Latpay makes it easy for your business to access Open Banking and Account-to-Account (A2A) payments across Australia, the UK and Europe. We handle account setup, integration and ongoing management. Automate bank to bank transfers, with funds typically settling in seconds rather than days.
Your customers authorise payments directly through their banking app, with funds moving via real-time payment infrastructure and landing in your account within seconds. No card rails. No delays.
Customer selects ‘Pay by Bank’ at checkout
Redirected to banking app for instant authorisation
Payment confirmed in real time
Funds received in your account within seconds
A frictionless checkout experience with instant confirmation keeps customers moving forward.
Funds settle quickly rather than following the card scheme settlement cycles.
Works across e-commerce checkouts, subscription billing and business invoice settlement.
Open Banking payments remove card network fees, meaningfully reducing cost per transaction in many use cases.
Know a payment has succeeded before you dispatch goods or unlock services.
Payments authorised directly by the customer and settled instantly, significantly reducing traditional card dispute exposure.
Send funds directly to customer or supplier bank accounts in real time, 24 hours a day, 7 days a week. No batch windows. No banking delays. Just instant, reliable disbursements at the volume your business demands.
Funds arrive in seconds, improving recipient experience and reducing inbound queries about payment status.
Pay on your schedule rather than waiting for batch settlement windows to open.
Manage payments to multiple banks and regions from a single, unified dashboard.
Real-time rails don’t close overnight or on weekends. Pay when your business needs to pay.
Infrastructure built to handle large disbursement volumes without performance degradation.
Reduce the manual overhead of managing multiple banking relationships and reconciliation processes.
Integrate Open Banking payments in the way that best suits your technical environment. The same flexible integration architecture as our card processing — meaning less rework if you run both.
Fully documented REST APIs for end-to-end control of payment initiation, status tracking and reconciliation.
Native SDKs for web, mobile and platform environments for rapid integration with minimal custom code.
A Latpay-hosted ‘Pay by Bank’ page that handles the Open Banking redirect flow without you touching the infrastructure.
Combine hosted and embedded approaches to suit your UX requirements, compliance posture and development capacity.
Discover a better way to accept payments, with a team that’s genuinely invested in your success.
