WALLID PRODUCTS
Payment API
Pay-by-Bank API
for Any Platform
for Any Platform
Wallid API enables merchants, developers and platforms to accept account-to-account payments using Open Banking.
Customers pay directly from their bank account to the merchant’s bank account, without using debit or credit cards.
Customers pay directly from their bank account to the merchant’s bank account, without using debit or credit cards.
Pay-by-Bank API
Pay-by-Bank API
Wallid API enables merchants to add Pay-by-Bank payments to any ecommerce platform, marketplace, AI-built website, custom checkout or headless commerce setup.
It is designed for businesses that need more flexibility than a standard plugin — including high-risk merchants, peptide sellers, CBD brands, marketplaces and custom storefronts.
Why Merchants Prefer Pay-by-Bank API
-
Built for Growing Stores
Built for merchants that need a payment method beyond cards, wallets and standard checkout plugins. -
Secure Open Banking Payments
Customers authenticate directly with their bank using secure Open Banking flows. -
Built for Custom Checkout
Add Pay-by-Bank to your own platform, AI-built website, marketplace or headless checkout without relying on Shopify or WooCommerce. -
Designed for High-risk Merchants
Useful for merchants facing card declines, frozen payouts, chargebacks or payment processor restrictions.
How It Works
Add Pay-by-Bank with Wallid API
Request API access
Submit your business details and tell
us how you plan to use Wallid API.
us how you plan to use Wallid API.
Create a Merchant Account
Create your Wallid merchant profile
and add your business information.
and add your business information.
Complete compliance onboarding
Upload or provide the required business,
product and website information.
product and website information.
Our team reviews your account
Once your profile is completed, send us a message
in the chat. Our team will review it and activate
your account accordingly.
in the chat. Our team will review it and activate
your account accordingly.
Receive your Client ID and Secret
As a final step, you will need to add
your Client ID and Secret to your backend
to activate live payments.
your Client ID and Secret to your backend
to activate live payments.
Create payment sessions via API
Your platform can create Pay-by-Bank
payment sessions, payment links or hosted
checkout flows.
payment sessions, payment links or hosted
checkout flows.
That’s it
Wallid appears as a Pay-by-Bank payment
option in your checkout flow. Customers can now
pay directly from their bank account.
option in your checkout flow. Customers can now
pay directly from their bank account.
How It Works
Add Pay-by-Bank with Wallid API
Request API access
Submit your business details and tell us how you plan to use Wallid API.
Create a Merchant Account
Create your Wallid merchant profile and add your business information.
Complete compliance onboarding
Upload or provide the required business, product and website information.
Our team reviews your account
Once your profile is completed, send us a message in the chat. Our team will review it and activate your account accordingly.
Receive your Client ID and Secret
As a final step, you will need to add your Client ID and Secret to your backend to activate live payments.
Create payment sessions via API
Your platform can create Pay-by-Bank payment sessions, payment links or hosted checkout flows.
That’s it
Wallid appears as a Pay-by-Bank payment option in your checkout flow. Customers can now pay directly from their bank account.
API Payment Flow
Customer selects Pay-by-Bank
-
Your website or platform creates a payment session
-
Customer chooses their bank
-
Customer authorises payment
-
Wallid confirms payment status via webhook
-
Your system marks the order as paid
Built for Any Platform
Wallid API can be used with
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Custom ecommerce websites
-
Headless commerce
-
Marketplaces
-
AI-built websites
-
Lovable, Webflow, Framer or custom frontends
-
BigCommerce, Wix, PrestaShop or Magento-style setups
-
Private ordering portals
-
Payment links and invoice flows
Frequently Asked Questions
Wallid Pay-by-Bank API allows merchants and developers to accept account-to-account payments using Open Banking. Customers pay directly from their bank account without using debit or credit cards.
Customers select Pay-by-Bank, choose their bank, authenticate through their banking app and confirm the payment.
Yes. Wallid API is platform-agnostic and can be integrated into custom websites, marketplaces, AI-built stores, headless commerce setups and other ecommerce platforms.
Yes. You need a Wallid Merchant Account before live payments can be activated.
Create your profile, complete onboarding, provide the required business information and message the Wallid team once your profile is complete. Our team will review and activate your account accordingly.
Your Client ID and Secret Key should be added securely to your backend environment. They should not be exposed in frontend code.
You can test payment creation, hosted checkout, redirects, webhooks, success URLs and failed payment flows before going live.
Yes, Wallid supports refund flows. Refund availability and process may depend on the merchant setup and bank/payment details.
Wallid supports Open Banking payments across supported banks in the UK and EU.
Yes. Customers authenticate directly with their bank using secure Open Banking flows. No card details are stored or processed.
Yes, subject to compliance review. Wallid API is suitable for eligible high-risk merchants who need an alternative to card-based payment processing.
Eligible research peptide merchants may apply. Approval depends on compliance review, product positioning, website content, policies and business documentation.