Increase checkout conversion. Lower payment fees.

Quidkey adds Pay by Bank to your checkout so customers can pay directly from their bank account, globally

Add Pay by Bank to your checkoutBook a demo
9:41
northgate-goods.com/checkout
NORTHGATE GOODS
Court Runner, Blue
Size 10 · Qty 1 · Free returns
$149.00
PaymentSecured

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What is Pay by Bank

A direct, account‑to‑account payment.No card in the middle.

Pay by Bank lets customers pay directly from their bank account instead of using a card. They choose their bank, approve the payment securely, and complete the order.

  1. STEP 01

    Click on your bank.

    At checkout, the customer picks their bank from the list or taps the one we predict.

    Total$149.00
  2. STEP 02

    Confirm in the bank app.

    They get bounced to their bank app, confirm with Face ID, and bounce right back.

    Chase
    Authorise with Face ID
    $149.00
    FedNow · Instant
    ToNorthgate Goods
    RefQK-NG-8842
  3. STEP 03

    Money settles.

    Funds move bank-to-bank on instant rails. You see the payment confirmed in seconds.

    Payment received
    + $149.00
    cleared · 1.4s · FedNow
    cash.in / chase+$149.00
    liab.merchant−$149.00
    reconciled$0.00
Why Quidkey

A better checkout for customers.
A better outcome for merchants.

Quidkey adds Pay by Bank to your existing checkout, predicts the customer's bank, and lowers your fees, without changing how you operate.

Up and running in minutes

Shopify app, iFrame, or API. No big integration. No upfront costs.

Smarter checkout

Quidkey predicts the customer's bank and shows it first, increasing checkout conversion.

Zero chargebacks

Bank-authenticated payments remove the fraud and disputes that come with card chargebacks.

Lower fees

No card fees, so you keep more of every sale.

Cross-border

Cheaper cross-border payments.

Cross-border card payments average 7.4% all-in for merchants. With Quidkey, cross-border Pay by Bank costs 3%, with FX included.

Integrations

Add Pay by Bank to any checkout.

Easy to add, fast to launch. Install on Shopify, send no-code payment links, or build custom checkout flows using our APIs and SDKs.

Shopify

Install from the Shopify App Store. No code, no theme edits.

Time~3 minSkillNo code
Shopify App Store
Quidkey
Quidkey · Pay by Bank
by Quidkey · Verified partner
Free to installEnglish
Install
Adds Pay by Bank to your existing checkout
~70% lower fees vs. card processing
Live in 3 minutes · no code, no theme edits
PricingFree to install · 1% + $0.30 / txn
CategoriesPayment experience · Checkout
Supportsupport@quidkey.com
Learn more about Shopify install
Read the docs

Shopify

Install from the Shopify App Store. No code, no theme edits.

Time~3 minSkillNo code
Shopify App Store
Quidkey
Quidkey · Pay by Bank
by Quidkey · Verified partner
Free to installEnglish
Install
Adds Pay by Bank to your existing checkout
~70% lower fees vs. card processing
Live in 3 minutes · no code, no theme edits
PricingFree to install · 1% + $0.30 / txn
CategoriesPayment experience · Checkout
Supportsupport@quidkey.com
Learn more about Shopify install
Pricing

Simple, Transparent Pricing.

No setup fees, monthly fees, or hidden fees. Pay only when you get paid.

Show in
Domesticper transaction
1%+$0.30
In your home currency.
  • No lock-in contracts
  • Unlimited volume
  • No charge for refunds
  • Shopify, Woo, BigCommerce
Cross-borderper transaction
3%+$0.30
Mid-market FX, no markup on your customer.
  • Mid-market FX, zero markup
  • No FX fee on the buyer
  • Multi-currency settlement
  • Local acquiring where possible
High volume?
Talk to us. We’ll build pricing that fits your book, bespoke per-transaction rates, settlement terms, and SLAs.
Get in touch
Programmable treasury

Beyond checkout: TreasuryBeta

Connect the revenue streams you already use, from Stripe and Adyen to Amazon and Shop Pay, and decide what happens after each payment lands.

Programmable splitsAutomated tax routingMulti-currency · live FXReserve & sweep accountsAudit-ready ledgerWebhooks for everything
treasury · acme studios
connected
Balances£491,269.55
£
GBP
£142,308.45
UK receiving account
$
USD
$198,440.12
US receiving account
$
USD
$64,118.07
US tax account
Auto-reserve · product, city & state
€
EUR
€86,402.91
EU receiving account
Recent activity
AmountTypeFromToDate
+£12,480.00PaymentShopify · order #41928GBP · Receiving7 May
−$1,632.18ReserveUSD · ReceivingUSD · Tax7 May
−€4,210.00PayoutEUR · ReceivingAcme Studios7 May
+$8,920.50PaymentStripe · batch 22-04USD · Receiving6 May
−£2,150.00ConvertGBP · ReceivingEUR · Receiving6 May
Workflows
on
WhenUSD payment lands
  1. 1Reserve taxby product · city · state
  2. 2Convert to GBPUSD → GBP · 0.7912
  3. 3Split supplier cost60% · supplier share
  4. 4Pay supplierGZBT Co Ltd · CNY
  5. 5PayoutT+0 · Faster Payments
FAQ

Questions, answered.

Pay by Bank lets customers pay you directly from their bank account, no card in the middle. They pick their bank at checkout, approve in their banking app with biometrics, and funds move on instant rails (FedNow, RTP, FPS, SEPA Instant) in seconds.
No. Quidkey works alongside your existing payment methods.
No. If you’re on Shopify, it’s an app install. For custom checkouts, it’s a short API integration. Our team helps either way.
Yes. They choose their bank, approve the payment securely, and complete checkout in a clear, simple flow.
Yes. Payments are authenticated through the customer’s bank. No card numbers are stored or transmitted.
We onboard businesses from 100+ countries selling into the US, UK, EU, and Australia. If your customers are in those markets, we can almost certainly support you, wherever your business is incorporated.
No. Quidkey works for growing ecommerce businesses as well as larger merchants.

Add a payment option that helps you
convert more customers

Add Pay by Bank to your checkout in minutes. Lower fees, higher conversion, zero chargebacks.

Book a demoRead the docs
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