Pay by Bank from allpay review
A web-focused Pay by Bank option for organisations adding direct bank payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Pay by Bank from allpay is an Open Banking payment solution for organisations collecting customer payments. It is aimed at housing associations, local authorities, utilities and other billing organisations that want an alternative to card acceptance. Customers select their bank from a secure list, move to their banking app or online banking, authorise the payment with their bank, and receive near-real-time confirmation. The service is delivered for web journeys and is being rolled out across allpay’s digital payment platforms.
Its strongest fit is with organisations already working within the allpay ecosystem. The product integrates with hosted payment pages and Gateway Plus journeys, and rollout also covers the allpayments app and other digital payment journeys. That gives billing teams a way to add direct bank payments alongside existing card acceptance, rather than treating Pay by Bank as a separate customer journey. The published positioning also connects the service with faster confirmation and lower processing costs, which may matter for organisations handling recurring or high-volume customer payments.
The trade-off is scope. Authentication uses a redirect to the customer’s bank, and the listed platform coverage is web, so organisations seeking a native mobile-first payment experience should assess the fit carefully. Pricing is handled through contact with sales rather than a published self-serve plan structure. Pay by Bank from allpay suits web businesses that want direct bank payments integrated into hosted payment pages, Gateway Plus or the allpayments app. It is less suitable for teams that need a standalone, self-serve product with broader platform coverage or a payment flow that stays entirely inside their own interface.
Pay by Bank from allpay pros and cons
- Where it wins
- Direct account-to-account payments with near-real-time confirmation
- Secure bank selection and redirects to banking apps or online banking
- Works with hosted payment pages, Gateway Plus and the allpayments app
- Where it doesn't
- Web-only platform coverage
- Redirect-based bank authentication adds an extra payment step
- Pricing requires contacting sales
Pay by Bank from allpay fact sheet, pricing and score →
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