# Introduction to Pay by Bank As a **Revolut Business customer** with an active **Merchant account**, you have the option to accept payments through your e-commerce website using our **Pay by Bank widget**. This payment method offers customer a secure, and convenient checkout experience allowing them to make payments via bank transfers. ::::details [Available banks] :::info The list of available banks may vary at the time of payment and depends on network status. ::: | Country | Banks | Currency | Supported schemes | | ------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------- | ----------------------------------- | | Austria (AT) | Raiffeisen, Erste Bank, BAWAG P.S.K., EasyBank | EUR | SEPA Credit Transfers | | Belgium (BE) | ING, BNP Paribas Fortis, Hello bank!, Argenta, Crelan, KBC, CBC Banque, Beobank, Fintro | EUR | SEPA Credit Transfers, SEPA Instant | | Croatia (HR) | UniCredit, PBZ | EUR | SEPA Credit Transfers | | Finland (FI) | OP Bank, S-Pankki, Nordea, Danske Bank | EUR | SEPA Credit Transfers, SEPA Instant | | France (FR) | BNP Mabanque, La Banque Postale, Société Générale, Crédit Agricole, Crédit Mutuel, Crédit Industriel et Commercial, Caisse d'Epargne (BPCE), Boursorama, Hello Bank!, Banque Populaire (BPCE), Crédit Mutuel de Bretagne (ARKEA), N26 | EUR | SEPA Credit Transfers, SEPA Instant | | Germany (DE) | Sparkasse, Deutsche Postbank, Commerzbank, Deutsche Bank, ING, Volksbanken, N26, Comdirect Bank, Deutsche Kreditbank, Santander | EUR | SEPA Credit Transfers, SEPA Instant | | Greece (GR) | Piraeus Bank, Eurobank | EUR | SEPA Credit Transfers | | Ireland (IE) | Allied Irish Bank, Bank of Ireland, Permanent TBS | EUR | SEPA Credit Transfers | | Italy (IT) | ING, Fineco, Credem Banca, Banca Intesa Sanpaolo, BancoPosta, BPER Banca, Banca Monte dei Paschi di Siena, Postepay, Crédit Agricole, Banco BPM, BNL, Unicredit | EUR | SEPA Credit Transfers | | Lithuania (LT) | Swedbank, SEB, Luminor | EUR | SEPA Credit Transfers, SEPA Instant | | Netherlands (NL) | ABN AMRO, ING, Rabobank, SNS, ASN, RegioBank, Triodos | EUR | SEPA Credit Transfers, SEPA Instant | | Portugal (PT) | CaixaBank, Millennium bcp, Banco BPI, Activo Bank, Banco Montepio, Santander, Credito Agricola, Novo Banco, Bankinter | EUR | SEPA Credit Transfers, SEPA Instant | | Spain (ES) | BBVA, CaixaBank, Santander, ING, Banco de Sabadell, ImaginBank, Unicaja Banco, Bankinter, Kutxabank, Cajamar Caja Rural, Ibercaja, Openbank, EVO Banco, Banco Mediolanum | EUR | SEPA Credit Transfers, SEPA Instant | | United Kingdom (GB) | Lloyds Bank, Barclays, Santander, HSBC, Halifax, Nationwide, Natwest, Monzo, Bank of Scotland, Danske, RBS, TSB, Ulster Bank, First Direct, Starling, Virgin Money, Chase UK, Wise | GBP | Faster Payments | :::: ## Why offer Pay by Bank solutions? Pay by Bank brings a host of merchant and customer benefits, building on the strengths of open banking and real-time bank transfers: - **Direct bank transfers:** Customers pay straight from their bank account—no card numbers to enter—using their familiar online or mobile banking app. - **Improved conversion rates:** Streamlined flow—no long forms or manual entry—means fewer drop-offs at checkout. - **Seamless, branded experience:** The embedded Pay by Bank modal keeps customers on your site, maintaining trust and reducing context-switch friction. - **Future-proof payments:** As open banking adoption grows, enabling bank-to-bank payments positions you ahead of the curve for emerging payment rails. ## Why choose Revolut? - Receive the money in your bank account in **24 hours**. Fast and easy settlement ensures a steady cash flow. - Accept and settle payments in [**25+ currencies**](https://help.revolut.com/business/help/merchant-accounts/payments/in-which-currencies-can-i-accept-payments/). Hold the original currency in your Revolut Business account until you decide to spend or convert it. - We offer **low and transparent fees**. We charge you only per successfully processed transaction. [Learn more about the benefits of accepting payments with Revolut](https://www.revolut.com/business/payment-gateway/) ## Our solutions To cater to the diverse needs of merchants, we provide the following solutions for accepting payments via Pay by Bank. ### No-code plugins For popular e-commerce platforms, our no-code solutions enable you to integrate **Pay by Bank** in just minutes. Find detailed information and get started with our plugins on the [Plugins and integrations page](/docs/guides/merchant/accept-payments/no-code/plugins/introduction). ### Web integration You can embed the Pay by Bank widget on your website using our web SDK to give your customers a quick, seamless online checkout experience directly via bank transfer. ![Pay by Bank - Web](/img/accept-payments/payment-methods/pay-by-bank/pay-by-bank.gif 'Pay by Bank - Web') [Check the web integration guide](/docs/guides/merchant/accept-payments/online-payments/pay-by-bank/web) :::info Before implementing Pay by Bank, be aware of the following: - **No sandbox environment:** Pay by Bank is not available in the sandbox environment. Real transactions must be made to test your implementation in the **production environment**. - **No refund support:** Pay by Bank does not support refunds through the Merchant API. If you need to refund a payment, you must process it through alternate channels outside of Revolut's payment system. - **Pricing restrictions:** Pay by Bank is not available for merchants on unblended pricing plans. ::: ## Alternative payment solutions In addition to Pay by Bank, you can choose to integrate other payment solutions, such as: - **Revolut Pay** [Learn more about accepting payments via Revolut Pay](/docs/guides/merchant/accept-payments/online-payments/revolut-pay/introduction) - **Card payments** [Learn more about accepting card payments](/docs/guides/merchant/accept-payments/online-payments/card-payments/introduction) - **Apple Pay and Google Pay** [Learn more about integrating Apple Pay and Google Pay](/docs/guides/merchant/accept-payments/online-payments/apple-pay-google-pay/introduction) These alternatives give your customers flexibility and help you capture more sales from different payment preferences. ## What's next - [Apply for a Merchant account](/docs/guides/merchant/get-started) if you haven't already - [Start accepting payments with our Web integration](/docs/guides/merchant/accept-payments/online-payments/pay-by-bank/web) - [Explore the Merchant API for advanced workflows](/docs/api/merchant)