The method the brand is named after.
Your customer authorises the payment inside their own online banking. No card number, no wallet, no account to create — and nothing that can be charged back against you afterwards.
They choose it at your checkout
Banky appears among your payment methods. Choosing this one does not open a form — it opens a list of countries and a list of banks, which is the whole of what the payer has to decide.
They confirm it at their bank
The payer logs into their online banking and approves the amount there, under whatever their bank requires of them. The recipient and the reference are already filled in; there is no manual entry of account or transaction details.
You get the status back on the API
When you initiate a payment request you get the status of that payment in the response. Your customer sees a confirmation and returns to your site.
What it includes
- No card details in the flow
- Nothing is typed, stored or transmitted that could be reused — there is no card number to protect.
- No registration for the payer
- An active bank account with enough balance, and nothing else. No Banky account, no app to download.
- Not reversible against you
- A bank transfer has no chargeback mechanism behind it. What settles, stays settled.
- Built on the bank's own verification
- Built on top of core banks' KYC procedures. Fraud risk is significantly reduced.
Where this isn’t the right fit
A customer without an active online banking service cannot pay this way — the mechanism is a transfer authorised inside their bank, so there is nowhere else for it to happen. That is exactly why Banky carries cards, wallets and local methods alongside it: this is the best method for the customers who can use it, not the only one on the platform.
A bank transfer has never been reversible on the payer's word and has never carried interchange. What it lacked was a way to be asked for at a checkout.