Real-time applications

Helping people and organisations pay and get paid

Our real-time payment solutions allow people to pay merchants and billers from a bank or digital account using their financial service provider's app.

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Want to find out more about our consumer payment solutions? We're happy to help.

Pay by Account

Pay by Account is a retail payment solution. It allows people and businesses to pay online or in-store using contactless or QR code. It is live in the UK as Pay by Bank App.

Bill Pay Exchange

Bill Pay Exchange is a bill payment solution. It allows people to view, manage and pay household and other personal bills securely, conveniently and with control.