BANKpay+
Built-in, fully owned A2A payments for European merchants
Let customers pay directly from their bank account through their trusted banking environment. Offer BANKpay+ alongside cards, wallets, and alternative payment methods through Maksu Online Payments—or integrate it as a standalone A2A solution.
More payment choice. One simple setup.
BANKpay+ brings Account-to-Account payments directly into the checkout.
Customers can select their country, choose a local bank, and securely authorize the payment through their trusted banking environment.
For merchants, this means more ways to accept payments without adding another disconnected payment workflow.
Built to improve the payment experience
More choice at checkout
Offer direct bank payments alongside cards, digital wallets and local payment methods.
Local payment journeys
Give customers a familiar way to pay based on the banks and payment options available in their market.
Efficient payment costs
Add a bank-based payment option that can help reduce transaction costs for suitable markets and transaction types.
Direct payment initiation
Payments are initiated directly from the customer’s bank account through the applicable A2A payment rail.
Simple payment confirmation
Receive immediate payment confirmation and return the customer to your website once the transaction is completed.
Flexible integration
Use BANKpay+ within the Maksu checkout or connect it directly to your existing payment setup.
Integrated or standalone
BANKpay+ with Maksu Online Payments
BANKpay+ appears under Banks & More within the Maksu checkout, alongside cards, wallets and other alternative payment methods.
Manage multiple payment methods through one platform and one merchant setup.
0.38% per transaction
Reduced rates for higher transaction volumes.
A simple A2A payment journey
1. Select Banks & More
The customer selects Banks & More from the available payment methods at checkout.
2. Choose a local payment option
The customer selects their country, preferred A2A payment method and bank.
3. Authenticate securely
The customer can authenticate directly with the bank, connect the account securely using IBAN or scan a QR code with the mobile banking application.
4. Authorize the payment
The customer confirms the transaction using their existing online or mobile banking credentials.
5. Complete the purchase
The payment is initiated directly from the customer’s bank account. The merchant receives confirmation, and the customer returns to the merchant website.
Flexible customer authentication
BANKpay+ dynamically supports different payment journeys based on the selected market and local banking infrastructure.
Direct bank authentication
Customers authenticate through their bank’s secure online or mobile banking environment.
Secure IBAN connection
Customers connect their bank account securely using their IBAN.
QR-code payments
Customers scan a QR code and authorize the payment through their mobile banking application.
Built for European commerce
BANKpay+ supports merchants operating across SEPA markets, including cross-border e-commerce businesses and markets where bank-based payments are already widely used. Give customers a payment method that fits their local habits while keeping your payment setup simple and flexible.
Connected to European banks
BANKpay+ provides access to supported banks across 30 European countries, enabling customers to pay through familiar online and mobile banking applications.
🇦🇹 Austria — 42 banks
🇧🇪 Belgium — 36 banks
🇧🇬 Bulgaria — 6 banks
🇭🇷 Croatia — 6 banks
🇨🇾 Cyprus — 5 banks
🇨🇿 Czech Republic — 10 banks
🇩🇰 Denmark — 8 banks
🇪🇪 Estonia — 6 banks
🇫🇮 Finland — 16 banks
🇫🇷 France — 98 banks
🇩🇪 Germany — 1,047 banks
🇬🇷 Greece — 13 banks
🇭🇺 Hungary — 5 banks
🇮🇸 Iceland — 4 banks
🇮🇪 Ireland — 11 banks
🇮🇹 Italy — 87 banks
🇱🇻 Latvia — 4 banks
🇱🇮 Liechtenstein — 4 banks
🇱🇹 Lithuania — 4 banks
🇱🇺 Luxembourg — 24 banks
🇲🇹 Malta — 5 banks
🇳🇱 Netherlands — 17 banks
🇳🇴 Norway — 39 banks
🇵🇱 Poland — 9 banks
🇵🇹 Portugal — 29 banks
🇷🇴 Romania — 8 banks
🇸🇰 Slovakia — 11 banks
🇸🇮 Slovenia — 6 banks
🇪🇸 Spain — 71 banks
🇸🇪 Sweden — 19 banks
Coverage for Portugal also includes Madeira and the Azores.
Supported banks and available authentication methods may vary by market and individual financial institution.
