WALLID PRODUCTS

Payment API

Pay-by-Bank API
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.
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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.
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.
Visit API Help Page
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.
Visit API Help Page
API Payment Flow
Customer selects Pay-by-Bank

Built for Any Platform

Wallid API can be used with
  • 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

Built for High-Risk Ecommerce

Wallid API is especially useful for merchants who cannot rely only on traditional card processors.
  • Research peptides

  • CBD and hemp products

  • Supplements

  • Custom B2B orders

  • Adult wellness

  • High-AOV products

  • Vape and age-restricted products

  • Marketplaces with regulated sellers

Compliance
Note
Wallid does not bypass compliance. Merchants must pass onboarding review and remain responsible for product legality, product claims, labelling, shipping, refunds and customer support.

What Our Clients Say About Us

Trusted by
1000+ Merchants
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Start accepting Pay-by-Bank with Wallid API

Frequently Asked Questions
Pricing & Compliance
Fees depend on store volume. Standard Pay-by-Bank fee is 1% + £0.25 per transaction. Merchants with higher processing volumes may qualify for a reduced rate from 0.7% + £0.25. Final pricing is confirmed during onboarding.
This page is for informational purposes only. Wallid reviews merchants before activation. High-risk and regulated businesses remain responsible for compliance with all applicable laws, product rules, advertising standards and customer protection obligations.