Account to account payments.
Securely, from your banking app.
A2A payments cut out the middleman to place effortless money transfers at your fingertips. Instead of relying on card networks, money moves directly from one bank account to another.
Account to Account Payments
Instant payments, without the friction.
Account-to-account (A2A) payments let your customers pay you directly from their bank app to yours—no card networks, no hefty fees. Your customers scan a QR code or click a payment link, confirm with their fingerprint, and money lands in your account within seconds.
Simple, secure, and much cheaper than card payments.
A2A Payments
Why businesses choose A2A payments
Faster settlements, lower fees, happier customers.
Card payments take 2-3 days to settle and cost up to 3% in fees. Account to account payments arrive instantly and are usually around 50% cheaper. Plus, payments flow through the UK's secure Open Banking network, making them safer than card payments.
Transform your cash flow, not your operations.
Account to account payments work with what you're already using. Keep your existing POS, keep your current processes. Just add payment links to your invoices, display QR codes at checkout, or integrate with your system via API.
Your customers get a better payment experience, you get instant settlement and lower fees—all without changing how you operate.
JustShoe
3
Men’s Joyride shoes
x1
Men’s Black shoes
x1
£110.00
Credit or Debit Card
PayPal
9:41
Account to Account
Recommended
Pay securely from your bank app.
No cards or sort codes needed.
Pay with Bank App
Seamless integration with your existing tools
Account to account payments connect directly with major accounting platforms like Xero, QuickBooks, and Sage, automatically reconciling transactions and keeping your books accurate without manual data entry.
Invoice #123456
£259.00
Share payment link
Should your businesses choose A2A payments?
If saving on transaction fees and improving cash flow is a priority, then account to account payments are definitely worth considering. Submit the form below to find out more!
Want to find out more about
A2A payments?
Get in touch to learn more about the impact A2A payment can have on your business.
Lower fees than cards
Get paid instantly
No chargebacks or card fraud
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In conclusion
A2A (Account-to-Account) payments let customers pay businesses directly from their bank account, without using cards or intermediaries. Funds move in real time or near-instantly between accounts, offering a faster and often cheaper alternative to traditional payment methods.
Yes. A2A payments use bank-grade security and are typically processed through regulated Open Banking rails in the UK. There’s no need to handle sensitive card data, and because payments are authorised directly by the customer through their bank, there’s no risk of chargebacks.
A2A payments can significantly reduce transaction fees, speed up settlement times, and cut out unnecessary admin. Many businesses also find that customers prefer the simplicity of paying through their trusted banking app — no app downloads, no logins, no fuss.
It’s surprisingly simple. With the right provider, businesses can start accepting A2A payments within a day — often with no new hardware, no long contracts, and seamless integration into existing workflows or invoicing tools.
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A2A Payments