Pay-by-Bank
Payment API for ChatGPT
Build AI-powered applications with ChatGPT and accept secure Pay-by-Bank payments using Wallid API.
Offer Open Banking payments with lower fees, instant payouts, bank-verified checkout and seamless account-to-account payments for customers across the UK and Europe. Deliver a faster, more secure payment experience without traditional card processing.


Accept Pay-by-Bank Payments in ChatGPT Applications
ChatGPT helps businesses and developers build AI-powered applications, assistants and customer experiences. Wallid API enables those applications to securely accept Pay-by-Bank payments using Open Banking.
Whether you’re creating ecommerce tools, booking systems, customer portals, marketplaces or custom software, Wallid provides flexible payment infrastructure for bank-to-bank transactions.
Customers pay directly from their bank account without entering card details, reducing payment costs while improving security and user experience.
Whether you’re creating ecommerce tools, booking systems, customer portals, marketplaces or custom software, Wallid provides flexible payment infrastructure for bank-to-bank transactions.
Customers pay directly from their bank account without entering card details, reducing payment costs while improving security and user experience.
Why Merchants Prefer Wallid API for ChatGPT
-
Built for AI-powered products
Integrate secure Pay-by-Bank payments into applications built with ChatGPT. -
Secure Open Banking payments
Customers authenticate directly with their bank using regulated Open Banking technology. -
Developer-friendly integration
Simple REST API, payment sessions and webhook support for modern applications. -
Lower payment costs
Reduce transaction fees while eliminating chargebacks associated with card payments.

How It Works
Add Pay-by-Bank with Wallid API
Download API documentation
Review our API documentation and let
us know via chat, if you have any questions
View Documentation us know via chat, if you have any questions
Create a Merchant Account
Create your Wallid merchant profile
and add your business information.
Create Account 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

Download API documentation
Review our API documentation and let us know via chat, if you have any questions
View Documentation Create a Merchant Account
Create your Wallid merchant profile and add your business information.
Create Account 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.
Built for AI Applications
Power intelligent applications with secure Open Banking payments through a single, developer-friendly API.
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AI assistants
-
Customer support
-
Marketplaces
-
Ecommerce solutions
-
SaaS products
-
Booking systems
-
Custom web applications
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Business automation tools

Why Pay-by-Bank
Works with ChatGPT
Works with ChatGPT
ChatGPT enables businesses to launch intelligent applications faster. Wallid complements these applications with a modern payment infrastructure built for Open Banking.
By combining AI-powered experiences with Pay-by-Bank, businesses can reduce payment costs, receive faster settlements and offer customers a secure, bank-verified checkout experience.
For companies operating across the UK and Europe, Pay-by-Bank provides a reliable alternative to traditional card payments.
By combining AI-powered experiences with Pay-by-Bank, businesses can reduce payment costs, receive faster settlements and offer customers a secure, bank-verified checkout experience.
For companies operating across the UK and Europe, Pay-by-Bank provides a reliable alternative to traditional card payments.
API Payment Flow
Customer selects Pay-by-Bank
Explore the Wallid Payment API
Learn how the Wallid Payment API works, explore supported features, integration options, payment flows and implementation guides for modern Open Banking payments.
View Full API Overview What Our Clients Say About Us
Frequently Asked Questions
Yes. Wallid API can be integrated into applications built with ChatGPT using your own backend.
No. ChatGPT helps build AI-powered experiences. Wallid provides the payment infrastructure.
Yes. Your backend securely creates payment sessions and processes webhook notifications.
Wallid supports Open Banking payments across supported banks in the UK and EU.
Yes. Customers authenticate directly with their bank. Card details are never stored or processed.
Yes. Wallid supports ecommerce stores, SaaS products, marketplaces and custom AI applications.
Pricing & Compliance
Standard Pay-by-Bank fees are 1% + £0.25 (€0.30) per transaction. Volume-based discounts are available. 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.









