
Pay by Bank
Instant payments, engineered for conversion
Offer bank payments for faster checkout speed, lower costs, and higher conversion.
Better conversion, more sales
Convert more shoppers with a fast checkout that confirms payments instantly.
Protect revenue, reduce fees
Cut expensive card fees and eliminate chargebacks with 100% guaranteed payments.
Bank-to-bank connectivity
Improve checkout stability and settlement speeds by routing payments through open banking rails.
Checkout
Avoid chargebacks and boost conversion with a seamless payment flow on your web store or app.
Account top-ups
Let customers fund balances with instant payment confirmation and optimised checkout flows.
Invoices
Get paid faster and avoid chasing bank transfers with pre-filled, secure Pay by Bank links.
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
Guaranteed deposits confirm instantly, so players aren't left waiting, and you avoid the chargeback risk that comes with cards.
Financial services
Support your KYC and fraud-prevention checks with verified payer bank 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 payment specialists who know your market – available 7 days a week.
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Trustpilot
Frequently asked questions
When are funds guaranteed and settled?
Once your customer approves the payment, it's confirmed and guaranteed instantly. Funds settle into your Mollie balance the same day if the payment completes before the daily cut-off, or the next business day if it doesn't.
Is Pay by Bank safe?
Yes. Pay by Bank runs on regulated open banking infrastructure, with strong customer authentication built into every payment.
Customers approve the payment in their own banking app – with a PIN, fingerprint, or face scan. Their bank credentials never reach Mollie or your business – they stay with the bank.
That authentication stops the fraud that comes from stolen or misused card details. It doesn't remove fraud risk entirely, so it's still worth keeping your own fraud controls in place.
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 consistent.
What is the difference between Pay by Bank and a regular bank transfer?
A regular bank transfer means your customer types in your payment details and a reference by hand, then you wait to match it up on your side.
Pay by Bank embeds straight into your web store or mobile app. Customers select their bank at checkout and approve the pre-filled payment inside their banking app in seconds.
Which banks and countries are supported?
With Mollie, Pay by Bank connects to major financial institutions across Europe – giving shoppers instant account-to-account payments through their own banking apps.















