Pay by Bank (Pay & Subscribe)

Introduction

The Pay & Subscribe UX allows merchants to create subscription-based payment agreements with their customers.
This combines an initial payment with recurring payments, enabling ongoing billing relationships with minimal integration effort.

Key features

• Initial Payment – One-time setup payment or first billing cycle amount.
• Recurring Payments – Collect ongoing payments via a simple API call.
• Automatic Agreement Creation – Payment agreements are created during checkout, linking initial and recurring amounts.

Customer experience

1. Customer lands on the Pay by Bank main landing page

   

2. PayID Entry: Customer enters their PayID (email or phone)

3. Verification: PayID is verified and account holder name is displayed

4. Confirmation: Customer confirms the payment details and authorises the PayTo agreement in their online banking or mobile banking app

5. Processing: Initial payment is processed through the NPP (New Payments Platform)