Real-time transactions
Where supported, receive timely status updates that help you fulfil orders with confidence.
Open Banking
Bank payments with modern merchant ergonomics
Account-to-account payments combine strong customer authentication with direct bank rails—useful when you want speed, clarity, and a different cost profile than traditional card networks.
Overview
Open banking payments let customers authorise transfers from their bank account within a regulated, familiar interface. For merchants, that can mean faster confirmation, fewer chargebacks in certain models, and reconciliation that aligns closely with bank reality.
BergoPay designs these flows to be understandable in the checkout, predictable in your back office, and adaptable as regulation and bank coverage evolve.
Features & benefits
PSD2 compliant payment flows
Journeys structured around strong customer authentication expectations in European contexts.
Lower costs in the right use cases
Bank-led economics can reduce network fees relative to cards—especially for suitable ticket sizes.
Fewer chargebacks
Many A2A models shift dispute dynamics compared with card chargeback frameworks—valuable for specific verticals.
Faster settlement & reconciliation
Align payment events with bank records to shorten month-end workflows.
Direct bank payments
Customers stay within trusted bank experiences while you retain a clean merchant integration.
Use cases
Invoice and B2B checkout
When purchasers prefer bank transfer semantics with modern authentication and tracking.
High-trust retail moments
Shoppers who hesitate on cards may proceed when the authorisation happens in their banking app.
Wallet top-ups & account funding
Direct bank movement can be simpler than card provisioning for some customer segments.
Cost-sensitive ticket sizes
Where interchange stacks up, A2A can preserve margin without sacrificing completion.
Merchant outcomes
Why merchants add open banking
Open banking is rarely an “instead of cards” story—it is a portfolio decision. BergoPay helps you place it where economics, trust, and operational fit align.
Open banking payments and real-time payment infrastructure
Open banking payments enable account-to-account payments authorised through a customer’s bank—often with strong authentication. For merchants, that can translate into efficient bank payments for merchants with transparent statuses and reconciliation that mirrors underlying bank movements.
PSD2 payment solutions
BergoPay approaches PSD2 payment solutions as product flows, not checklists: clear shopper messaging, predictable error handling, and operational telemetry your teams can act on. When evaluating partners, ask how edge cases are surfaced in APIs and how coverage is communicated as banks update interfaces.
Complement cards and APMs
Most successful programmes combine rails. Pair open banking with card acquiring for ubiquity and with alternative payment methods where local wallets dominate. Contact BergoPay to model a balanced portfolio for your funnel.
See if open banking fits your checkout
Share your markets, AOV, and current payment mix—we will give a candid recommendation.