Fabrick Pay by Bank: accept account-to-account payments
Introduction
Fabrick Pay by Bank is a digital payment method that allows consumers and businesses to pay securely directly from their bank account, via bank transfer, without using credit or debit cards.
This system uses Open Banking, enabling a direct connection between the payer's account and the beneficiary's account, allowing payments to be processed quickly, securely and without errors, as the transfer details are pre-filled and ready to be confirmed.
Benefits of Fabrick Pay by Bank
Simplicity
There is no need to manually enter transfer details, reducing the risk of errors.
Speed
Payments are processed in real time, improving transaction efficiency.
Security
Authentication via Open Banking ensures that payments are safe and secure.
How to offer Fabrick Pay by Bank
1. Create new content and update your website
A dedicated page for Fabrick Pay by Bank can be created, or the section already present on the website that lists supported payment methods can be updated. Below is an example of copy.
Choosing Fabrick Pay by Bank for online purchases means paying in a safer, faster, and simpler way, directly from the bank account, without the need to remember card numbers or worry about fraud. It represents a modern and convenient way to shop online, increasingly adopted by consumers across Europe.
The experience is simple, fast, and secure because:
No IBAN to copy, no risk of errors
All transfer details are already pre-filled. There is no need to manually enter the beneficiary, IBAN, or payment reference — a simple confirmation is sufficient.
Debit and credit in just a few seconds
Payment processing times follow those guaranteed by the SEPA scheme: debit and credit are completed within seconds thanks to instant bank transfers.
The transaction is authorised directly through the bank
With maximum security ensured by Open Banking, the payment is authorised using the credentials provided by the customer’s bank.
Note
Debit and credit times depend on the type of bank transfer used. When instant transfers are enabled, the transaction is completed within seconds. When a standard transfer is selected, the credit may take up to two business days.
2. Add a dedicated FAQ section
Include a section with answers to the most frequently asked questions.
Fabrick Pay by Bank is a pre-filled bank transfer, meaning a bank transfer in which the main details (beneficiary name, IBAN, amount, and payment reference) are filled in automatically. The only action required is to review and confirm the payment.
- When Fabrick Pay by Bank is selected as the payment method, the customer is redirected to their bank’s online environment.
- There is no need to enter card details or bank account numbers: the customer simply selects their bank and authenticates as usual (for example via banking app, fingerprint, or one-time password).
- The amount and beneficiary are displayed for review; once the payment is confirmed, the transfer is executed immediately, in real time.
- A confirmation of the transaction is provided straight away, and the online store is informed that the payment has been successfully completed.
3. Train your customer care to provide dedicated support
Make sure your support team is able to explain how this payment method works and can reassure customers in case of doubts.
Fabrick Pay by Bank Integration via Ecommerce
Follow our documentation to integrate pre-filled transfers into your Ecommerce:
Read the guide on how to present Fabrick Pay by Bank correctly, consistently and effectively.
Learn how to integrate Fabrick Pay by BankConsult our technical documentation on how to implement this innovative solution and improve your customers' payment experience.
Direct integration documentation Integration documentation with Payment Orchestra