find the right plan for you.

Discover our pricing options

[H2] Streamline payments with your reliable Direct Debit provider

Payment flexibility 

Customer experience 

Compliance

Automations

[H3] Unmatched flexibility for full control

Unmatched flexibility for full control.
Change collection dates instantly, no cancellations required.
Make unlimited schedule changes with no caps or restrictions.
Switch customers from monthly to quarterly payments seamlessly.

[H3] Enhance customer trust with seamless Direct Debit payment experience

Deliver professional and compliant payments that reflect your organisation’s identity while improving efficiency for your team.
Branded signup pages for a seamless customer journey.
Real‑time notifications and clear communication.
Configurable dashboards to tailor views for your team.
Insights that support better decisions and financial control.

[H3] Secure and compliant Direct Debit collection services

Access PaySuite meets FCA, Bacs and ISO 27001 standards, giving you secure, compliant Direct Debit management from the start. Includes industry‑standard encryption and controlled access permissions. Designed for regulated sectors like insurance and finance, our platform includes:
Risk screening at onboarding.
Full audit visibility.
A proven compliance track record.

[H3] Take Direct Debit automation further

Managing recurring payments shouldn’t slow you down. With our Zapier integration, you can connect Access PaySuite to thousands of business apps and automate the tasks that matter most, without writing a single line of code.
CRM updates: Sync payer details to HubSpot or Salesforce without manual entry
Accounting sync: Post Direct Debit payment data to Xero or QuickBooks for faster reconciliation and accurate financial reporting
Email alerts: Notify customers of mandate changes or payment confirmations
Slack notifications: Alert your team instantly when a Direct Debit payment fails
Google Sheets reporting: Log successful collections automatically for quick analysis

[H2]
Enhance your Direct Debit capabilities with extra services

SEPA Direct Debit

Collect recurring payments across EuropeEasily manage SEPA Direct Debit collections across 36 countries, improving cash flow predictability and simplifying international payments.

View SEPA Direct Debit

Direct Debit bureau service

Automate collections with your own SUNTake control of your collections using your own Service User Number (SUN). Submit files securely through our Bureau platform with access to real-time insights.

View Direct Debit bureau service

Facilities Managed Direct Debit

Outsource Direct Debit with full supportNo SUN? No problem. We’ll obtain one for you and manage the entire process, from submission to reconciliation on your behalf.

View Managed Service

Direct File Submission

Fast, secure access to BacsConnect directly to Bacs for faster payment submissions and reliable processing of recurring Direct Debit collections.

View Direct File Submission

Direct Credit Payments

Pay staff and suppliers on timeMake secure, automated payments to employees and suppliers via Bacs using our Direct Credit service, fully integrated and easy to manage.

View Direct Credit Service

[H2]
Giving our customers the freedom to do more

We chose Access Group because of their proven expertise in telecommunications. Their track record demonstrated they understood the unique challenges of our industry, making them the ideal strategic partner.
Read case study

Mark Taylor - Commercial and Proposition Manager
ASDA Mobile

Working with Access PaySuite has helped enhance the service we offer for our customers and our operational efficiency. Their quick and reliable payment processing service enables us to provide customers with a more efficient refund process, as well as being able to resolve customer queries more quickly. This move has been a welcome development as part of our ongoing commitment to continually improve the service we provide for our customers.

Daniel Hutchinson - Product Analyst
Eon

Being able to integrate directly with Access thankQ and have the data go back and forth automatically was a big bonus for my team – in supporter care, Direct Debit care is a really important element for us. And we know too that Access PaySuite can help with more, such as the supporter journey, which is something our team is keen to develop
Read case study

Joe Campbell - Supporter Care Manager
Samaritans

[H2] AI and the hidden revenue gap

Revenue is leaking through failures, friction and abandoned journeys and most SMEs don’t see it happening. AI exposes where the gaps are and how to close them. Explore expert insights and real‑world strategies to protect your revenue.
Failed payments that aren’t recovered
Abandoned onboarding, renewal and checkout journeys
Churn triggered by payment friction

Learn more

Play video

[H2] Built to integrate.

Whether used on its own or connected to your wider finance and business systems, Access PaySuite helps you streamline payments and simplify your workflow. Reduce manual effort, improve oversight, and keep everything working together.
View all of our Direct Debit integrations.

