Initiate account-to-account payments directly from your users' bank accounts — no cards, no intermediaries, instant settlement.
Six production-ready capabilities available from day one — no additional integrations or extra licensing.
Customers pay directly from their bank app, bypassing card rails for lower costs and instant clearing.
Funds reach your account in seconds via UK Faster Payments and EU SEPA Instant rails.
Bank-authorised payments are final — no disputes, no fraud reversals, no chargeback exposure.
Save 1.5–2% per transaction vs card processing with zero interchange and scheme fees.
Customer-controlled recurring payments — flexible amounts, adjustable, fully consent-driven.
Initiate full or partial refunds programmatically in real time via the same open banking rail.
POST a payment object with amount, currency, reference and redirect URL to the Ironledge API.
Your user is presented with a bank picker and redirected to their bank's secure login flow.
The user authenticates and approves via the bank's SCA — typically their mobile banking app.
Ironledge fires a webhook confirming the payment. Funds arrive in your account within seconds.
Offer A2A payments as a card alternative — save 1.5–2% in interchange with zero chargebacks.
Explore use case →Batch wage payments via open banking rails at significantly lower cost than traditional payroll.
Explore use case →Split bills in real time without sharing card details for frictionless group payments.
Explore use case →Create a payment in a single API call. The SDK handles bank redirect, SCA flow and webhook confirmation — you focus on your product.
Save 1.5–2% on every transaction. Zero chargebacks. Instant settlement. Go live in under an hour.
No credit card required · FCA regulated · Live in minutes