Consumer application

Pay by Account

Pay by Account is a retail payment solution. It allows people to pay in-store or online from a bank or digital account using their financial service provider's app. 

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Leverages existing acceptance infrastructure

Includes Mastercard liability protection and dispute resolution

Enables payment innovation and choice

With Pay by Account, consumers can check account balances before making purchases and pay using any bank account with available funds. Transactions are authenticated by the consumer’s trusted bank and/or device, and tokenised through EMV-like capabilities so their account details are never exposed.

It works with existing contactless or digital acceptance infrastructure, or QR code. Merchants receive immediate receipt of funds with reduced risk of failure or chargebacks.

Pay by Account positions financial institutions at the centre of the payment experience, offering their customers additional choice about how they pay. 

Pay by Account also supports bill payments, sitting between banks and billers to facilitate payment and non-payment messages through the banks’ existing online and mobile banking apps.

Pay by Bank App

Pay by Account is available to UK financial institutions as Pay by Bank App. It is currently live with HSBC and Barclays.
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