Fena - Account-to-Account Payments

Open Banking . FCA authorised

Payment API

for instant payments

Payment API

for instant payments

Payment API

for instant payments

No cards, reduced fraud, low fees. Initiate payments within your app

or website using Open Banking — settle into your account in seconds,

not days.

No cards, reduced fraud, low fees. Initiate payments within your app or website using Open Banking settle into your account in seconds, not days.

0.8s

Avg. settlement

PSD2

Bank-level secure

85%

Lower fees

Save Money

Low fees,

instant deposits.

Low fees,

instant deposits.

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.

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

processing fees.

Get started

Read documentation

Cards

2.9%

Wallets

1.8%

Fena

0.4%

Developer-first

A suite of SDKs for easy

integration.

A suite of SDKs for easy

integration.

Direct APIs available

Biometric authentication supported

Instant settlement

Easy reconciliation

POST /v1/payments

200 OK

{

"status": "settled",

"amount": 12400,

"latency_ms": 812

}

Node

PHP

Python

Java

Use Cases

Build for every payment need.

Checkout

Ecommerce & online payments

Frictionless online payments with low fees, from £4.99 +VAT. Bank-level security and reduced fraud.

Explore

Invoicing

Invoice & bill payments

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

Explore

Wallets

Digital wallet & top-up

Let users initiate payments or move money between accounts effortlessly with one tap.

Explore

How Does It Works

From tap to settled in seconds.

Facilitate instant bank payments from within your app or website using a flow that feels native to your customers.

Step 1

User commits to a payment

The user chooses 'Instant Bank Transfer' as their

payment method and selects the bank they want to pay with.

The user chooses 'Instant Bank Transfer' as theirpayment method and selects the bank they want to pay with.

Step 2

Fena initiates with redirection

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

Step 3

Instant deposit to your account

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

Key Benefits

Faster money.

Smarter margins.

Faster money.

Smarter margins.

Faster money.

Smarter margins.

Six tangible wins your finance, product and engineering

teams will all feel — powered by instant bank payments.

Six tangible wins your finance, product and engineering teams will all feel powered by instant bank payments.

Increase conversion

With seamless bank-transfer payments, you

reduce basket drop-offs. No card numbers or

personal details required.

With seamless bank-transfer payments, you reduce basket drop-offs. No card numbers or personal details required.

With seamless bank-transfer payments, you

reduce basket drop-offs. No card numbers or personal details required.

Reduce costs

Slash the costs of card and interchange fees. Fena

uses Open Banking to cut payment processing

fees by 85%.

Slash the costs of card and nterchange fees. Fena uses Open Banking to cut payment processing

fees by 85%.

Slash the costs of card and interchange fees. Fena uses Open Banking to cut payment processing fees by 85%.

Customisable design

Design your customer journey end-to-end. Easily

theme the checkout page to perfectly match your

brand.

Design your customer journey end-to-end. Easily theme the checkout page to perfectly match your brand.

Eliminate fraud

Enable direct payments through your customer's

bank — slashing fraud, chargebacks and saving

you up to 1% of revenue.

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

Bank-level security

Our APIs are Open Banking and PSD2 compliant,

ensuring secure access to the financial system.

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

Quick and easy implementation

Quick and easy mplementation

Integrate with Fena Open Banking Payment APIs

using SDKs or direct APIs. Live in days, not months.

Integrate with Fena Open Banking Payment APIs using SDKs or direct APIs. Live in days, not months.

Industries

Seamless payments for your industry.

Marketplaces

Reduce basket drop-outs with seamless bank-transfer payments

Ecommerce

Minimise checkout friction with Instant Bank Transfers, saving up to

85% on payment processing fees.

iGaming

Provide seamless, low-cost top-ups with instant settlement and bank-

level security.

Digital wallets

Easy top-ups by instant bank transfer for digital wallets, with no card details required.

SaaS & subscriptions

Recurring and variable bank payments for predictable revenue

with lower fees.

Bills & utilities

Instant, account-to-account settlements for billers, councils and

utility providers.

High risk merchants

Use it as an alternative or add-on at your checkout. Avoid costly chargebacks.

Crypto and Stablecoins

On-ramp fiat into crypto with easy Open Banking payments. Instant settlement and confirmation of fund receipt

We are eager to help you

We are eager to help you