Pay by Bank in Ireland: open banking payments for merchants
Accept online bank payments from customers in Ireland through open banking. See Wallid's EUR fees, compare manual transfers and SEPA Instant, and choose an integration for your store.
Accept bank payments on your Irish online store
Pay by Bank lets a customer choose their bank and authorise a payment through their banking app or online banking. With Wallid, bank payment becomes part of your online checkout: the customer pays from their bank account to your merchant bank account without entering card details.
Wallid's standard EUR fee is 1% + €0.30 per successful payment. Shopify and WooCommerce integrations are available, alongside an API for custom checkouts. Merchant activation, the customer's bank account and the payment route are confirmed for your setup.
This page covers customers in the Republic of Ireland. Merchant registration and business activity are assessed separately. For Northern Ireland accounts, see Pay by Bank UK coverage.
Manual bank transfer vs Pay by Bank in Ireland
A manual transfer can suit a small number of individually checked orders. An integrated bank checkout gives the customer a payment journey within the purchase and gives your store a way to receive the payment result. Compare both the fee and the work required to complete the sale.
| Merchant task | Manual bank transfer | Wallid Pay by Bank |
|---|---|---|
| Customer payment | You provide account details and a reference; the customer arranges the transfer separately. | The customer selects Pay by Bank, chooses their bank and authorises the payment with the bank. |
| Order confirmation | You establish that the received amount and reference match the order. | For custom checkouts, the API sends payment status to your system by webhook. Your system uses the agreed successful-payment result to update the order. |
| Payment cost | Your account tariff and any incoming-transfer charges, plus the time spent checking and matching payments. | 1% + €0.30 per successful EUR payment at the standard rate; applicable VAT and platform fees are additional. |
| Refunds and exceptions | Arrange a return transfer and record it against the original order. | Refunds can be initiated through the Merchant Portal; successful refunds are charged separately. The process depends on the bank and merchant setup. |
SEPA Standard and SEPA Instant are transfer schemes; Pay by Bank describes the checkout journey. Either scheme still needs the right payment reference, confirmation and account conditions. SEPA Direct Debit instead collects under a mandate, with separate Core and B2B rules. It is a different product from a customer-authorised credit transfer.
If comparing cards or PayPal, use the same order value and payment mix. Include percentage and fixed fees, refunds, disputes, platform charges and access to funds. No single method is automatically cheaper for every merchant.
Pay by Bank fees for EUR payments
Wallid's published standard fee is 1% + €0.30 per successful EUR payment.
| Payment amount | Standard Wallid payment fee |
|---|---|
| €100 | €1.30 |
| €1,000 | €10.30 |
| €10,000 | €100.30 |
The examples exclude applicable VAT and any platform fees. Successful refunds are charged separately at 1% of the refunded amount + €0.30. Confirm the conditions for your setup in Wallid pricing.
For a €1,000 order, the standard Wallid payment fee is €10.30. Compare that with your actual bank or provider charges and the work of confirming and reconciling the order. A low bank-transfer tariff and an integrated checkout fee pay for different services; the examples do not establish a saving against every alternative.
For higher volumes, share your monthly payment count, total EUR value and average order size with Wallid to discuss pricing. A higher average order value and a larger number of payments are separate pricing requirements.
Bank connections to check for your Ireland checkout
Start with the customer's bank and their personal or business banking channel. The eight references below cover bank-account payment initiation; a connection that only reads account information does not qualify.
8 bank connections · availability to confirm
Revolut
Business · Personal
Allied Irish Banks (AIB)
Personal
Allied Irish Banks Business (AIB)
Business
Bank of Ireland 365 Online
Personal
Bank of Ireland Business On Line
Business
N26
Business · Personal
bunq
Business · Personal
EBS
Personal
No matching bank connection found. Try another bank name, clear your filters or contact us to check the account you need.
These are eight connection references, not eight different banking institutions or a guarantee that every account is enabled. Confirm the exact bank, login, account and EUR payment route for your Wallid setup. A Business label does not establish support for every company mandate or distinguish every company account from a self-employed account.
Bank-connection references checked 7 November 2026. The directory describes the customer's paying account, not merchant eligibility. A bank missing from this list may require a separate availability check.
How long does a bank payment take in Ireland?
The Central Bank of Ireland explains that SEPA Instant transfers move money within ten seconds, 24/7, while standard SEPA transfers can take up to one business day. Your checkout must use an eligible account and route; bank support for Instant alone does not establish that every payment initiation follows that route.
For your store, customer approval, the payment result and access to funds answer different questions:
| Stage | What your business should establish |
|---|---|
| Customer authorisation | The buyer can access the right account and approve the payment through the available bank journey. |
| Payment confirmation | Your integration receives the status used to confirm or investigate the order. |
| Access to funds | Your business receives and can use the money under the relevant bank, route and provider conditions. |
A customer's approval screen, a transfer's execution time and a provider's payout arrangement are separate pieces of information. Set fulfilment rules using the payment status agreed for your integration, rather than a customer screenshot alone.
From checkout to a paid order: a Wallid API example
Consider a €1,000 order on a custom store. Its standard Wallid payment fee is €10.30. The published API journey connects bank authorisation with a payment-status notification to your system:
| Step | What happens |
|---|---|
| Create the payment | Your checkout creates a Wallid payment session for the order. |
| Authorise with the bank | The buyer chooses an available bank and approves payment through the bank journey. |
| Receive the result | Wallid reports payment status to your backend through a webhook. |
| Update the order | Your system associates the result with the order and marks it paid when the agreed successful-payment condition is met. |
If the buyer closes the banking window, abandons payment or returns before confirmation arrives, keep the order awaiting confirmation until you establish the verified result. A browser return or customer screenshot alone is not proof that the order has been paid.
