Reduce payment costs on online orders

Online ordering typically charges a percentage-based card processing fee on every order, in addition to any commission the ordering platform itself charges. On lower-margin food and retail orders, this percentage fee can represent a meaningful share of the total order value.

Offering an account-to-account payment option such as Pay by Bank alongside cards gives customers a choice at checkout, and gives the ordering business or platform an alternative cost structure for the orders that use it.

Because account-to-account payments confirm in real time, an order can move into the fulfilment queue as soon as payment is authorised, without waiting on a separate settlement step.

A webhook-based payment confirmation lets an ordering platform update order status automatically the moment a payment clears, keeping kitchen and fulfilment systems in sync without manual reconciliation.

Ordering platforms that don't want to build their own payment UI can use a hosted checkout page to add an account-to-account payment option without a full custom integration.

For platforms serving many merchants, a single payment API and webhook integration can add an account-to-account option across every merchant on the platform at once, rather than requiring each merchant to integrate separately.