Bank payments that actually move money faster
Instant account-to-account payments — no cards, no chargebacks, no middlemen. Open Banking built for e-commerce and wholesale businesses in the UK.
Get in touch
Account payment
£ 12,400.56
Pay
Invoice
Bulk
Choose your bank
B
Barclays
✓
H
HSBC
N
NatWest
+ 50 more banks
Open Banking API
const payment = await
fena. initiate ({
amount: 1240.56 ,
currency: 'GBP' ,
reference: 'INV-001'
});
// Settled in <3s
payment.status // 'COMPLETED'
Integrated with
Shopify
WooCommerce
QuickBooks
Unleashed
Xero
50 +
UK banks via Open Banking
0 %
Chargeback risk — ever
£0
Setup cost. Pay as you transact
3 s
Average payment completion
Why Fena Payments
Cut the cost of
getting paid
Cards were built for physical retail in the 1950s. Open Banking was built for the internet. The difference shows in your margins.
💸
Lower transaction fees
No interchange, no scheme fees, no acquirer margin. Account-to-account payments typically cost a fraction of card processing.
80 %
lower than typical card fees
🔐
Zero chargeback fraud
Customers authenticate directly via their own bank. No card data stored, no friendly fraud, no dispute overhead.
0 %
chargeback exposure
⚡
Instant settlement
Funds settle in seconds via Faster Payments — not T+1 or T+2. Know your cash position in real time, not tomorrow.
24/7
instant, including weekends
🔄
Variable Recurring Payments
Set up recurring mandates without storing card numbers. VRP lets customers approve once — you collect as needed.
VRP
FCA-regulated mandate payments
📦
Bulk payments
Pay hundreds of suppliers in one click. Perfect for wholesale, B2B payouts or refund batches — one auth, many transfers.
1
auth for unlimited recipients
📊
Account information
Connect to customer bank accounts to verify balances, automate reconciliation, and speed up credit decisions.
AIS
FCA-authorised data access
Two ways to grow with Fena
Every payment type covered
Whether you're taking a one-off order or running recurring billing, Fena has the Open Banking payment flow for it.
Instant payments
Offer Account-to-Account Payment to Your Clients
Give your clients access to an alternative payment solution. With Fena, payments flow from account to account — no cards, no apps, no registration forms.
✓
Shopify & WooCommerce plugins
✓
Pay by Link & QR code payments
✓
Real-time webhook confirmation
✓
White-labelled payment pages
Live transaction
£ 12,400.56
Get in touch →
Data & Recurring
Easy Access With Open Banking Data APIs
Offer integration with Fena Data APIs to your clients. Enable instant access to user insight data with Open Banking APIs powered by Fena.
✓
FCA-regulated VRP mandates
✓
Bulk payouts — one auth, many recipients
✓
Account Information Services (AIS)
✓
Developer-first REST API
const data = await fena. getAccounts ();
// balance, transactions, insights
data. balance // £24,180.00
Savings calculator
How much are card fees costing you?
Swap your numbers in and see what Open Banking saves on your annual payment costs.
£6,000
Estimated Annual Saving
How it works
Simple for your customers.
Powerful for your platform.
The payment experience feels like a standard bank transfer or Open
Banking payment. Under the hood, Fena's infrastructure handles everything automatically.
1
Account provisioned via API
Call the Fena API to create a dedicated account for each customer. A unique UK sort code and account number is assigned instantly.
2
Customer makes a payment
Via Open Banking checkout, Pay by Link, QR code, or direct bank transfer — all routed to their unique account number.
3
Instant match & notification
Funds arrive and are automatically matched to the correct user. A webhook fires to your platform in real time — no polling needed.
4
Order fulfilled immediately
Your system receives the event and releases goods, credits, or digital assets instantly. Zero manual intervention required.
We are eager to help you
Start managing payments
at scale today
Contact us and one of our payment experts will be in touch to
discuss how Fena Accounts can work for your business.
Fena Labs Ltd · FCA Authorised Payment Institution · Firm no. 12358683 ·