[H2] All your payment solutions in one place

[H2] View all of our products here.

[H4]
Online Payments

[H4]
Identification and Verification

[H4]
Phone Payments

[H4]
Multi-channel Payments

[H3] What is a Direct Debit payment?

A Direct Debit is a simple, easy and safe way for your customers to set up and make regular and occasional payments to your business or organisation.
It works by a customer giving permission to a business or organisation to take money from their bank account by submitting their account number and sort code.
You’ll need to provide the customer with the amount they will be paying and when the money will be collected - before any payment is taken from their account.
Money is collected from their account automatically and if there are any changes to when it’s going to be collected or the amount, you will need to notify them before it happens.
Direct Debit is the most established payment in the UK for regular payments. Over 50% of bills are paid by Direct Debit and at least 9 out of 10 adults have at least one Direct Debit.
Learn more about what is a Direct Debit.

[H3] What is a Direct Debit service provider?

A Direct Debit service provider is an organisation that is a specialist in handling online payments and money transfers. Usually called a Direct Debit bureau, they are experts in optimising your Direct Debit payments, conversions and minimising any payment failures.
Like Access PaySuite, they take care of all the manual work involved in making submissions to Bacs on your behalf. They usually have APIs that allow Direct Debit payments to be connected to software to automate business processes to free up time within your finance teams.

[H3] How do I set up Direct Debit for my business?

For any business looking to offer Direct Debit payments to customers, you have to have access to the Direct Debit Scheme which is owned and operated by Pay.UK.
There are two ways to get set up on the Direct Debit Scheme, either doing it yourself or via a third-party Direct Debit bureau.
[H3] 1. Managing Direct Debits in-house:
This is usually for larger organisations who want to manage it themselves entirely, i.e. direct access, also known as becoming a direct submitter.
The first step would be to obtain a Service User Number (SUN) from your bank. This involves completing a series of forms which then the bank evaluates if your business is eligible for the Direct Debit scheme.
It can take several weeks for your bank to approve you as a direct submitter. You then need to develop or purchase the software to make the Direct Debit payments; as well as have the in-house knowledge to provide the right information to Bacs so payments are made accurately and on time.
[H3] 2. Direct Debit outsourcing
A Direct Debit bureau looks after the submissions of your Direct Debit payments to Bacs. Some bureaus, like Access PaySuite, provide you with a webpage that lets you set up Direct Debits online or over the phone, as well as via paper.
However in the main bureaus are there to remove the manual processes, as all payments are automatically collected and submitted to Bacs without you needing to be involved.
[H3] There are two options for managing your Direct Debits via a bureau:
Your own assigned SUN: This means that your name will show up on your customer bank statements, reducing any unnecessary cancellations.
Making use of the bureau’s SUN: Direct Debit payments can be set quickly, however, your customers will see the bureau’s name on their statements, rather than yours.

[H3] How do Direct Debit collections work?

To start collecting Direct Debit payments, your customer provides you with a Direct Debit Mandate or Direct Debit Instruction (DDI). This authorizes you to collect payments from them at any

[H1]
Pay by Bank
Instant, secure open banking payments

Increase conversions with secure, low-cost open banking payment solutions. Access PaySuite’s Pay by Bank enables instant bank-to-bank payments, reducing card fees and eliminating checkout friction when preferred payment methods aren’t available. Seamlessly integrate open banking payments alongside cards and Direct Debit to capture more revenue and improve payment success rates.

Contact us

Trustpilot

[H3]
Our payment solutions are trusted by leading organisations and businesses

[H2] Business benefits of offering Pay by Bank

[H3]
Low payment costs

Open banking payments let customers pay direct from their bank account, so you can reduce card processing costs while improving payment acceptance.
Eliminates card scheme fees
No interchange
No chargebacks
Fewer payment failure costs

[H3]
Better cash flow

Pay by Bank clears in real time, helping UK businesses improve cash flow and confidently take payments for high-value and time-sensitive purchases.
Real-time bank-to-bank payments
Ideal for deposits, booking, and high-value baskets
Faster reconciliation and reporting

[H3]
Reduce fraud

Customers authenticate in their banking app using bank-level security and Strong Customer Authentication (SCA), helping lower fraud risk versus traditional card payments.
No card data stored
Fewer fraud vectors
Reduced PCI burden

