PAYMENTS
Receive real-time payments directly from your customers’ bank accounts.
The Trusted Payments & Banking Partner for
Product suite
Our Payment Stack
Make payments feel like sending an email.
OPEN BANKING
Enable real-time account-to-account transfers with bank-grade security, eliminating cards and wallets while cutting costs and eliminating chargebacks.
MANUAL BANK TRANSFER
Offer manual bank transfer as a familiar, trusted payment option that boosts conversion, automates reconciliation, and provides an error-free experience.
PAYMENTS
Receive real-time payments directly from your customers’ bank accounts.
The Trusted Payments & Banking Partner for
Product suite
Our Payment Stack
Make payments feel like sending an email.
OPEN BANKING
Enable real-time account-to-account transfers with bank-grade security, eliminating cards and wallets while cutting costs and eliminating chargebacks.
MANUAL BANK TRANSFER
Offer manual bank transfer as a familiar, trusted payment option that boosts conversion, automates reconciliation, and provides an error-free experience.
PAYMENTS
Receive real-time payments directly from your customers’ bank accounts.
The Trusted Payments &
Banking Partner for
Product suite
Our Payment Stack
Make payments feel like sending an email.
OPEN BANKING
Enable real-time account-to-account transfers with bank-grade security, eliminating cards and wallets while cutting costs and eliminating chargebacks.
MANUAL BANK TRANSFER
Offer manual bank transfer as a familiar, trusted payment option that boosts conversion, automates reconciliation, and provides an error-free experience.
PAYMENTS
Receive real-time payments directly from your customers’ bank accounts.
The Trusted Payments & Banking Partner for
Product suite
Our Payment Stack
Make payments feel like sending an email.
OPEN BANKING
Enable real-time account-to-account transfers with bank-grade security, eliminating cards and wallets while cutting costs and eliminating chargebacks.
MANUAL BANK TRANSFER
Offer manual bank transfer as a familiar, trusted payment option that boosts conversion, automates reconciliation, and provides an error-free experience.
Benefits
Benefits of Ivy's Payments Infrastructure
DELIVER REAL-TIME PAYMENTS
Receive real-time payments via Open Banking - cut transaction costs, speed up settlements, and eliminate chargebacks.
GUARANTEE UPTIME
Ensure seamless payments with our redundant API network, smart-routing each transaction through the strongest available bank connection.
OPTIMIZE CONVERSION
Boost payment success and reduce drop-offs with fallback to manual bank transfers when instant payment aren't available.
How instant payments work
1.
Select pay by bank
Choose Ivy’s whitelabel "Pay by Bank". Trusted local banks create confidence and drive conversion.
2.
Choose your bank
3.
Authorise instant payments
4.
Success
How instant payments work
1.
Select pay by bank
Choose Ivy’s whitelabel "Pay by Bank". Trusted local banks create confidence and drive conversion.
2.
Choose your bank
3.
Authorise instant payments
4.
Success
How instant payments work
1.
Select pay by bank
Choose Ivy’s whitelabel "Pay by Bank". Trusted local banks create confidence and drive conversion.
2.
Choose your bank
3.
Authorise instant payments
4.
Success
How instant payments work
1.
Select pay by bank
Choose Ivy’s whitelabel "Pay by Bank". Trusted local banks create confidence and drive conversion.
2.
Choose your bank
3.
Authorise instant payments
4.
Success
Customers
Unlocking Growth for our Customers
Customers
Unlocking Growth for our Customers
Customers
Unlocking Growth for our Customers
Customers
Unlocking Growth
for our Customers
Use Cases
The trusted payments & banking partner for your industry
CRYPTO
Trading
PSPs
Globale Marketplaces
CRYPTO
Enable secure, seamless fiat on-ramps and off-ramps with Ivy’s instant payments solution. Settle in fiat or USDC with full regulatory compliance and advanced banking capabilities, such as localized IBANs and stablecoin settlements.
TRADING
Make deposits and withdrawals effortless with Ivy’s instant payment solution. Leverage multi-currency accounts and localized IBANs to support efficient and reliable transaction flows for traders.
