Pay by Bank · EU & UK
Raise conversion, lower transaction cost, and offer a frictionless payment experience — with Pay-by-Bank built for marketplaces, B2B and recurring billing across the EU and UK.
Built on regulated bank rails.
Why Yellow Stone Pay
Three reasons platforms in the EU and UK move flows from cards to bank rails.
A familiar bank login flow. No card details to enter, no card-not-present friction — and Strong Customer Authentication is built into the bank flow.
Funds settle straight to your bank account. No card-network hold, no chargeback reserve, no PAN data on your side.
Instant rails where supported — Faster Payments in the UK, SEPA Instant in the EU — with real-time settlement, refunds and payouts.
Product
A focused surface for direct bank payments — built so you do not have to assemble it yourself.
Yellow Stone Pay is a focused Open Banking platform for the EU and UK — connecting platforms, marketplaces and B2B businesses to bank rails through one integration.
Bank-to-bank checkout for one-time and instant payments. SCA included.
Send funds direct to a payee's account. Built for marketplaces, refunds and seller settlement.
Account-to-account recurring debits for subscription and platform billing — lower failure rates than cards.
Transaction records aligned to bank statements. Reconciliation without manual lookups.
Business Flows
Three places where bank-to-bank payments materially outperform cards.
Onboard faster, pay out instantly.
Scale your ecosystem with Open Banking. Automate split payouts and settle funds directly to sellers' accounts. Maximize your platform's margin by bypassing the hidden costs of card interchange.
Precision for high-velocity flows.
Stop chasing invoices. Move high-value funds with deterministic settlement and automated reconciliation. A streamlined A2A payment experience designed to keep your finance team in sync with your growth.
Zero-friction recurring revenue.
Built for the subscription economy. Eliminate involuntary churn from expired cards and reduce failure rates with direct bank-to-bank debits. Stable, high-frequency payments that keep your customers connected.
Trust
Open Banking is a regulated framework — and SCA happens at the bank, not on your site.
Beyond plastic cards
We help product teams across the EU and UK ditch the legacy baggage. Tell us about your payment flow, and we'll show you how to automate instant reconciliation and slash churn.
Design your flow
