Bank Payment Infrastructure

TrueLayer

Bank payment infrastructure for enterprise businesses accepting payments and making payouts.

Overview

TrueLayer helps enterprise businesses accept bank payments and send payouts. Customers confirm purchases in their banking app, while linked bank accounts support subscriptions, bills and one-click payments. Developers can create an account to explore the APIs. Mobile SDKs support React Native. Pay by Bank is optimised for Shopify and Magento, and a library provides integration shortcuts.

Updated Nov 7, 2026

3 things

What TrueLayer has

For developers

Programmatic access to the product's data and features for developers.
A toolkit that lets developers build on the product using their preferred programming language.

Support

Real people you can contact when you need help with the tool.

12 features

Key Features

Open banking payments
We power faster and safer online payments with our open banking payments network. Onboard users, accept payments & make payouts in seconds. Learn more today.
Pay by Bank network
By joining TrueLayer’s Pay by Bank network, merchants are future proofing their payment tech and bringing operational costs back down to earth.
Growing user network
A new user joins the TrueLayer network every 3 seconds meaning businesses get to tap into a rapidly growing user base primed to convert with Pay by Bank.
Enterprise infrastructure
Handling almost half of all UK Pay by Bank payments, and more than 2x the daily volume of our nearest competitors, the TrueLayer infrastructure and technology is tried, tested and built for enterprise businesses.
Banking app confirmation
No more cards, means no more card fraud. Consumers confirm purchases via the safety of their banking app. Pay by Bank means consumers can also trust the payee is who they say they are, as they’re vetted and onboarded by us before joining.
Instant payouts
Give your customers the instant gratification of receiving exactly what they want when they want it. Whether it's refunds, winnings, withdrawals or earnings—we send it in seconds.
Credit checks
Combine real-time affordability data and bureau checks, and approve more customers at checkout with credit that works for your margin
Signup and deposit
Turn more signups into funded customers by combining onboarding and first deposit into one fast, verified Pay by Bank experience.
Closed-loop withdrawals
Deliver instant, closed-loop withdrawals that reduce fraud, lower payout costs, and seamlessly connect customers to Pay by Bank for future deposits and withdrawals.
Bank app confirmation
No more cards, means no more card fraud. Consumers confirm purchases via the safety of their banking app. Pay by Bank means consumers can also trust the payee is who they say they are, as they’re vetted and onboarded by us before joining.
Payments
Cut costs and boost your revenue with the easy, fast and secure way to pay. Streamlined user experiences see 90% of returning customers converting, and a 20+% increase in first-time conversions from the TrueLayer network.
Verified withdrawals
Deliver instant, closed-loop withdrawals that reduce fraud, lower payout costs, and seamlessly connect customers to Pay by Bank for future deposits and withdrawals.

Pros and cons

Pros

Customers can receive refunds, winnings, withdrawals or earnings in seconds.
The team provides human help with technical support.
Pay by Bank is optimised for Shopify and Magento.

Developer features

Bank on File
Customers can Pay by Bank for subscriptions, bills and one-click payments, via a linked Bank account. Our single API orchestrates the best method for you and your customers.
Bank-linked payments
Customers can Pay by Bank for subscriptions, bills and one-click payments, via a linked Bank account. Our single API orchestrates the best method for you and your customers.

You?

Be the first to rate TrueLayer

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See TrueLayer at work before you try it.

Watch on YouTube

4 questions

FAQs

What does TrueLayer do?

TrueLayer provides bank payment infrastructure. Businesses can accept payments, make payouts, and let customers pay through linked bank accounts.

Who is TrueLayer for?

TrueLayer is built for enterprise businesses. Its infrastructure handles almost half of UK Pay by Bank payments.

Does TrueLayer have an API?

Yes. You can create a TrueLayer account now to explore the available APIs for your work.

Does TrueLayer work with Shopify and Magento?

Yes. Pay by Bank is optimised for Shopify and Magento, and its library offers integration shortcuts.

No reviews yet

Community reviews

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No reviews yet

Community reviews

Sort:Write a review

No written reviews yet. Be the first to share your experience.

Tried this tool? Share your experience.

Write a review

3 things

What TrueLayer has

For developers

Programmatic access to the product's data and features for developers.
A toolkit that lets developers build on the product using their preferred programming language.

Support

Real people you can contact when you need help with the tool.