PSPs
Drive growth with Ivy's real-time bank payments, reaching over 90% of European account holders. Tap into global banking capabilities and deliver white-label solutions with bank-grade security, all through a single API.
GLOBAL MARKETPLACES
Boost conversion rates and reduce costs with Ivy’s instant account-to-account payments. Enable frictionless cross-border payments for global buyers and sellers while easing reconciliation and refunds.
Use Cases
The trusted payments & banking partner for your industry
CRYPTO
Trading
PSPs
Globale Marketplaces
CRYPTO
Enable secure, seamless fiat on-ramps and off-ramps with Ivy’s instant payments solution. Settle in fiat or USDC with full regulatory compliance and advanced banking capabilities, such as localized IBANs and stablecoin settlements.
TRADING
Make deposits and withdrawals effortless with Ivy’s instant payment solution. Leverage multi-currency accounts and localized IBANs to support efficient and reliable transaction flows for traders.
PSPs
Drive growth with Ivy's real-time bank payments, reaching over 90% of European account holders. Tap into global banking capabilities and deliver white-label solutions with bank-grade security, all through a single API.
GLOBAL MARKETPLACES
Boost conversion rates and reduce costs with Ivy’s instant account-to-account payments. Enable frictionless cross-border payments for global buyers and sellers while easing reconciliation and refunds.
Use Cases
The trusted payments & banking partner for your industry
CRYPTO
Trading
PSPs
Globale Marketplaces
CRYPTO
Enable secure, seamless fiat on-ramps and off-ramps with Ivy’s instant payments solution. Settle in fiat or USDC with full regulatory compliance and advanced banking capabilities, such as localized IBANs and stablecoin settlements.
TRADING
Make deposits and withdrawals effortless with Ivy’s instant payment solution. Leverage multi-currency accounts and localized IBANs to support efficient and reliable transaction flows for traders.
PSPs
Drive growth with Ivy's real-time bank payments, reaching over 90% of European account holders. Tap into global banking capabilities and deliver white-label solutions with bank-grade security, all through a single API.
GLOBAL MARKETPLACES
Boost conversion rates and reduce costs with Ivy’s instant account-to-account payments. Enable frictionless cross-border payments for global buyers and sellers while easing reconciliation and refunds.
Use Cases
The trusted payments & banking partner for your industry
CRYPTO
Trading
PSPs
Globale Marketplaces
CRYPTO
Enable secure, seamless fiat on-ramps and off-ramps with Ivy’s instant payments solution. Settle in fiat or USDC with full regulatory compliance and advanced banking capabilities, such as localized IBANs and stablecoin settlements.
TRADING
Make deposits and withdrawals effortless with Ivy’s instant payment solution. Leverage multi-currency accounts and localized IBANs to support efficient and reliable transaction flows for traders.
PSPs
Drive growth with Ivy's real-time bank payments, reaching over 90% of European account holders. Tap into global banking capabilities and deliver white-label solutions with bank-grade security, all through a single API.
GLOBAL MARKETPLACES
Boost conversion rates and reduce costs with Ivy’s instant account-to-account payments. Enable frictionless cross-border payments for global buyers and sellers while easing reconciliation and refunds.
Coverage
Unmatched connectivity, global reach
400m
Customers
28
countries
5000 +
BANKS
Coverage
Unmatched connectivity, global reach
400m
Customers
28
countries
5000 +
BANKS
Coverage
Unmatched connectivity, global reach
400m
Customers
28
countries
5000 +
BANKS
Coverage
Unmatched connectivity, global reach
400m
Customers
28
countries
5000 +
BANKS
Built by developers,
for developers
Save engineering time with our simple API. One contract, one integration.
“Throughout my tenure at Mollie, I have integrated approximately 20 new APMs. Ivy's onboarding and integration process was particularly noteworthy due to its clear documentation and the reliable execution by their team.”
Johannes Claudi
Principal Product Manager
Built by developers,
for developers
Save engineering time with our simple API. One contract, one integration.
“Throughout my tenure at Mollie, I have integrated approximately 20 new APMs. Ivy's onboarding and integration process was particularly noteworthy due to its clear documentation and the reliable execution by their team.”
