Account-to-account payments. Instant. Irrevocable.
Integrate Open Banking into your checkout: clients pay with instant transfer, you collect in real-time without card fees. PSD2 compliant, secure, fast.
The limits of traditional payments
High fees
Cards cost 1% to 3%. On high-value transactions, fees erode margins.
Chargebacks and disputes
Card payments can be contested. Managing disputes takes time and you don't always win.
Slow reconciliation
Traditional transfers take days to be identified and matched to orders.
How it works in 4 steps
Customer chooses "Pay by transfer"
The open banking option appears at checkout alongside traditional cards.
Selects their bank
The customer chooses their bank from a list of over 2,000 European institutions.
Authorizes in their banking app
They're redirected to their bank's app where they confirm the payment with a tap.
Instant and irrevocable collection
Money arrives in your account in seconds. The payment cannot be contested.
Open Banking: future payments, today
With Roxpay Open Banking, the customer authorizes an instant transfer directly from their banking app. No data entry, no card intermediary, immediate and irrevocable collection.
- PIS (Payment Initiation): Start instant transfers from checkout
- AIS (Account Information): Verify IBAN, balance and transactions
- VOP (Verification of Payee): Confirm payee identity before payment execution
- Fees 0.2% - 0.5% instead of 1-3% for cards
- Instant reconciliation with unique reference
The full power of Open Banking
Instant Transfer
SEPA Instant: money is in your account in seconds, 24/7, 365 days a year.
Irrevocability
Unlike cards, the transfer cannot be contested. Zero chargebacks.
Bank Coverage
Connection with over 2,000 European banks. Support for all major Italian institutions.
Auto Reconciliation
Each payment carries a unique reference. Instant order-collection matching.
IBAN Verification (AIS)
Confirm account ownership and verify availability before charging.
VOP – Verification of Payee
Verify the beneficiary's identity before initiating a transfer, reducing fraud and misdirected payments.
Problema
Soluzione
Risultato
Reduce costs, eliminate chargebacks
Discover how Open Banking can transform your collections.