Account-to-Account (A2A) Payments

Account-to-account (A2A) payments include all payments made directly between bank accounts, without using card networks. Through Open Banking payments, PayPoint enables organisations to offer Pay by Bank, the customer-facing method for one-off payments and cVRP for recurring payments, giving customers a secure and convenient way to pay directly from their bank account.

A2A payments are any payments made directly from one bank account to another, without card networks being involved.

What A2A payments are

Bank Transfers

Open Baking payments: Offer customers a secure way to pay directly from their bank account using Pay by Bank.

Open Banking payments provide real-time payment confirmation, reduced processing costs and a seamless customer experience:

Pay by Bank

Allows a business to request payments directly from a customer’s bank account, with the customer authorising the payment through their online or mobile banking app.

Pay by Bank

VRP (Variable Recurring Payments)

The Open Banking technology that enables authorised recurring payments from a bank account.

cVRP (Commercial Variable Recurring Payments):

Allows customers authorise businesses to collect recurring payments directly from their bank account within agreed limits. They combine the speed of Open Banking with flexible billing, supporting variable payment amounts, lower costs, and greater customer control.

cVRP

PayPoint OpenPay

Unique, cost-effective alternative to cheques and bank transfers. It avoids many of the costs associated with these methods without needing to store any sensitive customer data, such as bank details.

PayPoint OpenPay

Why choose A2A payments instead of card

Account-to-account (A2A) payments offer a direct alternative to traditional card payments by allowing funds to move securely between bank accounts without relying on card networks. This can help organisations reduce payment processing costs, minimise the risk of failed payments caused by expired or replaced cards, and benefit from immediate payment confirmation.
For customers, A2A payments provide a simple and secure payment experience through their trusted banking app while organisations gain greater payment certainty, faster access to funds, and a streamlined payment journey.

Why choose A2A payments instead of cash

While cash remains an important payment option for many customers, account-to-account (A2A) payments provide organisations with a faster, more efficient way to collect payments.
By enabling customers to pay directly from their bank account, A2A payments reduce the operational costs associated with handling cash, eliminate the need for in-person payment journeys, and provide real-time payment confirmation.
Organisations also benefit from faster reconciliation, improved visibility of transactions, and reduced administration, while customers can make secure payments anytime and anywhere without needing to visit a payment location.

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