No cards, no wallet, just the customer’s consent.
Instant Payment lets a customer initiate an account-to-account payment directly from their bank. They review it, give explicit consent, and authenticate with their bank; Bancify securely submits the instruction and shows the status the bank returns. No cards in the middle, and no funds held by Bancify. Designed for the UAE Open Finance Framework.
Bank to bank,
on one consent.
Instant Payment initiates a customer-approved payment straight from their bank account. The customer reviews the beneficiary and amount, gives explicit consent, and authenticates with their own bank. Bancify submits the instruction on the UAE Open Finance Framework and shows the status the bank returns. Bancify never holds or moves the money; the banks and payment systems execute and settle it.
Four ways money moves.
One rail, four everyday jobs: send to a person, respond to a request, pay a merchant, and pay a bill.
Send money to a person, bank to bank.
Straight from one bank account to another, with no card number and no hunt for account details.
Send a peer-to-peer payment to anyone, initiated directly from the bank. The sender reviews it and approves it in their own banking app, both sides get a confirmation, and each transfer keeps a clean, matchable record.
- Direct account-to-account transfer, on the sender’s consent
- Confirmation to both sides
- A clean, matchable record of every transfer
Let customers pay you straight from their bank.
Turn “pay now” into a direct bank approval, with no card details to store.
Instead of entering card details, your customer confirms a pay-by-bank checkout from their banking app, and the payment is initiated straight from their account. Each payment carries its own reference, so reconciliation stays clean. It works the same for checkout, bills, and invoices.
- Pay-by-bank at checkout, on bills, and against invoices
- Account-to-account, without card details in the middle
- Each payment referenced and ready to reconcile
Request a payment, get paid on approval.
Send a request; the payer reviews it and approves straight from their bank.
Send a Request-to-Pay to a customer or a peer. They see exactly what is being asked, approve it, and authenticate with their bank. The payment is initiated account-to-account with a reference already attached, where the journey is supported by the approved API scope.
- A clear request the payer reviews and approves
- Bank-to-bank once approved, on the payer’s consent
- Referenced and ready to reconcile
Request-to-Pay is available where supported by the approved API scope.
Pay an invoice or a one-time bill.
Settle an invoice or bill straight from the bank, with no card and no re-keying.
Pay a one-time bill or an invoice directly from your bank account. The beneficiary and amount are pre-filled, you consent and authenticate with your bank, and the reference travels with the payment so it reconciles cleanly on both sides.
- Beneficiary and amount pre-filled
- Consent and bank authentication
- Reference carried end to end
From consent
to confirmation.
Review
Start a payment or respond to a request, and review the beneficiary, amount, and account.
Consent & authenticate
Approve and authenticate in your own bank. Bancify never sees your PIN or password.
Bancify initiates
Bancify submits the instruction securely on the UAE Open Finance Framework.
Bank executes
The bank and payment system execute and settle; Bancify shows the status they return.
Direct, consent-first
account-to-account.
Direct account-to-account
Payments are initiated straight from the customer’s bank account.
Non-custodial
Bancify initiates the instruction and never holds or moves your money.
Consent-first
Every payment needs the account holder’s explicit approval and bank authentication.
No card details
Nothing to store in the middle, and fewer declined-card retries.
Clear status
See the status the bank returns through each step of the payment.
Consent-first, built for
the UAE framework.
Instant Payment is designed for the Central Bank of the UAE (CBUAE) Open Finance Framework. Your bank performs authentication, Bancify never sees your PIN or password, and no funds pass through Bancify. Production availability is subject to CBUAE authorisation, certification, and participating-bank support.
Consent-driven
Explicit, informed approval for every payment, revocable at any time.
Bank authentication
Your bank authenticates you; Bancify never accesses your PIN or password.
Non-custodial
Bancify initiates the instruction; the banks and payment systems execute and settle.
Aligned with CBUAE Open Finance Regulation (Circular 03/2025) · Service Initiation · Subject to authorisation & certification
Built for whoever
moves the money.
Individuals
Send P2P, respond to a request to pay, or pay a bill straight from your bank.
Merchants & service providers
Get paid account-to-account, without card fees or stored card details.
Platforms & fintechs
Embed consent-based, bank-to-bank payment journeys in your own product.
Ready to add bank-to-bank payments?
Tell us what you’re building, whether that is getting paid by bank, sending P2P, or embedding account-to-account payments in your own product, and we’ll show you the path.