Pay By Bank: Simple and Direct Bank Payments that Save up to 90% in fees.
A Cost-effective Alternative Approach to Payment Processing
Kartera helps you avoid expensive card fees. Pocket the savings or reinvest them to drive customer loyalty. Accept low-cost payments directly from your customer’s bank account quickly, easily, and securely.
Companies we work with
A payment solution that puts your business and customers first.
Kartera works alongside your existing payment gateway, helping to reduce your dependency on them and reduce fees. Kartera simplifies the payment process for your company by providing you with the tools needed to accept payments, manage payouts, and onboard merchants, allowing you to focus on growing revenue.
Our open APIs make integrating with your existing e-commerce or app payment flows easy, and we handle all the compliance for you.
With Kartera, you can enjoy the benefits of a payment solution without the hassle. Our platform is designed to be easy to use, flexible and secure. Our low processing fees make accepting online payments more affordable than ever.
Request a DemoGrow your business with Direct Debit Payments
Your business's new best friend, Kartera, offers a smarter, more customer-centric way to process and accept payments. We partner with you to give your customers the fastest, most secure, and most reliable way to pay. Our Pay By Bank payment solution is designed to provide you with an easy-to-use and secure payment method. Our powerful platform allows businesses that offer e-commerce, mobile app payment flows, or POS systems (Point of Sale systems) to implement a payment system that grows your business by reducing your processing fees by up to 90%. Use this as a new method of payment that compliments your existing one or as your primary payment method.
- Our pay-by-bank feature allows customers to make a direct bank transfer using ACH or RTP and bypasses the need for card networks and traditional payment gateways.
- Reduces your rates and saves you money on transaction fees.
- Your customer can earn reduced rates at purchase or explore cashback rewards, increasing AOV (Average Order Value) by up to 48% and encouraging repeat business by up to 82%.
- Convenient for users with no need to carry payment cards physically.
Pay By Bank Vs. Credit and Debit Card Payments
Pay by Bank | Credit Card | Debit | |
---|---|---|---|
Payment Processing Fees | 0.5% to 1% | 2.5% to 5% | 2.5% to 5% |
Access to funds | Immediately | 3-6 business days | 3-6 business days |
Payment Failure Rate | 0.01% | 15% | 15% |
Loyalty Rewards | Use Fee Savings to Fund your Own Reward Program | Issuing Bank Only & Card network | No Rewards |
Fraud Protection | Proprietary active fraud protection eliminating fraud before it happens | None only consumer fraud protection available | None - only consumer fraud protection available |
Pay by Bank keeps your customers happy and your costs low
We offer a powerful payment feature that allows you to enable ACH/bank transfer payments on your platform. Pay by Bank is not meant to replace Ayden, Stripe, Square, or others. Instead, we complement existing payment gateways by providing an alternative, cost-effective, and efficient payment method. Not only will pay by bank reduce your processing fees and processing items. But it also allows you to layer in rewards for your customers. This means you can offer incentives such as points, cashback, and discounts for repeat business and increase customer retention.
Book a demoReal-Time Payments
We’re all about instant capital access. We don’t think you should wait days to get your money, and we don’t think your funding should be tied up when it can work for you instead. That’s why we remove the typical 3-5 day settlement period and allow you to get that capital to work for you immediately by receiving real-time payments this means you can reinvest into your business immediately from a sale.
According to the World Bank, as of 2020, there were more than 50 countries with active real-time payment systems, with many more countries in the process of implementing them.
Contact salesPay by Bank unique Advantages for Different Sectors
Instant payments have become a game-changer for different types of businesses, providing advantages specific to their respective industries.

Gig economy workers
Need timely and flexible payment options to manage their finances. Real-time payments allow these workers to get paid instantly for completed tasks, giving them faster access to their earnings.

Marketplaces
Businesses benefit from real-time payments by offering instant refunds, personalized cash back and rewards, and reducing cart abandonment rates.

Restaurants
Can improve table turnover rates and reduce wait times by accepting real-time payments, enabling customers to pay and leave quickly. Real-time payments also allows for accessing capital quickly.

Retail businesses
Can benefit from Pay by Bank's online and offline payment experience, providing customers with a seamless payment process both in-store and online. In addition, merchants can utilize Pay by Bank's cost savings to establish personalized rewards programs, increasing customer loyalty and boosting revenue.
Testimonial
Significant yearly savings in processing fees
Kartera has allowed me to fund my own customer loyalty rewards with significant yearly savings in processing fees. The loyalty rewards program helped increase my repeat business by more than 50%
Testimonial
A valuable way in keeping my brand in the center
Kartera's payments are a valuable way in keeping my business at the center of the entire customer transaction. It was very easy to implement with my existing product and the Kartera team was here to help me every step of the way.