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.
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
01.
Your website or platform creates a payment session
02.
Customer chooses their bank
03.
Customer authorises payment
04.
Wallid confirms payment status via webhook
05.
Your system marks the order as paid
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
Noman A
Impressive performance for a newer platform
I wasn’t sure what to expect, but WallidPay has been rock solid from day one. Real-time payments, no hidden fees, and a clean dashboard. I’m impressed with how polished everything is.
Rebecca L
Great for UK sellers
Most of my customers are UK-based, and WallidPay supports all major banks. It’s made the checkout process faster and improved my conversion rate. Plus, I’m paying way less in fees compared to Stripe.
David H
More secure than using cards
WallidPay’s direct-from-bank payments feel way more secure than entering card info online. No more worrying about fraud or chargebacks. It's the future of online payments, especially in the UK.
Zara M
Excellent customer service
I had a few questions while integrating WallidPay, and their live chat support guided me through everything. Very professional and friendly. The platform is reliable, and I’ve had zero payment issues so far.
Ben R
Super smooth checkout experience
I used WallidPay as a customer for the first time last week — no card details needed, just my banking app. It felt safe and took less than 10 seconds. I hope more shops start using it.
Amna S
Easy setup and instant payments
I set up WallidPay with my store in under an hour. It syncs perfectly with Shopify, and payments hit my account immediately. Their support team is responsive and super helpful. Couldn’t ask for more.
Jake T
Finally an affordable way to accept payments!” – Jake T.
WallidPay has saved my business a ton on processing fees. Direct bank payments are quick and secure, and my customers love not needing to enter card info. Highly recommended for small business owners looking to cut costs without compromising on quality.
Gwenda Wilson
Peace of Mind for Us and Our Buyers
WallidPay gives both us and our customers real peace of mind. Transactions feel safer, and we know every order has been verified properly. It’s one of those tools that works silently but plays a critical role in daily operations. Highly recommended to anyone serious about eCommerce.
Robin
Just What We Needed
We needed something lightweight but effective for verification, and WallidPay delivered. It’s well-built, intuitive, and doesn’t bloat our checkout. It’s nice to finally find a security tool that isn’t overcomplicated. Great job to the developers.
Tracey
Improved Customer Confidence Instantly
We added WallidPay and noticed a change in buyer behavior almost immediately. Customers were more likely to complete orders, and fraud issues dropped. It's clear that the presence of smart verification reassures people. One of the best plugins we’ve used.
Campbell
Smooth, Secure, and Smart
WallidPay is one of those apps that you don’t realize you need until you try it. It protects our store, gives customers peace of mind, and doesn’t interrupt the buying experience. It checks all the boxes—and then some.
David Evans
Made Our Store Feel Legit
Before WallidPay, our checkout felt incomplete. This app made a huge difference by adding structure and verification. It just feels more legitimate and polished now. And because it's automated, I don’t have to babysit orders anymore.
Gagan
Great Value for the Features
Considering how important customer trust is, WallidPay is an absolute bargain. It brings enterprise-level verification and security to small stores like mine. I was nervous about setting it up, but it turned out to be super simple. The value it provides is huge.
Flora
Professional Look and Feel
The addition of WallidPay instantly made our store feel more professional. The clean design and seamless integration make it look like a native feature rather than a third-party app. Our checkout page feels more secure and modern now. It’s a small touch, but it makes a big difference when you’re trying to build customer trust.
Gray
Quick Setup, Lasting Impact
WallidPay was set up in under 10 minutes and has been running perfectly ever since. I really appreciate how easy it was to get started—no tutorials, no long documents, just straight to the point. It's helped build trust with our customers, and we’ve seen fewer chargebacks since. It’s clear that this app was made by people who understand the needs of eCommerce stores.
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.
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.