This example illustrates the published API process, not a completed test of an Irish bank connection. Before activation, agree the status used for fulfilment, handling of delayed or failed payments, and the refund process for your integration.
Irish bank transfer limits for larger orders
For equipment, furniture, wholesale stock or a service deposit, check both the fee and the amount the buyer can authorise. A successful €10,000 payment costs €100.30 at the standard Wallid rate before applicable VAT or platform charges. That calculation does not confirm that every customer can pay that amount.
Published bank-channel guidance checked 7 November 2026:
| Bank and channel | Published limit context |
|---|---|
| AIB Internet Banking — personal | SEPA Instant payments to a reachable account: up to €10,000 in AIB's published channel table. |
| AIB Internet Banking — business | Up to €30,000 for SEPA Instant in the published table, for Internet Banking customers holding a suitable designated AIB Business Account. |
| Bank of Ireland — euro accounts | Maximum €20,000 combined per day through 365 phone, online and open banking. Customers can choose a lower limit; earlier payments use part of the daily allowance. |
Sources: AIB payment limits and Bank of Ireland online payment limits. These are bank-channel conditions, not confirmed Wallid checkout ceilings. An AIB Internet Banking limit must not be assumed to apply unchanged to a third-party initiation.
Available balance, account permissions, customer-set limits and new-payee controls can reduce the amount available. Bank of Ireland separately describes temporary restrictions after adding a new payee; their relevance to the proposed checkout journey needs confirmation. Confirm the exact account and payment amount before offering a larger-order flow.
B2B and invoice payments from Irish business accounts
For wholesale orders and invoices, connect the payment to a specific purchase: for example, a €1,000 invoice INV-1042 needs an identifiable payment result before the business releases the order. Agree how your integration preserves that order or invoice reference for reconciliation.
The person placing the order may not be authorised to pay from the company account. AIB and Bank of Ireland have separate business-channel references in the directory; establish the account holder, user permissions and whether an additional signer is needed.
Confirm that any additional signer or approval works with the proposed payment journey. An account offered to a self-employed person is not necessarily an account held by a company, and a Business label does not prove every multi-person approval workflow. B2B order payments are separate from SEPA B2B Direct Debit collections.
Choose your Wallid integration
| Your setup | What to review | Explore |
|---|---|---|
| Shopify store | Add bank payment through the Shopify app; review merchant activation, order handling and any Shopify third-party transaction fees. | Pay by Bank for Shopify |
| WooCommerce store | Use the Wallid plugin for bank-authorised checkout; confirm the payment-result handling and refund process for your store. | Pay by Bank for WooCommerce |
| Custom store or B2B ordering flow | Create payment sessions and receive status notifications via the API. Agree order or invoice matching and company-account requirements. | Wallid Payment API |
Pay by Bank Ireland FAQ
Wallid offers Shopify and WooCommerce integrations and an API for custom checkouts. Customers choose their bank and authorise payment with the bank. Complete merchant activation and confirm customer-bank availability, payment status and EUR payment conditions for your store before enabling live payments.
A manual transfer normally asks the customer to use your bank details and reference separately, after which you establish whether the money matches the order. Pay by Bank puts bank authorisation into the checkout journey. Wallid's API reports payment status to your system; the exact order-confirmation and reconciliation rules depend on the integration.
The published standard fee is 1% + €0.30 per successful EUR payment: €1.30 on €100, €10.30 on €1,000 and €100.30 on €10,000. Applicable VAT and platform charges are additional. Successful refunds are charged separately. Higher-volume pricing can be discussed with Wallid.
Use the verified successful-payment result agreed for your integration and match it to the correct order and amount. Customer approval, a browser return and a screenshot alone do not establish receipt of funds. Keep an unconfirmed order awaiting confirmation, and agree how delayed or failed results are handled before releasing goods. Pay by Bank does not always use SEPA Instant; the route depends on the account and service.
The instant-transfer pricing rule compares a provider's corresponding instant and other credit transfers. It does not publish a merchant checkout tariff. Compare your receiving-account charges and your provider's commercial terms, including order confirmation, reconciliation, refunds and any platform costs.
Assess the intended amount for the exact bank account and initiation channel. Available balance, per-payment and daily limits, prior daily usage, approval rights and new-payee controls may matter. There is no universal Wallid maximum established by this directory; confirm the proposed amount before offering it at checkout.
Check the business banking connection, the account holder and the payer's permissions. Company accounts and accounts for self-employed individuals can have different eligibility and signing conditions. Any additional signer or approval must work with the proposed journey; confirm the exact setup with the bank and Wallid.
Every merchant needs a review of its business activity, registration, products and customer markets before activation. A listed customer bank does not establish acceptance of a business category. Review Pay by Bank for eligible high-risk merchants and confirm your proposed business and payment flow with Wallid before integrating.
Sources and bank-connection checks
Payment timing and bank limits use the Central Bank of Ireland, AIB and Bank of Ireland sources linked above, checked 7 November 2026. The Wallid pricing and integration pages describe the published commercial terms and product journeys.
Bank references were reviewed for payment initiation on bank accounts. Account-information-only connections, card services and specialist or unresolved records are excluded from the general directory. Provider references do not establish activation for a Wallid merchant; no Irish payer-account journey was tested for this page.
Find the right bank-payment setup for your Ireland checkout
Share your store platform, business registration and activity, customer banks, typical order value and monthly EUR volume. We will help you assess eligibility, bank availability, pricing and the integration for your checkout.
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