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Open banking payments and Pay by Bank platform
TrueLayer is a UK-founded open banking payments platform whose Pay by Bank lets businesses accept instant account-to-account payments and access bank data across the UK and Europe through one API. Focused on payments, it aims to offer a faster, lower-cost, and more secure alternative to cards, with instant settlement, refunds, and payouts built in.
The platform covers Pay by Bank (instant bank payments), payouts and refunds, account information and verification, and fraud and conversion tooling, on custom, sales-gated pricing charged per transaction (generally under 1% with per-transaction minimums) plus optional monthly components at scale. Its payments-first focus and conversion optimization differentiate it from data-first aggregators.
TrueLayer serves ecommerce businesses, marketplaces, fintechs, and enterprises that want to accept instant bank payments and reduce card fees and fraud. Its Pay by Bank, payouts, and enterprise reach make it a leading open banking payments provider in Europe.
Pricing Model
Custom
Starting Price
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Free Options
Free trial
| Feature | Pay by Bank | Enterprise |
|---|---|---|
| Instant bank payments | — | |
| Payouts & refunds | — | |
| Under ~1% per txn | — | |
| Single API | — | |
| Usage-based quote | — | |
| High volume | — | |
| Fraud & conversion tools | — | |
| Verification | — | |
| Dedicated support | — | |
| Custom quote | — |
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Compliance Standards
SOC 2 Type II
EnterpriseISO 27001
EnterpriseGDPR Compliant
GlobalHIPAA
HealthcarePCI DSS
FinanceCCPA
PrivacyFedRAMP
GovernmentCSA STAR
CloudDeployment & Data
Data Residency Options
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Open banking API for data and payments across Europe
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