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Instant customer data you can rely on

Payit is revolutionising how businesses access and validate customers' information held within their bank. Powered by Open Banking, our whole-of-market Account Information Service (AIS) solution enables real-time, secure data sharing directly from a customer’s banking app – eliminating inefficiencies, reducing fraud, and enhancing the customer experience.

Eligibility criteria and fees apply.

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Magnifying glass on purple background
Magnifying glass on purple background

AIS for business from Payit

Manual errors, fraud risks, and operational hurdles can make capturing customer information a challenge. AIS offers a digital solution that’s fast, secure, and reliable

Faster Onboarding & Validation

By digitalising the customer journey, AIS aims to reduce manual errors and speed up customer verification using pre-validated bank data.

Fraud Reduction

Minimise Direct Debit and synthetic identity fraud with verified bank-sourced information.

Regulatory Compliance

Prove source of funds and meet anti-money laundering requirements with ease.

Smooth checkout experience

Link bank accounts for quick, smooth transactions.

Cost Efficiency

Only successful AIS calls are chargeable, and automation reduces operational overhead.

Great for your business, great for your customers

  • Real-Time Data Sharing: Instantly access verified customer data, such as name, account number, and sort code, directly from their bank.

  • Explicit Customer Consent: Customers authorise data sharing through their banking app, ensuring transparency and control.

  • Enhanced Security: Customer journeys are protected by end-to-end encryption and Strong Customer Authentication helps protect against fraud and unauthorised access.

  • Seamless Integration: Access both payment and customer data with a single set of Payit credentials.

  • Simple Customer Experience: Customers enter their details in just a few clicks; no manual keying required.

Great for your business, great for your customers

Verify payments, and populate with ease

  • Link a Bank Account for Payments: Ideal for sectors like gaming, mortgages, and investments where proof of funds is essential.

  • Populate Direct Debit Mandates: Automatically fill in mandates with verified data, reducing errors and disputes

  • A UK Banking First: As of July 2025, NatWest is the only UK bank currently offering AIS. So you get the modern technology of Open Banking, with the trust and governance of a well-established, regulated financial institution.

Verify payments, and populate with ease

Eligibility

You will need to sign up to Payit terms and conditions and you may need to hold an account with us. Your business must be based and trading in the UK with a turnover above £2m. You must be 18 years or older. Fees apply. Speak to a NatWest Relationship Manager (where relevant) for further information, or request a call back.

Customer stories

Williams Trade Supplies

With Payit, Williams found a cost-efficient solution for collecting and sending payments, offering their customers a fast and easy way to pay online, remotely and in-store.

Williams Trade Supplies »
Williams companies logo

Sun-Hat Villas and Resorts

Sun-hat Villas, an online travel agent, previously relied on a payment system that demanded significant manual effort from both its staff and clients.

Sun-Hat Villas and Resorts »
Sun hat logo

Wyboston Lakes Resort

Luxury hotel, Wyboston Lakes, turned to Payit and offering customers an alternative way to pay, one without the need to enter card details, was the way to go.

Wyboston Lakes Resort »
Wyboston Lakes Resort

What next?

  1. Engage and explore

    Fill in our enquiry form and one of our team will be in touch.

  2. Connect and build

    Access the Payit sandbox and engage with your internal teams.

  3. Test and prove

    Test the Payit connection and prove the end-to-end proposition.

  4. Go live

    Connect to the Payit production environment, test and go live. It’s as easy as that.

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FAQs

How does Payit work?

Payit utilises secure Open Banking APIs to facilitate payments without the exchange of account details. This is achieved through a payment initiation call to the customer’s bank via Open Banking APIs. The customer authorises a payment using their bank’s online or mobile banking journey and funds are sent as a Faster Payment.

The API technical integration is relatively straightforward, and we have a readily accessible sandbox which you can use to safely develop and test in. Please see our developer zone for technical specs.

If you are using e-Commerce site such as WooCommerce then you can request our plug-in.

What should I do if I suspect fraud with my Payit service or dedicated Payit bank account?

If you suspect fraud has occurred with either your Payit service or dedicated Payit bank account, please contact the dedicated NatWest/RBS fraud teams immediately.

Commercial Fraud Operations: 0800 161 5157.

Our dedicated fraud operations team will ensure that your accounts remain secure, and that any vital information is collected to ensure that your funds remain safe.

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