Pay by Bank
Instant payments, engineered for conversion
Offer bank payments built on direct bank connections for faster checkout speed, lower costs, and higher conversion.
Better conversion, more sales
Convert more shoppers with a fast, 3-step checkout that confirms payments instantly.
Protect revenue, reduce fees
Cut expensive card fees and eliminate chargebacks with 100% guaranteed payments.
Reconciliation
on autopilot
Eliminate manual tracking, ledger errors, and reduce fraud with payer account details matched to every payment.
Direct in-house bank connectivity
Get checkout stability and faster processing with complete Pay by Bank coverage.
Checkout
Avoid chargebacks and boost conversion with a seamless 3-step payment flow on your web store or app.
Invoices
Get paid faster and avoid chasing bank transfers with pre-filled, secure Pay by Bank links.
Subscriptions
Collect a first payment and authorise recurring Direct Debit billing in a single checkout flow.
Account top-ups
Let customers fund balances with instant payment confirmation and optimised checkout flows.
Donations
Help more donors complete their payment with a fast, familiar bank-app flow that costs less than cards.
Ecommerce
Reduce costs with no chargeback risk and boost checkout conversion using a familiar payment flow built around the banking app your customers trust.
Gaming
Combine guaranteed deposits with payer account details to trace payments, prevent fraud, and keep compliance in check.
Financial services
Support your KYC and fraud-prevention with verified payer account details and bank-grade payment authentication.
Subscription and membership businesses
Take a single payment and set up a Direct Debit mandate for recurring revenue in a single payment flow.
Unify reporting and payment admin
Manage online and in-person payments from one central dashboard with automated reconciliation and fraud prevention.
Unlock 35+ payment methods from one platform
Offer the payment methods your customers prefer – from BNPL to cards and local favourites – to convert more shoppers across Europe.
Local support when you need it
Speak directly to UK payment specialists – available 7 days a week.
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Trustpilot
Frequently asked questions
How is this different from other bank payment methods?
Most bank payment methods are strictly local – like Swish in Sweden or BLIK in Poland – forcing cross-border businesses to build and maintain separate payment integrations for every market. Pay by Bank provides pan-European coverage through a single connection, simplifying reconciliation and keeping performance more consistent.
Mollie Pay by Bank is also different from other Pay by Bank providers as many resell someone else's bank connection, so when a bank changes something, they're waiting on their supplier to fix it. We maintain everything in-house to protect your acceptance and conversion rates.
Which banks and countries are supported?
Mollie Pay by Bank connects directly to major banks across the UK and Europe – giving your buyers a seamless account-to-account checkout in the banking apps they use every day.
When are funds guaranteed and settled?
Once your customer approves the payment, it's confirmed and guaranteed instantly. Funds settle into your Mollie balance directly. Exceptions are possible when banks apply fraud monitoring checks.
What happens if my customer wants to cancel a recurring payment?
The customer can cancel the Direct Debit mandate at any time, either directly with their bank or by contacting you directly. Once cancelled, no further payments are collected from that account.
With Mollie, Pay by Bank connects to major financial institutions across Europe – giving shoppers instant account-to-account payments through their own banking apps.













