Real-Time Payments, Everywhere

Receive real-time, account-to-account payments—instantly, securely, and without the delays of traditional banking.

Pay by Bank – Smarter, Faster, More Secure

Ditch slow, outdated payment methods.

Pay by Bank is a globally optimised checkout solution that connects customers directly to their bank, eliminating card fees, reducing fraud, and speeding up settlements.

Instant Payments: Funds transfer in seconds, no waiting.

Lower Fees: Cut out card networks and reduce transaction costs.

Bank-Level Security: Fully compliant, encrypted, and secure.

Frictionless Checkout: No need for card details, just a seamless experience.

Instant Refunds – No More Waiting

One of the biggest pain points in e-commerce?

Slow, costly refunds stuck in legacy banking systems.

With real-time payments, refunds are processed instantly, funds go straight back into your customer’s bank account.

No more delays: Refunds are processed in seconds.

No card chargebacks: Lower risk, fewer disputes.

Boost customer trust: Faster refunds = happier customers.

Instant Refunds – No More Waiting

One of the biggest pain points in e-commerce?

Slow, costly refunds stuck in legacy banking systems.

With real-time payments, refunds are processed instantly, funds go straight back into your customer’s bank account.

No more delays: Refunds are processed in seconds.

No card chargebacks: Lower risk, fewer disputes.

Boost customer trust: Faster refunds = happier customers.

Open Banking – The Future of Payments

Open Banking is reinventing the way businesses move money - secure, direct, and card-free. It allows customers to pay you straight from their bank account using a trusted, secure app - with no need for debit or credit cards.

✔ Lower Costs: Avoid card fees and reduce transaction costs.

✔ Bank-Level Security: Customers authenticate payments using biometrics, PINs, and trusted banking apps.

✔ Simple Integration: Works seamlessly with major banks and fintech platforms.

Who’s using Open Banking?

From HMRC to major utility companies, Open Banking is already powering secure payments worldwide. Now, retailers can tap into the same trusted technology to streamline transactions and reduce costs.

Clear and simple pricing

Our pricing is crystal clear -

no hidden fees, surprises, tricks or gimmicks.

Custom built solutions

Every business is different, so we custom-fit the solution to your unique requirements.

Top-tier support

Our friendly customer support team is ready and waiting to help you with you need it.

One Solution, Multiple Payment Options

Whether you call it ‘Pay by Bank,’ ‘Bank Pay,’ ‘Pay with Bank Transfer,’ or ‘Instant Bank Transfer,’ the result is the same - real-time payments with zero hassle.

Upgrade your payment experience today. Join the revolution in real-time payments.

Frequently asked questions

How long will this take to set-up?

How long is a piece of string? Onboarding timelines vary because not all systems are created equally and neither are the businesses they are being designed for. More complex solutions might take a little longer but one thing we can guarantee is that our exceptional service will ensure a seamless onboarding process and once you start, there won’t be any random, algorithmically generated account closures and gateway suspensions disrupting your business - just plain sailing (pun intended).

Sounds great. How much does it cost?

We don’t do “one size fits all” so we can’t give you a fixed price until we learn a little more about you and your business. Once we have an understanding of what you do and how you do it we will be able to design the perfect payment solution for you. Once we have a plan and you can see in detail the savings and the potential for extra revenue... we will work out a fair price together. We want to be your long-term strategic partner for all your business endeavours, not just another service provider.

What if I already have a merchant account?

Great, our solutions are modular so we can fill the gaps in your current payments stack as well as craft you a new, bespoke solution to really ramp up your system and accelerate your business.

What if I want to stay with my current processor?

Your business, your choice... All we will say is that countless clients save tens of thousands of pound or more by switching to our processing providers. We can’t give you exact figures for individual details here because we value privacy and discretion above most but, if you want to run through a couple of case studies, to see the real effects of our approach on our customers bottom line, reach out to us today and we’ll walk you through the numbers - you’ll be amazed at the hidden potential.

What if I'm not satisfied with the results?

We’re confident this won’t be the case however, if for any reason you feel we aren’t the right payment service provider for you, we will support the set-up process of your preferred supplier free of charge and we will never hold your customer data hostage.

Ready to Have a Chat?


Whether you’re brand new to card payments, or are looking to switch provider, get in touch today and see how we can help.

There is a Smarta way to do payments!

No Contracts – No Hidden Fees – No Dramas

UK


+44 333 124 3190

Mon – Fri: 9am – 17:30pm

Address:

North House, Elland Road

Leeds

LS277QZ

USA


+1 (817) 945 4077

Mon – Fri: 9am – 17:30pm

Address:

1617 Park Place Avenue,

Fort Worth.

TX 76110

Copyright Smarta Payments Ltd 2022© – A Payments Solution Broker