Payment API
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Pay-by-Bank Payment API for High-Risk Merchants

Accept secure Pay-by-Bank payments for eligible high-risk businesses with Wallid API.

Offer Open Banking payments with lower fees, faster payouts and seamless account-to-account payments across the UK and Europe. Deliver a faster, more secure payment experience without traditional card processing.

Create Merchant Account Download API docs
Accept Pay-by-Bank Payments for High-Risk Businesses
Traditional card processors often impose higher fees, delayed settlements or restrictions on businesses operating in regulated or higher-risk sectors.

Wallid API provides eligible merchants with a secure Pay-by-Bank payment solution built on Open Banking. Customers pay directly from their bank account, reducing dependence on card networks while improving payment efficiency.

Every merchant is reviewed through Wallid's compliance process before activation.

Why High-Risk Merchants Choose Wallid

  • Built for High-Risk Businesses

    Designed for merchants operating in sectors that often face payment processing challenges.

  • Secure Open Banking payments

    Customers authorise payments directly with their bank using regulated Open Banking technology.

  • Faster settlements

    Receive payments quickly with instant or same-day payouts depending on your merchant setup.

  • Lower payment costs

    Reduce payment processing fees while avoiding card chargebacks.

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.
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.

Suitable Business
Categories

Accept secure Open Banking payments for eligible high-risk businesses with a single, easy-to-integrate API.

  • Research peptides

  • High-value ecommerce

  • CBD and hemp products

  • Specialist B2B suppliers

  • Dietary supplements

  • Adult wellness

  • Marketplaces with regulated sellers

  • Custom ecommerce platforms

Why Pay-by-Bank is a Strong Alternative
Many high-risk merchants experience payment challenges with traditional card processors, including higher fees, chargebacks and account restrictions.

Pay-by-Bank offers a bank-to-bank payment method that helps reduce processing costs while providing customers with secure bank authentication.

Wallid reviews every merchant before activation and supports eligible businesses operating across the UK and Europe.
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
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

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.

Trusted by
1000+ Merchants
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Accept Pay-by-Bank Payments for Your High-Risk Business

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Frequently Asked Questions
Eligibility depends on Wallid's compliance review, business model and supporting documentation.
No. Every application is reviewed individually before activation.
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 API supports custom websites, marketplaces and ecommerce platforms.
Yes. Eligible high-volume merchants may qualify for reduced pricing during onboarding.
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.