Maximise your Margin with Pay By Bank
Reduce the two biggest threats to revenue: card network fees and fraud.
The Checkout with a Clear ROI
Stop trading margin for sales. Our platform combines low transaction costs, instant settlement, and the speed to maximise every sale.
Protect Your Margin
Fast for Everyone
Every payment matters
Our support team resolves payment issues quickly, as if they were our own, removing the burden on your team.
Sell Locally at Scale
Key feature
The Zero-Chargeback Network for E-commerce
Routing Pay by Bank payments across Europe within seconds, Brite Instant Payments Network (Brite IPN) operates instantly 24/7, 365 days a year, maximising checkout conversion and delivering funds immediately, free from card network fees and delays.
Solve your Biggest Checkout Pains
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Online Commerce is getting an upgrade
More Choice, More Chance to Convert
67% of European shoppers prefer to use local payment methods like Pay By Bank (source: Paypers).
Offer consumers a fast, secure way to pay directly from their bank account. No card numbers, no delays, no chargebacks.
Instant Refunds, Ultimate Service
Turn a return into a positive experience. Deliver refunds in seconds, drastically cutting support tickets and improving customer retention.
Verify Buyers of Important Orders
Protect premium goods. Instantly verify the account ownership and identity for every large or suspicious transaction.
Reduce risk during peak sales
Profit Protection and No Chargeback Liability
All payments are bank-verified via Strong Customer Authentication (SCA), making them irrevocable. This eliminates card fraud, removes your financial liability for chargebacks, and improves profit protection on every sale.
Peak Sales Resilience
The proprietary Brite Instant Payment Network (IPN) provides consistently strong uptime and 24/7/365 processing stability. This ensures your checkout is more resilient during critical, high-volume sales periods like Black Friday or holiday peaks.
Consumer Data Handled with Care
We handle sensitive financial data via secure bank channels, ensuring adherence to data regulations (like GDPR) while minimizing your overall compliance footprint. Your customer’s PII is protected, fostering crucial checkout trust.
The API for Fast Commerce
Clean, documented, and built for scale. Give your dev team an API they’ll love, and give your finance team the reliability they need.
Essential Resources
Your E-commerce Questions Answered
Why are Brite solutions well suited to E-commerce?
Brite solutions are ideally suited to e-commerce because they deliver direct, measurable value to your bottom line. We address the sector’s main challenges by providing:
Lower Transaction Costs: Reducing expensive card network fees.
Reduced Fraud Risk: Chargeback-free payments ensure your revenue security.
Superior Cash Flow: Instant settlement means immediate access to funds.
Better Customer Service: Instant Refunds reduce support costs and build loyalty.
With Brite Instant Payments, are chargebacks truly eliminated, or just reduced?
Chargebacks related to card fraud are truly eliminated. Because Brite uses direct Account-to-Account (A2A) transfers backed by Strong Customer Authentication (SCA), the payment is bank-verified and irrevocable. This reduces your financial liability and the operational burden associated with card chargeback disputes.
How fast are Brite Instant Refunds, and how does this impact customer loyalty?
Refunds are processed as Instant Payouts, meaning the consumer receives their money in their bank account in seconds, not days. This is a critical factor in customer satisfaction: fast refunds drastically reduce customer frustration, cut support tickets, and build strong loyalty, turning a return into a positive brand experience.
Can I use Brite Instant Payments for repeat customers (e.g. one-click payments)?
Yes. Our ‘Pay Faster Next Time’ feature is designed to maximise returning consumer conversion. After the first payment, the consumer can complete subsequent purchases using a streamlined, one-click authentication step, making repeat business effortless and highly secure.
How does Brite help with fraud on high-value orders?
For high-value items, Brite helps mitigate risk by leveraging the inherent security of A2A payments and our Data Solutions. A good example is using Account Verification to instantly confirm the buyer’s identity and ensure the name on the payment account matches the name on the order, preventing account takeover and fraud before shipping.
Is the Brite platform stable enough for major sales events like Black Friday?
Yes. The Brite Instant Payment Network (IPN) is a proprietary, full-stack infrastructure built for high-volume resilience. It operates 24/7/365 with high availability, ensuring your checkout remains fast and stable during major sales events like Black Friday, minimising the risk of losing revenue due to payment downtime.
Is Brite’s integration compatible with my existing E-commerce platform?
Yes. Brite offers a clean API and readily available integrations designed for compatibility. We actively partner with leading e-commerce platforms (e.g., Shopware, as an example) to provide merchants with simple, out-of-the-box plugins, allowing you to quickly activate Pay by Bank without extensive development work. For details about the partners we’re integrated with, you can visit our partner page or contact us.