Payment API for instant payments

No cards, reduced fraud, low fees.

Initiate payments within your app or website using Open Banking payments.

Save money

Low fees, instant deposits

Let your customers easily deposit funds from any device, no accounts or registration required. Save up to 85% on payment processing fees.

A suite of SDKs for easy integration

Direct APIs available
Biometric authentication supported
Instant settlement
Easy reconciliation

Use cases

Ecommerce and online payments

Frictionless online payments with low fees, from just 0.3%. Bank-level security and reduced fraud.

Invoice and bill payments

An easy, secure, low-cost way to get paid for bills and invoices.

Digital wallet and account top-up

Let users initiate payments or move money between accounts effortlessly.

How does it work?

Facilitate instant bank payments from within your app or on website

Step 1

The user commits to making a payment

The user chooses ‘Instant Bank Transfer’ as a payment method, followed by the bank they want to pay with.

Step 2

Fena initiates the payment with redirection

The user is redirected to their banking app to authorise the transaction. The payment is processed by the bank.

Step 3

Instant deposit into your bank account

The user is redirected back to your app once the payment completes. The payment reaches your bank account within seconds.

Key benefits

Key benefits of instant bank payments powered by Fena

Increase conversion

With seamless bank transfer payments, you can reduce basket drop-outs. No card number or personal details required.

Reduce costs

Slash the costs of card and interchange fees. Fena uses the Open Banking framework to reduce payment processing fees by 0.85%.

Customisable design

Design your customer journey end-to-end. Easily customise your payment checkout page to match your brand.

Eliminate fraud

Enable direct payments through your customer’s bank, slashing fraud and chargebacks and saving you up to 1% of revenues.

Bank-level security

Our APIs are Open Banking and PSD2 compliant, ensuring secure access to the financial system.

Quick and easy implementation

Integrate with Fena Open Banking Payment APIs using SDKs or direct APIs.

Seamless payment services for your industry

Marketplaces

Reduce basket drop-outs with seamless bank transfer payments powered by Fena.

Ecommerce

Minimise friction with 'Instant Bank Transfers' at checkout, saving up to 85% on payment processing fees.

iGaming

Provide seamless payments for low-cost top-ups.

Digital wallets

Easy top-ups by instant bank transfer for digital wallets.

Get paid fast and fair with Fena

Download the Fena merchant app to take in-store or in-person payments

We are eager to help you

get in touch