Skip to main content

Open banking

A look into our open banking payment solutions

Open banking


Open banking allows for transactions without a card processor to complete the payment. It differs from conventional card payment systems (Visa, Mastercard, and Amex). Open banking processes the entire transaction through online banking.

How it works?

Turning on open banking

You can request the open banking feature directly within Blink - it is located on the top right-hand side of the portal.

Once requested, open banking will be stimulated by an onboarding team member; after this is complete, your customers can pay you using open banking.

Using open banking

  • Once open banking is enabled, your customer can select ‘pay by bank’ as a payment option on the Blink page and payment links
  • Customers will only be required to enter their email and the amount when paying on a blink page. There is no additional information necessary when your customer pays via a payment link
  • Selecting ‘pay by bank’ will initiate the open banking flow for the customer
  • The customer will first need to select the bank they wish to pay from, and they will then be required to complete their bank’s unique authentication
  • Once the customer has successfully authenticated the transaction with their bank and the customer’s bank accepts the transaction, the payment process is complete
  • Both you and the customer will now be issued receipts for the payment if successful
  • If the customer’s bank declines the transaction, the customer will be redirected and notified on screen (the payment will not go through)

Open banking transaction history

  • An open banking transaction history table will be visible to track transactions if open banking is enabled
  • Find this under reporting→ open banking
  • Each transaction can also be viewed by pulling up the relevant payment link/Blink page from which the transaction was taken on
  • This will also display the status of the transaction: success or failed. As well as the date/time, customer email, source, reference, amount and unique transaction reference ID