Pay by Bank for small businesses

Merchant

Create one payment, or automate many.

1

Create a payment

Take a one-off payment from Tap, the One app or Merchant Dashboard, or generate payments automatically through checkout, invoices and API workflows.

Works with: Tap · One app · Dashboard · Checkout · Invoices · API
2

Share it with your customer

Present the Tap, show a QR code, send a payment link or embed the journey directly into your payment flow.

Customer

Open, choose bank, confirm.

1

Open the payment

They tap the Tap, scan the QR code, click the payment link or start from your checkout.
2

Choose their bank

They select the bank account they want to pay from.
3

Confirm in their banking app

They approve the payment securely using the bank authentication they already trust.

Payment complete. Funds settle directly.

✓Payment authorised by the customer
✓Confirmation received by the merchant
✓Funds settle directly by bank payment

Public beta open

Take payments with a tap

Wonderful Tap lets customers pay your business straight from their bank app. No card terminal, no extra hardware, no app for them to download.

Place the Tap on your counter. Your customer taps their phone, chooses their bank and approves the payment securely in the banking app they already use. You get a simple Pay by Bank payment journey, built for small businesses that want lower costs and a cleaner way to get paid.

Join the beta

Limited beta units available. We'll supply selected firms with a Tap free of charge in return for practical feedback.

Everything you need to take Pay by Bank payments

One app for merchants

Take payments wherever you are.

Create a payment link in seconds
Take payments in person or remotely
Send links by SMS or email
No hardware or terminals

Built for real-world, one-off payments

Instant settlement

Your money, immediately.

Money arrives immediately
Improved cash flow
Real-time transaction confirmation
Ship knowing you've been paid

Because late payment cripples small businesses.

From the blog

The Wonderful team writes about Open Banking payments technology: from cost savings, security and settlement improvements, to third party integrations, fintech regulation and mobile apps.

Jul 1st

A new look for Wonderful, built on a very old story

For the first time in more than a decade, Wonderful has a new visual identity. That makes it sound rather more corporate than it really is. In truth, this rebrand is less about reinvention and more about doing justice to the story, ambition and people behind Wonderful.