[H3]
Flexible integration

Add open banking payment solutions without ripping out your current stack. Use Pay by Bank as a primary payment method or alongside cards and Direct Debit to reduce abandonment.
Works alongside cards and Direct Debit
Secure APIs and developer-friendly integration
Customisable checkout and branding

[H2] Trusted by businesses across the UK

[IMG: Trustpilot Rating 5 Star]

[H3] Excellent Customer Service

We were in a bit of a pickle, to finding ourselves off the ball from a company governance perspective.
Nothing was too much trouble and Bianca reall…

Andy Hayward, 2 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Bianca has gone up and above what is…

Bianca has gone up and above what is expected from customer services. Over the last few days she has given training and resolved issues to take me to…

Andrew Ramsden, 2 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Helpful response.

After going round in circles for what seemed like ages, now I've got in touch with Bianca she's been extremely helpful and efficient and I'm finally …

Ann Morgan, 8 days ago

[IMG: Trustpilot Rating 4 Star]

[H3] Finally had a human being to talk to…

Finally had a human being to talk to who took our issue seriously and helped re-establish acces to our portals. Als took note of the really poor diff…

Jules, 9 days ago

[IMG: Trustpilot Rating 5 Star]

[H3] Excellent Service from their Direct…

Excellent Service from their Direct Debit service, we use an integration through the Rest API which was really easy to set-up. All documentation is c…

José Carlos De Oliveira Escalo, 18 days ago

[IMG: Trustpilot 4.5 stars]

4.6 out of 5.
See all 364 reviews on

[H2]
Looking for a trusted payment provider?
Talk to our team about Pay by Bank solutions

Contact us

[H2] Design your Pay by Bank checkout for maximum conversion

Play Video

[H2] Limited payment options are costing you revenue

Customers abandon checkout when they can’t pay the way they prefer. That’s not a UX issue, it’s measurable lost revenue. Nearly 45% of consumers walk away when their preferred payment method isn’t available, and the impact is even higher with growth audiences: 65% of Gen Z and 61% of Millennials abandon when payment choice is limited.
35% will switch to a competitor that offers the payment method they want
31% won’t return after a poor payment experience
For businesses, that means:
Lower conversion and more abandoned checkouts
Lost revenue and higher acquisition costs
Reduced lifetime value, and a widening gap between customer expectations and your payment experience
Modern buyers won’t adapt to payment limitations. Your business needs payment choices that perform, including open banking payments.

[H2]
Open banking adoption is accelerating fast

[H4]
m

payments per month

[H4]
m

active users in the UK

[H4]
m

open banking payments in 2025

[H4]
%

Open banking year on year growth

[H2] A smarter open banking payment solution

Instant settlement and predictable cash flow

Lower payment costs and protected margins

Reduce fraud risk and eliminate chargebacks

Increase payment conversion

[H3]

Open banking payments enable instant bank-to-bank settlement, giving your business immediate confirmation and faster access to funds. Unlike card payments, which can take days to settle, Pay by Bank improves cash flow predictability and reduces operational delays.
Instant payment confirmation at checkout
Real-time bank-to-bank settlement
Improved cash flow visibility and forecasting
Faster fulfilment and reduced reconciliation delays

[H3]

PaySuite’s open banking payment solution reduces your reliance on expensive card networks by enabling direct account-to-account payments. This lowers transaction fees and helps protect your margins as your business grows.
No card scheme or interchange fees
Lower cost than traditional card payments
Reduce overall payment processing expenses
Improve profitability without disrupting existing payment methods

[H3]

Open banking payments use secure bank authentication, meaning customers approve transactions directly with their bank. This removes card data entirely and eliminates chargebacks, reducing fraud risk and operational overhead.
Strong Customer Authentication (SCA) built in
No card details stored or exposed
Eliminate chargebacks and disputes
Reduce fraud risk compared to card payments

[H3]

PaySuite’s Pay by Bank delivers a fast, mobile-optimised checkout experience that aligns with modern customer expectations. By offering open banking payments alongside cards and Direct Debit, you increase payment acceptance and reduce abandonment.
Faster checkout with fewer steps
Optimised for mobile and digital-native users
Reduce checkout abandonment
Increase conversion and customer satisfaction

[H2]
Giving our customers the freedom to do more

Our partnership with Access enabled us to integrate open banking solutions that streamline transactions, ensuring payments are reflected in real-time on our customers' accounts. This shift not only enhances convenience, but also improves security, allowing our customers to complete their payment journeys effortlessly, whether through our contact centre or via bespoke payment links. The result is a straightforward, secure payment experience that aligns with modern expectations, making payments as simple as a click or a tap.