Johannes Claudi
Principal Product Manager
Built by developers,
for developers
Save engineering time with our simple API. One contract, one integration.
“Throughout my tenure at Mollie, I have integrated approximately 20 new APMs. Ivy's onboarding and integration process was particularly noteworthy due to its clear documentation and the reliable execution by their team.”
Johannes Claudi
Principal Product Manager
Built by developers,
for developers
Save engineering time with our simple API. One contract, one integration.
“Throughout my tenure at Mollie, I have integrated approximately 20 new APMs. Ivy's onboarding and integration process was particularly noteworthy due to its clear documentation and the reliable execution by their team.”
Johannes Claudi
Principal Product Manager
FAQ
Frequently asked
questions
What is an instant payment?
An instant payment is a type of money transfer that happens in real-time, usually within seconds. It works 24/7, even on weekends and holidays, letting people or businesses send and receive money almost immediately. It's a faster, more convenient option compared to traditional bank transfers.
How does an instant payment work?
An instant payment transfers funds directly from a user’s bank to a merchant’s account in real time. The user selects "Instant Payment" at checkout, chooses their bank, and authenticates via online banking. Funds settle instantly. Alternatively, a manual transfer to a user-specified IBAN ensures quick reconciliation.
What are the benefits of instant payments?
Instant payments are fast, reliable, and always available. They help people get paid quickly, manage their money better, and avoid delays. Businesses benefit too, with quicker access to funds and better cash flow. Overall, they make paying and getting paid simpler and more efficient for everyone.
Can you recall an instant payment?
In most cases, instant payments are designed to be final once processed, since funds are credited to the recipient almost immediately. Whether a payment can be recalled depends on the specific circumstances and the rules of the banks or networks involved. If an error occurs, resolution generally requires working with your financial institution and, in some cases, the recipient’s institution as well.
How much does an instant payment cost?
The cost of instant payments depends on your payment provider and region. In the EU, new regulation requires that instant payments cannot cost more than standard credit transfers. Outside the EU, fees may vary, but instant payments are generally lower cost than credit cards or digital wallets.
What is the Instant Payments Regulation?
The Instant Payments Regulation is an EU legislative initiative aiming to make instant euro payments widely accessible, affordable, and secure. It requires banks and payment service providers to offer real-time payment services and prohibits extra fees compared to standard transfers, promoting financial inclusion and modernizing Europe’s payment landscape.
FAQ
Frequently asked
questions
What is an instant payment?
An instant payment is a type of money transfer that happens in real-time, usually within seconds. It works 24/7, even on weekends and holidays, letting people or businesses send and receive money almost immediately. It's a faster, more convenient option compared to traditional bank transfers.
How does an instant payment work?
An instant payment transfers funds directly from a user’s bank to a merchant’s account in real time. The user selects "Instant Payment" at checkout, chooses their bank, and authenticates via online banking. Funds settle instantly. Alternatively, a manual transfer to a user-specified IBAN ensures quick reconciliation.
What are the benefits of instant payments?
Instant payments are fast, reliable, and always available. They help people get paid quickly, manage their money better, and avoid delays. Businesses benefit too, with quicker access to funds and better cash flow. Overall, they make paying and getting paid simpler and more efficient for everyone.
Can you recall an instant payment?
In most cases, instant payments are designed to be final once processed, since funds are credited to the recipient almost immediately. Whether a payment can be recalled depends on the specific circumstances and the rules of the banks or networks involved. If an error occurs, resolution generally requires working with your financial institution and, in some cases, the recipient’s institution as well.
How much does an instant payment cost?
The cost of instant payments depends on your payment provider and region. In the EU, new regulation requires that instant payments cannot cost more than standard credit transfers. Outside the EU, fees may vary, but instant payments are generally lower cost than credit cards or digital wallets.
What is the Instant Payments Regulation?
The Instant Payments Regulation is an EU legislative initiative aiming to make instant euro payments widely accessible, affordable, and secure. It requires banks and payment service providers to offer real-time payment services and prohibits extra fees compared to standard transfers, promoting financial inclusion and modernizing Europe’s payment landscape.
