Bank to bank
Payments move directly between bank accounts, with no card details needed.
Evercrest Corp lets your customers pay by bank instead of by card. They pick their bank, approve in their banking app, and the money moves directly to you. Pay-ins and payouts across 26 European countries, settled in euros.
Instead of paying by card, your customer pays straight from their own bank account. They approve every payment inside their own bank, and funds move directly from their account to yours. No card details are ever collected or transmitted.
Accept deposits and checkout payments directly from your customers' bank accounts.
Send withdrawals, winnings and refunds back to your users' bank accounts.
Everything you need to offer pay-by-bank across Europe, with a single currency: euro.
Payments move directly between bank accounts, with no card details needed.
Customers approve every payment inside their own bank, using the login they already trust.
Over 1,600 banks and financial institutions, with the deepest coverage in Germany, Italy and France.
All payments are processed and settled in euros, across every country we cover.
A familiar, secure flow your customers already know from their own banking app.
Your customer selects pay by bank at checkout.
They pick their bank from our list of 1,600+ supported institutions.
They log in and approve the payment in their banking app or online banking.
The payment is confirmed to you, and funds are settled in euros.
Banks and financial institutions
Countries live today
Money flows: pay-in and payout
Currency: everything in euros
Banks are listed for every country. Germany, Italy and France have the deepest coverage.
Austria and Spain are being added. Activation has also been requested for other SEPA countries.
Ideal for businesses that want a bank-based alternative to cards for both deposits and payouts. Online gaming operators are a strong example: fast deposits in, fast withdrawals and winnings out.
Deposits by pay-in, withdrawals and winnings by payout.
Offer pay by bank at checkout alongside cards.
One integration and one currency across 26 countries.
Create a payment from your server, redirect the customer to their bank, and receive a callback when it succeeds.
// Server-side only: never expose your merchant secret const crypto = require("crypto"); const fields = { merchant_key, merchant_reference, first_name, last_name, email, phone, amount }; // Sort keys, join values with "|", sign with HMAC-SHA256 const str = Object.keys(fields).sort() .map(k => fields[k]).join("|"); const hash = crypto.createHmac("sha256", merchantSecret) .update(str).digest("hex"); const res = await createPayment({ ...fields, hash, return_url }); // → { success: true, status: "pending", flow: "redirect", // redirect_url: "…" } → send the customer there
// Sent to your webhook when a payment succeeds { "transaction_id": "TXN123", "merchant_reference": "ORDER-1001", "amount": 100.00, "currency": "EUR", "status": "Success", "message": "Payment Successful" } // Always verify the status before fulfilling an order.
Quick answers about open banking payments, currency and coverage.
Instead of paying by card, your customer pays straight from their own bank account. They pick their bank, approve the payment in their banking app or online banking, and the money moves directly from their account to yours.
Yes. Pay-in is when your customers pay you. Payout is when you pay your customers or users, for example withdrawals or winnings.
All payments are processed and settled in euros, including in countries that use their own currency. We do not process in local currency, so plan for euro pricing and euro settlement.
We cover 26 countries and over 1,600 banks and financial institutions. Austria and Spain are being added. Our full supported-bank list, with each bank's group and countries served, is available on request.
No. Customers are redirected to their own bank's authorization page. No card data is collected or transmitted, and every API request is signed with HMAC-SHA256.