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Overview

Volt Pay by Bank at a glance.

Volt Pay by Bank moves money account-to-account in real time: the customer authenticates with their own bank, the payment travels over domestic real-time rails, and the merchant sees the status immediately — across 33 markets on one platform. The profile below shows where the method fits.

Type
Open banking / real-time account-to-account Pay by Bank
Primary markets
33 supported markets across three continents, including the UK and Europe
Currencies
Market-specific currencies routed over supported domestic real-time payment rails
Typical ticket size
Flexible; suitable for retail checkout, high-value purchases and account funding
Best for
E-commerce, travel, financial services, trading, gaming, marketplaces and digital account funding
The method

What Volt Pay by Bank is.

Volt Pay by Bank is a real-time account-to-account payment solution that lets customers pay merchants directly from their bank account. The customer chooses their bank, authenticates through the bank’s own experience and approves the transfer, while Volt connects the payment across domestic open-banking and real-time payment networks.

For merchants, the proposition is direct: funds move over bank rails in real time, payment status is visible quickly and the checkout avoids manual bank-transfer entry. Volt positions its platform as a global network of networks, giving businesses one Pay by Bank proposition across supported real-time payment markets.

The method is especially attractive for merchants focused on payment speed, cost efficiency, bank-grade authentication, cash-flow visibility and reducing dependence on card rails.

The Volt Pay by Bank experiences
Pay by Bank checkout

The customer selects Pay by Bank, chooses their financial institution and is taken through a familiar bank-authentication flow.

Account and payment details are passed for the customer, so the transfer is approved without manually typing the merchant’s bank information.

Real-time account-to-account payment

Once authorised, the payment travels directly between bank accounts over the relevant domestic real-time payment rail.

Rapid visibility lets merchants align order handling, account funding or service access with a near-instant payment event.

Merchant payment infrastructure

Volt adds merchant-facing capabilities around real-time pay-ins, payment statuses, reconciliation, payouts and account services.

Virtual IBAN and account tools help high-volume businesses identify incoming payments and automate matching at scale.

The customer journey.

Five steps from checkout to reconciled real-time payment — all on bank rails.

  1. 01

    Select Volt Pay by Bank

    The customer selects Volt Pay by Bank at checkout.

  2. 02

    Choose a bank

    The customer chooses their bank from the available list.

  3. 03

    Authenticate, review, authorise

    The customer signs in or approves using the bank’s own method, checks the merchant, amount and payment details, and authorises the account-to-account transfer.

  4. 04

    Back to the merchant

    The customer returns to the merchant experience after bank authorisation.

  5. 05

    Real-time status

    The merchant receives real-time status information and can reconcile the payment against the customer or order.

Coverage

Coverage & reach.

Volt is live across three continents and describes its Pay by Bank coverage as spanning 33 markets through a single platform. Its network connects supported open-banking ecosystems and domestic real-time payment schemes, including European and UK bank-payment rails.

The merchant opportunity grows alongside the global expansion of real-time payments:

  • Direct bank-account reach without relying on card credentials.
  • Real-time payment movement and rapid status visibility across supported rails.
  • A scalable model for e-commerce, account funding and high-volume digital payments.
Fit

Where it wins.

Strong fit

  • E-commerce and digital services seeking real-time bank payments
  • Travel and hospitality merchants handling high-value online purchases
  • Financial services, trading and digital-asset platforms accepting account funding
  • Gaming and entertainment businesses processing frequent deposits
  • Marketplaces and platforms that benefit from automated reconciliation
  • International merchants building a multi-market Pay by Bank strategy
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