Instant settlement
The customer's bank transfers the money directly to your account. Ship the same day, no waiting for payouts.
E-commerce
Maximise your online revenue with the right checkout
Add Pay by Bank to your webshop and let customers pay straight from the banking app they already trust. No card details to type, no failed payments, and the money is on your account in real time.
- 1% per transaction, nothing else
- Live in under 10 minutes with a plugin
- 0 chargebacks
What Pay by Bank does for your webshop
+50%
More customers
3× lower
Transaction fees
Instant
Settlement
0
Chargebacks
How it works for your customer
From "Pay now" to order confirmation in about ten seconds – on a phone or on a desktop.
-
1. The customer checks out on your website or app.
Next to cards and wallets they see "Pay by bank with Firstguard" and pick their bank from the list.
-
2. The banking app opens.
On a phone the bank app opens directly with the amount and your shop name filled in. On a desktop a QR code appears that the customer scans with their phone.
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3. One tap to confirm.
Fingerprint or face ID in the customer's own bank app. No card number, no expiry date, no extra password or SMS code.
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4. Back in your shop, order paid.
The customer lands on your confirmation page, your shop receives the "paid" signal automatically and the money is already on your account.
Why shoppers finish the payment – instead of leaving the cart
Every extra field at the checkout costs you customers. Pay by Bank removes them all: the customer never types a card number, never waits for a 3-D Secure code and never has to remember a password.
- Pays in the bank app they use every day
- No card needed – also for customers without a credit card
- Works on mobile and desktop, in every browser
- Checkout in English, German, French and Italian
Connect your shop in minutes
Install the plugin for your shop system, paste your API key, and Pay by Bank appears as a payment method at your checkout. No developer needed.
WooCommerce
Official plugin. Install, activate, paste your key – done.
Magento 2
Composer module with sandbox and production mode.
Shopware 6
Extension for every sales channel of your store.
Any other platform
One REST API call creates a payment. Developer portal
- 1
Create your business account
Register, verify your business and connect the bank account you want to be paid on.
- 2
Install the plugin
Download it from your dashboard and paste your API key into the plugin settings.
- 3
Test in the sandbox
Make a test payment with the built-in test bank. Approve, reject, refund – try everything.
- 4
Go live
Switch to your production key. Your customers can pay by bank from the next order.
Cards versus Pay by Bank
What changes for you when customers pay from their bank account instead of with a card.
| Card payments | Firstguard Pay by Bank | |
|---|---|---|
| Fee per transaction | 1.5–3% plus a fixed fee | 1%, nothing else |
| Money on your account | After 2–5 business days | In real time |
| Chargebacks | Yes – with fees and lost goods | None – the customer authorises a bank transfer |
| Checkout steps for the customer | 16-digit number, expiry, CVC, 3-D Secure | One tap in the banking app |
| Card data on your side | PCI-DSS obligations | No card data, no PCI scope |
| Refunds | 3–10 days | Instant from your dashboard |
Built for online merchants
Zero chargebacks
Every payment is authorised by the customer in their own bank app. There is nothing to dispute afterwards.
Real-time dashboard
Every order, status and refund in one overview. Export reports as CSV or connect them through the API.
Refunds in one click
Full or partial refunds from the dashboard or your shop system. The customer has the money back in seconds.
All major banks
Works with the banking apps your customers already use – across Germany, the Netherlands, France, Italy and more.
Mobile first
On a phone the bank app opens directly from your checkout. Most of your shoppers never see a form at all.
Sell online? Add the payment method your customers trust most.
Create your business accountSimple pricing. No surprises.
You pay one small fee per successful payment – and that's it. No setup costs, no monthly minimum, no fees for refunds or payouts. Every rate is on this page, so you always know what a sale actually earns you.
Standard
1% per successful transaction
- E-commerce and mobile checkout
- QR payments and payment links
- Instant settlement to your bank account
- Merchant dashboard with real-time reporting
- Free refunds, no monthly fee
No setup costs · cancel anytime
Talk to salesEnterprise
Custom rates for high volumes
- Tailored pricing for businesses processing more than €250k per month*, including everything in Standard.
- Dedicated account manager and priority support
- Custom integration and onboarding help
*Based on your monthly transaction volume
Talk to salesYour customers can pay with the banks they already use
Frequently asked questions
How can we help?
No. They only need the banking app of their own bank. Customers who also use the Firstguard app pay even faster and collect cashback.
Yes. On a phone the bank app opens directly from your checkout. On a desktop the customer scans a QR code with their phone and confirms there.
Of course. Pay by Bank is added as an extra option at your checkout. Most shops show it first because it converts best.
WooCommerce, Magento 2 and Shopware 6 with our official plugins. Every other platform or custom shop connects through the REST API – see the developer portal.
With a plugin usually under 10 minutes: install, paste your API key, set the webhook. A custom API integration is typically done in an afternoon.
We send a signed webhook to your shop the moment the payment is confirmed. The plugins mark the order as paid automatically.
One flat fee of 1% per successful transaction. No setup, monthly, refund or chargeback fees. Enterprise conditions apply above €250,000 per month.
In real time. The customer's bank transfers the amount directly to your linked business account when the payment is confirmed.
Issue a full or partial refund from your dashboard or shop system. The customer receives the money back on the account they paid from, in seconds.
Ready to convert more visitors?
Create your Firstguard Payments business account, install the plugin and accept your first Pay by Bank order today.