Rob Jeffreys - Head of Income
Karbon Homes

[H2] How Pay by Bank works

01

03

[H3]
Choose Pay by Bank at checkout

Customer action: They select Pay by Bank.
The customer is shown a trusted, branded Pay by Bank option, complete with familiar bank logos, so they instantly recognise how they’ll be paying. This reduces hesitation and clearly sets expectations for the next step.

02

03

[H3]
Approve securely in their banking app

Customer action: They’re redirected to their banking app to authenticate the payment.
Customers authenticate using their usual bank security (Face ID, fingerprint or passcode). This keeps the process familiar and secure, without requiring card numbers or billing details.

03

03

[H3]
Payment completes instantly

Customer action: They’re returned to your website/app with immediate confirmation.
The payment settles in real time, improving cashflow for your business and reducing failed payments. Customers complete checkout quickly with zero friction, especially valuable for mobile journeys.

[H2] All your payment solutions in one place

[H2] View all of our products here.

[H4]
Online Payments

[H4]
Identification and Verification

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Phone Payments

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Multi-channel Payments

[H3] Are open banking payments secure?

Yes, open banking uses bank-level security and Strong Customer Authentication (SCA). Because customers authenticate directly with their bank, no card numbers or sensitive details are shared. This makes open banking one of the most fraud-resistant payment methods, with no risk of card data theft or card-not-present fraud.

[H3] How fast are open banking settlements?

Open banking enables instant or near-instant payments, depending on the customer’s bank. You get immediate confirmation that funds are on the way, helping with cash flow and reducing delays commonly seen with card settlements or Direct Debit processing.

[H3] Are open banking payments cheaper than card payments?

Yes. Open banking is a low-cost payment method because:
There are no card scheme or interchange fees
No chargebacks
Fewer failed transactions
No card network intermediaries
This often results in significantly lower merchant payment processing costs.

[H3] Can customers get refunds with open banking?

Absolutely. Refunds can be issued quickly through the Access PaySuite dashboard or API. Because the payment comes directly from a bank account, refunds are fast, traceable and reliable, ideal for online businesses.

[H3] Can open banking be used for recurring or subscription payments?

Yes, particularly for variable or on-demand payments. For fixed recurring billing, businesses often combine open banking with Direct Debit or emerging options like Variable Recurring Payments (VRP). This gives you a flexible and secure way to manage subscriptions.

[H3] What types of businesses are open banking payments suitable for?

Open banking is a great fit for businesses that want fast, secure, low-fee online payments, including:
E-commerce and online retail
Utilities and telecoms
Financial services
Charities and non-profits
Education and public sector
High-value or high-volume payment businesses
Any business that wants faster settlements, better security and lower fees can benefit.

[H3] What happens if a customer’s bank doesn’t support open banking?

If a customer’s bank is unavailable or does not offer open banking, they can seamlessly choose another payment method at checkout. Open banking simply appears as an additional, optional bank payment method.

[H3] Do open banking payments reduce failed or declined transactions?

Yes. Because payments are verified directly with the customer’s bank, open banking avoids common card failure reasons such as:
Expired cards
Lost or stolen cards
Incorrect details
Insufficient card limits
This leads to higher payment approval rates and fewer cart abandonments.

[H3] Is it difficult for merchants to get started with open banking?

No, onboarding is simple. Access PaySuite handles the bank connections, security and compliance requirements for you. You can start accepting open banking payments quickly without needing technical expertise.

[H3] Does open banking work on mobile?

Yes, the experience is fastest on mobile because the customer’s banking app opens automatically.

[H3] Are there chargebacks with open banking?

No, open banking uses authorised bank transfers, so there are no chargebacks.

[H3] Do customers need to download a new app?

No. They simply use their existing banking app to complete the payment.

[H2] Latest articles

Stay informed with the latest insights and resources to streamline your business payments.
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