12 features

Key Features

Open banking payments
We power faster and safer online payments with our open banking payments network. Onboard users, accept payments & make payouts in seconds. Learn more today.
Pay by Bank network
By joining TrueLayer’s Pay by Bank network, merchants are future proofing their payment tech and bringing operational costs back down to earth.
Growing user network
A new user joins the TrueLayer network every 3 seconds meaning businesses get to tap into a rapidly growing user base primed to convert with Pay by Bank.
Enterprise infrastructure
Handling almost half of all UK Pay by Bank payments, and more than 2x the daily volume of our nearest competitors, the TrueLayer infrastructure and technology is tried, tested and built for enterprise businesses.
Banking app confirmation
No more cards, means no more card fraud. Consumers confirm purchases via the safety of their banking app. Pay by Bank means consumers can also trust the payee is who they say they are, as they’re vetted and onboarded by us before joining.
Instant payouts
Give your customers the instant gratification of receiving exactly what they want when they want it. Whether it's refunds, winnings, withdrawals or earnings—we send it in seconds.
Credit checks
Combine real-time affordability data and bureau checks, and approve more customers at checkout with credit that works for your margin
Signup and deposit
Turn more signups into funded customers by combining onboarding and first deposit into one fast, verified Pay by Bank experience.
Closed-loop withdrawals
Deliver instant, closed-loop withdrawals that reduce fraud, lower payout costs, and seamlessly connect customers to Pay by Bank for future deposits and withdrawals.
Bank app confirmation
No more cards, means no more card fraud. Consumers confirm purchases via the safety of their banking app. Pay by Bank means consumers can also trust the payee is who they say they are, as they’re vetted and onboarded by us before joining.
Payments
Cut costs and boost your revenue with the easy, fast and secure way to pay. Streamlined user experiences see 90% of returning customers converting, and a 20+% increase in first-time conversions from the TrueLayer network.
Verified withdrawals
Deliver instant, closed-loop withdrawals that reduce fraud, lower payout costs, and seamlessly connect customers to Pay by Bank for future deposits and withdrawals.

Pros and cons

Pros

Customers can receive refunds, winnings, withdrawals or earnings in seconds.
The team provides human help with technical support.
Pay by Bank is optimised for Shopify and Magento.

Developer features

Bank on File
Customers can Pay by Bank for subscriptions, bills and one-click payments, via a linked Bank account. Our single API orchestrates the best method for you and your customers.
Bank-linked payments
Customers can Pay by Bank for subscriptions, bills and one-click payments, via a linked Bank account. Our single API orchestrates the best method for you and your customers.

You?

Be the first to rate TrueLayer

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See TrueLayer at work before you try it.

Watch on YouTube

4 questions

FAQs

What does TrueLayer do?

TrueLayer provides bank payment infrastructure. Businesses can accept payments, make payouts, and let customers pay through linked bank accounts.

Who is TrueLayer for?

TrueLayer is built for enterprise businesses. Its infrastructure handles almost half of UK Pay by Bank payments.

Does TrueLayer have an API?

Yes. You can create a TrueLayer account now to explore the available APIs for your work.

Does TrueLayer work with Shopify and Magento?

Yes. Pay by Bank is optimised for Shopify and Magento, and its library offers integration shortcuts.

TrueLayer

Overview

What TrueLayer has

For developers

Support

Key Features

Open banking payments

Pay by Bank network

Growing user network

Enterprise infrastructure

Banking app confirmation

Instant payouts

Credit checks

Signup and deposit

Closed-loop withdrawals

Bank app confirmation

Payments

Verified withdrawals

Pros and cons

Pros

Developer features

Bank on File

Bank-linked payments

Be the first to rate TrueLayer

Featured Video

FAQs

What does TrueLayer do?

Who is TrueLayer for?

Does TrueLayer have an API?

Does TrueLayer work with Shopify and Magento?

What TrueLayer has

For developers

Support

Key Features

Open banking payments

Pay by Bank network

Growing user network

Enterprise infrastructure

Banking app confirmation

Instant payouts

Credit checks

Signup and deposit

Closed-loop withdrawals

Bank app confirmation

Payments

Verified withdrawals

Pros and cons

Pros

Developer features

Bank on File

Bank-linked payments

Be the first to rate TrueLayer

Featured Video

FAQs

What does TrueLayer do?

Who is TrueLayer for?

Does TrueLayer have an API?

Does TrueLayer work with Shopify and Magento?