Pay by Bank
A better way for customers to pay, directly from their bank
Secure bank payments made simple. Boost conversion, lower costs, and reduce operational overhead.
Trusted by
The Pay by Bank suite
Deposits
Fund accounts directly from a bank account
From tap to confirmed in seconds
Your customers pay straight from their bank in a flow they already know: biometric authentication. No card details, no OTP loops. You receive a real-time confirmation the moment the payment settles.
How Pay by Bank helps your business grow
Higher conversion
Bank-authenticated payments approve in seconds, backed by biometrics. Fewer drop-offs, fewer failed retries, fewer abandoned carts.
Lower payment costs
Cut card processing fees by moving volume onto direct bank rails. Savings compound as transaction volume grows.
Funds in seconds, not days
Settles instantly through real-time bank rails. Funds are available the moment a payment is confirmed, with no two-day wait or settlement gaps to manage.
No chargebacks. Less ops drag.
Bank-authenticated payments are final at confirmation. Real-time webhooks and built-in reconciliation cut back-office work by around 50% versus in-house bank integrations.
Beyond a payment method, powerful infrastructure
Built in the region, regulated for the region
Lean is the first licensed Open Banking provider in Saudi Arabia under SAMA, and is regulated in the UAE by the ADGM FSRA and operates under the CBUAE’s Open Finance framework. Built for MENA from day one, Lean is designed around local infrastructure rather than adapted to it.
Real-time settlement, real cash flow
Pay by Bank moves money account-to-account and settles in real time. No three-day card holds, no chargeback reserves, and no delays before funds are available to use.
Integrate in days, not months
Our customers go live in under a week. One clean API, clear documentation, and SDKs in the languages your team already uses.
Bank-grade security, biometric checkout
Every payment is approved by the customer inside their own banking app using Face ID or fingerprint.
Refunds and reconciliation, built in
Refunds processed through the same rail. Automatic matching of payments to deposits, no manual reconciliation work, no settlement gaps to chase.
A dashboard your whole team can use
Every payment, refund, and settlement in one view. Built for finops, developers, and compliance, with full visibility into the payment lifecycle.
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