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DirectPay EU at a glance.
DirectPay EU turns an ordinary bank transfer into a structured checkout payment: localised beneficiary, amount and an order-specific reference, paid straight from the customer’s bank account without a card. The profile below shows where the method fits.
- Type
- Customer-initiated online bank transfer / online bill payment
- Payment category
- Bank transfer
- Primary market
- European and adjacent banking markets
- Currencies
- Local transfer currencies by market, with EUR central across SEPA markets
- Payment experience
- Localised bank-transfer instructions and order-specific payment reference
- Best for
- Higher-value purchases, services, memberships, invoices and account funding
What DirectPay EU is.
DirectPay EU is an online bank-transfer solution that allows customers to complete a purchase from their bank account without using a credit or debit card.
The payment flow provides localised beneficiary, amount and reference information so the customer can initiate the transfer through the available banking route. The order-specific reference helps connect the incoming payment with the merchant transaction.
For merchants, DirectPay EU adds a structured bank-payment route to checkout and is particularly useful for invoice-style or higher-value purchases where customers prefer bank transfer.
The customer selects DirectPay EU and receives the local payment information for the order.
Beneficiary, amount and reference are prepared by the checkout — nothing to compose by hand.
The customer uses the supplied beneficiary, amount and reference to authorise the transfer through their bank.
The payment stays inside the customer’s own banking relationship and authentication.
A transaction-specific reference travels with the transfer, connecting the incoming payment to the merchant order.
Supports reconciliation between bank statement and order system, even for invoice-style payments.
The customer journey.
Five steps from checkout to completed transfer — all inside the customer’s own banking route.
- 01
Select DirectPay EU
The customer selects DirectPay EU as the bank-payment option.
- 02
Transfer details presented
The payment page presents the localised transfer details and transaction reference.
- 03
Into online banking
The customer opens or follows the available route to online banking.
- 04
Authorise the transfer
The customer reviews and authorises the transfer using the supplied payment information.
- 05
Back to the merchant
The customer returns to the merchant experience after completing the bank instruction.
Market coverage.
DirectPay EU is positioned for European and adjacent banking markets. The precise banking route and payment currency are localised to the market available through the merchant’s enabled payment setup.
Where it wins.
Strong fit
- European customers who prefer bank transfer to cards
- Higher-value online products and professional services
- Memberships and recurring invoice relationships
- Education, travel, deposits and invoice-friendly sectors
- Wallet and customer-account funding
Additional merchant positives
- Card-free checkout
- Customers pay from their bank account without entering card details.
- Localised instructions
- Payment details can reflect the relevant banking market and currency.
- Order matching
- A transaction-specific reference supports reconciliation with the merchant order.
- Higher-value fit
- Bank transfer can serve purchases where customers prefer not to use a card.