FAQ
Frequently asked
questions
What is an instant payment?
An instant payment is a type of money transfer that happens in real-time, usually within seconds. It works 24/7, even on weekends and holidays, letting people or businesses send and receive money almost immediately. It's a faster, more convenient option compared to traditional bank transfers.
How does an instant payment work?
An instant payment transfers funds directly from a user’s bank to a merchant’s account in real time. The user selects "Instant Payment" at checkout, chooses their bank, and authenticates via online banking. Funds settle instantly. Alternatively, a manual transfer to a user-specified IBAN ensures quick reconciliation.
What are the benefits of instant payments?
Instant payments are fast, reliable, and always available. They help people get paid quickly, manage their money better, and avoid delays. Businesses benefit too, with quicker access to funds and better cash flow. Overall, they make paying and getting paid simpler and more efficient for everyone.
Can you recall an instant payment?
In most cases, instant payments are designed to be final once processed, since funds are credited to the recipient almost immediately. Whether a payment can be recalled depends on the specific circumstances and the rules of the banks or networks involved. If an error occurs, resolution generally requires working with your financial institution and, in some cases, the recipient’s institution as well.
How much does an instant payment cost?
The cost of instant payments depends on your payment provider and region. In the EU, new regulation requires that instant payments cannot cost more than standard credit transfers. Outside the EU, fees may vary, but instant payments are generally lower cost than credit cards or digital wallets.
What is the Instant Payments Regulation?
The Instant Payments Regulation is an EU legislative initiative aiming to make instant euro payments widely accessible, affordable, and secure. It requires banks and payment service providers to offer real-time payment services and prohibits extra fees compared to standard transfers, promoting financial inclusion and modernizing Europe’s payment landscape.
FAQ
Frequently asked
questions
What is an instant payment?
An instant payment is a type of money transfer that happens in real-time, usually within seconds. It works 24/7, even on weekends and holidays, letting people or businesses send and receive money almost immediately. It's a faster, more convenient option compared to traditional bank transfers.
How does an instant payment work?
An instant payment transfers funds directly from a user’s bank to a merchant’s account in real time. The user selects "Instant Payment" at checkout, chooses their bank, and authenticates via online banking. Funds settle instantly. Alternatively, a manual transfer to a user-specified IBAN ensures quick reconciliation.
What are the benefits of instant payments?
Instant payments are fast, reliable, and always available. They help people get paid quickly, manage their money better, and avoid delays. Businesses benefit too, with quicker access to funds and better cash flow. Overall, they make paying and getting paid simpler and more efficient for everyone.
Can you recall an instant payment?
In most cases, instant payments are designed to be final once processed, since funds are credited to the recipient almost immediately. Whether a payment can be recalled depends on the specific circumstances and the rules of the banks or networks involved. If an error occurs, resolution generally requires working with your financial institution and, in some cases, the recipient’s institution as well.
How much does an instant payment cost?
The cost of instant payments depends on your payment provider and region. In the EU, new regulation requires that instant payments cannot cost more than standard credit transfers. Outside the EU, fees may vary, but instant payments are generally lower cost than credit cards or digital wallets.
What is the Instant Payments Regulation?
The Instant Payments Regulation is an EU legislative initiative aiming to make instant euro payments widely accessible, affordable, and secure. It requires banks and payment service providers to offer real-time payment services and prohibits extra fees compared to standard transfers, promoting financial inclusion and modernizing Europe’s payment landscape.
READY FOR THE FUTURE OF MONEY?
READY FOR THE FUTURE OF MONEY?
READY FOR THE FUTURE OF MONEY?
READY FOR THE FUTURE OF MONEY?
Money, at internet speed
INTEGRATION
Copyright © 2025 Ivy GmbH. All rights reserved.
Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.
Money, at internet speed
INTEGRATION
Copyright © 2025 Ivy GmbH. All rights reserved.
Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.
Money, at
internet speed
INTEGRATION
Copyright © 2025 Ivy GmbH. All rights reserved.
Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.
Money, at internet speed
INTEGRATION
Copyright © 2025 Ivy GmbH. All rights reserved.
Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.