Stores past $100k/month
Pay by bank, built for high-volume stores.
Bank payments at checkout, with every account checked before the first debit.
Order 20931$186.00
- Bank account linked••••6789
- Account validatedbefore first debit
- Customer approved the debitcopy emailed
- Entry descriptionPURCHASE
Return riskLow
Debit createdScheduled
Two ways to connect
Link a bank or confirm two micro-entries.
Either way, no debit runs until the account is confirmed.
Link bank
- Customer signs in to their bankInside the checkout
- Account confirmed••••6789, checking
Enter manually
- Two micro-entries sentEach under $1.00, marked ACCTVERIFY
- Customer enters the amounts$0.32 and $0.45
- Account confirmedFirst debit allowed
Authorization
The customer sees exactly what they approve.
Amount, date, account and how to cancel, with a copy sent to them.
- Amount$186.00
- Debit dateSep 16
- Account••••6789
- How to cancelshown in full
- Copy sentto the customer
Authorization stored with the orderAccepted
Returns
Each return is handled by its code.
Some codes allow a retry. Others stop the debit and ask for a new method.
Read the return code guide- R01 Insufficient funds$186.00Retry 1 of 2
- R02 Account closed$92.40No retry
- R10 Not authorized$240.00Stopped
Exposure
The 60-day window, on every debit.
Consumers can return an unauthorized debit for 60 days. You see where each one stands.
Order 20931Day 3 of 60
Order 20874Day 24 of 60
Order 20611Closed
In the build
What your store gets.
Scoped on the call to your checkout, processor and order volume.
- LINK Bank linking and micro-entries Every account confirmed before the first debit.
- AUTH Authorization and copy Stored with the order, sent to the customer.
- RTN Return handling by code Retries only where the rules allow them.
- 60D Return windows per order Know which debits can still come back.
- RISK Return-risk scoring Checked before a debit is created.
- REC Settlement matching Deposits matched back to orders daily.
Questions
Asked on most calls.
- Can customers dispute a bank payment?
- Yes. A consumer can return an unauthorized debit for up to 60 days.
- Do customers have to sign in to their bank?
- No. They can enter the account and confirm two micro-entries instead.
- When does the money settle?
- It depends on the processor. Each payment shows its own settlement date.
- Is pay by bank the same as RTP payments?
- No. Pay by bank here pulls an ACH debit. RTP and FedNow are instant bank payments the payer pushes.
- What are A2A payments?
- Account to account payments move money bank to bank without a card. Pay by bank is one kind.
- What does a build cost?
- Every build is custom, so it is scoped and quoted on the call.
Pay by bank
Show us your checkout.
Thirty minutes with the people who build it.
