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Pay by Bank app

Pay by Bank app is an easy-to-use payment method that features real-time authorisation.

It allows shoppers to make payments directly from their UK bank account. Anyone can use Pay by Bank provided they have a current account at any supported bank.

There is no need to sign-up for Pay by Bank because it uses existing bank apps installed on mobile phones. The shopper authenticates direct with their bank, meaning that you, the merchant, do not need to handle any sensitive information. Pay by Bank is designed to be very simple and secure for both merchants and shoppers. A significant additional benefit; there is no fraud liability for you.

The checkout process is designed to minimise friction and to facilitate payments ‘on the go’. Pay by Bank app supports high-value transactions, and is suitable for all industries. As you would expect, it is fully compliant with PSD2.

To integrate the Pay by Bank app to your checkout, see Worldpay developers and contact your Relationship Manager.

Shopper journey overview

Single device - Checkout on the same device that holds the mobile banking app

In this case, the shopper buys something on the same device where their bank app is installed (for example, their mobile phone).

The shopper goes to your checkout page and selects the Pay by Bank app payment method.

The mobile banking app launches automatically and the shopper logs in.

The shopper views the transaction details and confirms payment.

A payment successful message appears on the screen. The shopper taps a button to return to the merchant site.

 

You, the merchant, confirms that the payment has been succesful.

 

Two devices - Checkout on a device separate from the device that holds the mobile banking app

In this case, the shopper buys something on a different device (for example, a laptop) from which their bank app is installed (for example, their mobile phone).

 

 

The shopper goes to your checkout page and selects the Pay by Bank app payment method.

 

 

The shopper follows the instructions on the screen.

 

 

The shopper manually launches their mobile banking app.

 

 

The shopper enters the six character code to complete the payment.

 

 

The shopper views the transaction details on their mobile device and confirms payment.

 

 

The shopper views a payment successful message on their mobile device screen.

 

 

 

The shopper views a payment successful message and the order is updated on your website.

 

 

 

Two devices - Checkout with PayConnect

PayConnect offers a smoother two-device journey if the shopper uses the same browser and device as they did for their very first payment.

This first successful transaction with Pay by Bank allows the shopper to opt into receiving an automatic notification for future payment requests. This automatic notification reduces the number of steps to complete a payment. There are no more six character codes to enter.

 

 

The shopper, using the same browser as before, goes to your checkout page and selects the Pay by Bank app payment method.

 

 

The shopper receives a notification on their phone. This notification with your name on it, tells them there is a payment for them to complete. The shopper taps on the notification to launch their bank app.

 

 

The shopper views the transaction details on the bank app and confirms payment without the need to enter type of code.

 

 

The shopper views a payment successful message on their mobile device screen.

 

 

 

The shopper receives a payment successful notification and the order is updated on your website.

 

 

 

The advantage of PayConnect is that there is no need for the shopper to receive and enter a six digit code. Practically this means a smoother payment journey for the shopper, and the possibility of higher conversion rates for you.

Payment method properties

The payment method properties are in the table below:

Property Description/ Value

 

Payment Type

Bank transfer

 

Countries

United Kingdom

 

Supported Languages

English

 

Currency your shopper can pay in

GBP

 

Payment Method Mask used in the request to Worldpay PBBA-SSL

 

Minimum transaction acceptance amount

1 GBP

 

Maximum transaction acceptance amount

10,000 GBP

 

Payment method available on Worldpay's Hosted Payment Pages (HPP)?

No, but planned for 2020.

 

Payment method supported by Worldpay token store?

No - full tokenisation is not supported, but PayConnect uses a form of tokenisation to reduce friction for returning shoppers

 

Direct refunds back to the original payment method through Worldpay's API?

Yes

 

Multiple partial refunds up to the original transaction value?

Yes

 

Collect shopper's bank details and issue refund through Worldpay's Merchant Administration Interface (MAI)? No - not required as all refunds can be made using a direct refund

 

Submit a web form for the shopper to provide their bank details for a refund? No

 

Length of time to issue a refund

13 months

 

Are disputes and chargebacks possible?

Liability shifts to the bank for fraudulent transactions. Disputes are possible for some reasons such as goods not delivered. These disputes are handled as shopper service queries. As a last resort, there is an arbitration process for the few cases that cannot be resolved as a query.

 

Text that will appear on the shopper's bank statement This is dependent on the bank - see Worldpay developers for more details.

 

Dynamic Descriptor - a custom value that appears on the shopper's bank statement Yes - the merchant's name and other details are shown to the shopper in their mobile banking app

 

Length of time it takes from Capture (T) to Settlement T +1

 

Does the payment capture automatically? Yes

 

Dispute process

Disputes are handled as customer-service issues, you should resolve the matter with the shopper and refund the shopper where appropriate. Pay by Bank payments are guaranteed and there’s no concept of a chargeback due to fraud.

If a shopper raises a dispute, Worldpay’s support team will contact you and attempt to resolve this with you.

Refunds

Worldpay’s Order Modification API makes the refunds or you can make manual refunds through the Merchant Administration Interface (MAI).

Both full and multiple partial refunds are supported but must not exceed the amount of the original payment.

Worldpay ask the shopper’s bank to refund the original payment, and the bank then credits the shopper's account. Most payments reach the shopper’s bank account within 24 hours, but in some cases it can take longer.

Worldpay will notify you of any failed refunds.

Prohibited and restricted sectors

There are no special prohibitions or restrictions on Pay by Bank, although obviously you must obey the laws of the countries where you operate.