Custom

Overview

The Pay by Bank App helps businesses accept real-time account-to-account payments through a ready-made Azupay checkout experience. Instead of building and maintaining the full payment journey yourself, you can use the app to launch branded payment flows faster, give customers a simple way to pay directly from their bank, and offer both PayID and PayTo experiences within the one solution.

For developers, this means less work to get to market. For businesses, it means a more flexible payment experience that can be tailored to different use cases, from one-off payments to repeat payment journeys. The app combines payment collection, checkout presentation, branding controls, and payment-state handling in a single experience, so teams can focus less on building payment UX from scratch and more on delivering a smooth customer journey.

Key Features

Key Features	Description
Flexible payment experiences	Offer PayID, PayTo, or both, depending on how you want customers to pay. You can also choose which option appears first in the checkout flow.
PayTo-enabled journeys	Where enabled, the app supports PayTo experiences inside the same checkout, including approval-based payment flows and return-payment features. Allow your customers to set up Passkeys, making return payments a tap, scan and pay experience.
Branded checkout	Apply your logo and brand colour so the payment experience feels consistent with your business, not like a disconnected third-party page.
Faster implementation	Use Azupay’s existing payment UX instead of building your own checkout, payment states, and customer messaging from the ground up.
Support for different payment request types	Receive payments your way: fixed amounts, dynamic amounts, up to a maximum amount and even recurring payments.
Built-in payment handling	The app helps manage real-world payment outcomes, including completed payments, expired requests, overpayments, and partial payments.
Better customer guidance	Customers are shown clear, purpose-built screens throughout the payment journey, including payment instructions, status updates, and next steps when something unexpected happens.

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The Pay by Bank App experience can be largely customised, from branding and theme to additional payment methods and it's sequencing, all through the paymentRequest API. . Simply call the API and redirect your customers to the checkoutURL of the API response.

Typical Use Cases

The Pay by Bank App supports a range of payment collection models, from one-off transaction payments through to ongoing customer payment relationships. The examples below show some of the most common ways businesses use the app to receive payments.

Create Open Static PayIDs to assign a unique PayID to an individual customer, so they can add funds to their account whenever needed. It gives each customer a dedicated payment destination, making repeat funding simple and helping payments be identified at the customer level.

Best suited to: Gaming wallets, investment accounts, stored-value accounts, and other balance top-up experiences.