Ivy on File

Easy & Flexible Recurring Payments

Manage flexible recurring payments with low friction and high flexibility through Open Banking.

More secure than Direct Debit. Cheaper than cards.

Benefits of Ivy on File..

Mitigate Payment Failures

Verification of bank accounts and elimination of manual data entry allows for a reliable and de-risked direct debit experience.

Boost Recurring Revenues

Intuitive UX, flexible use cases, and leading connectivity through smart routing deliver high conversion and maximum customer lifecycles.

Automate Management

A single API, intuitive dashboards, and high flexibility make managing recurring payments and mandates simple and cost-efficient.

An illustration from Carlos Gomes Cabral
An illustration from Carlos Gomes Cabral
An illustration from Carlos Gomes Cabral
An illustration from Carlos Gomes Cabral

01.

Select 'Pay by Bank'

Choose Ivy’s "Pay by Bank" in checkout. Trusted local banks create confidence and drive conversion.

02.

Choose your bank

03.

Authorise payment & direct debit mandate

04.

Success!

An illustration from Carlos Gomes Cabral
An illustration from Carlos Gomes Cabral
An illustration from Carlos Gomes Cabral
An illustration from Carlos Gomes Cabral

01.

Select 'Pay by Bank'

Choose Ivy’s "Pay by Bank" in checkout. Trusted local banks create confidence and drive conversion.

02.

Choose your bank

03.

Authorise payment & direct debit mandate

04.

Success!

01.

Select 'Pay by Bank'

Choose Ivy’s "Pay by Bank" in checkout. Trusted local banks create confidence and drive conversion.

02.

Choose your bank

03.

Authorise payment & direct debit mandate

04.

Success!

01.

Select 'Pay by Bank'

Choose Ivy’s "Pay by Bank" in checkout. Trusted local banks create confidence and drive conversion.

02.

Choose your bank

03.

Authorise payment & direct debit mandate

04.

Success!

Use cases

Subscription Payments

Ivy on File offers an automated subscription payment solution, to ensure a smoother and safer Direct Debit experience at better margins. Your customers make a secure one-off payment and authorise a Direct Debit mandate for future payments in one simple journey.

One-Click Payments

Ivy on File enables secure one-click payments, driving repeat purchases at lower costs than traditional cards and wallets. By tokenising your customer’s bank, effortless one-click checkout is possible for returning customers, increasing conversion and retention.

Built by developers, for developers

Easily integrate with our state-of-the-art API, or with one of our plug-in partners.

Built by developers, for developers

Easily integrate with our state-of-the-art API, or with one of our plug-in partners.

Built by developers, for developers

Easily integrate with our state-of-the-art API, or with one of our plug-in partners.

Built by developers, for developers

Easily integrate with our state-of-the-art API for a cutting-edge recurring payment journey.

Ready to transform your payments?

Connect with an Ivy expert today and discover how we can elevate your business through seamless Open Banking solutions.

Ready to transform your payments?

Connect with an Ivy expert today and discover how we can elevate your business through seamless Open Banking solutions.

Ready to transform your payments?

Connect with an Ivy expert today and discover how we can elevate your business through seamless Open Banking solutions.

Ready to transform your payments?

Connect with an Ivy expert today and discover how we can elevate your business through seamless Open Banking solutions.

Ready to supercharge your recurring payment plans?

Connect with an Ivy expert today and discover how we can elevate your business through seamless Open Banking solutions for recurring payments.

Copyright © 2024 Ivy GmbH. All rights reserved.


Ivy GmbH partners with regulated financial companies for the issuance of electronic money and payment services. These partners include Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorized and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) and Swan a simplified joint-stock company (SAS) registered with the Bobigny Trade and Companies Register under number 853 827 103. 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 – for more information please see the Modulr or Swan Introduced Client Terms.

Copyright © 2024 Ivy GmbH. All rights reserved.


Ivy GmbH partners with regulated financial companies for the issuance of electronic money and payment services. These partners include Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorized and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) and Swan a simplified joint-stock company (SAS) registered with the Bobigny Trade and Companies Register under number 853 827 103. 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 – for more information please see the Modulr or Swan Introduced Client Terms.

Copyright © 2024 Ivy GmbH. All rights reserved.


Ivy GmbH partners with regulated financial companies for the issuance of electronic money and payment services. These partners include Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorized and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) and Swan a simplified joint-stock company (SAS) registered with the Bobigny Trade and Companies Register under number 853 827 103. 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 – for more information please see the Modulr or Swan Introduced Client Terms.

Copyright © 2024 Ivy GmbH. All rights reserved.


Ivy GmbH partners with regulated financial companies for the issuance of electronic money and payment services. These partners include Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorized and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) and Swan a simplified joint-stock company (SAS) registered with the Bobigny Trade and Companies Register under number 853 827 103. 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 – for more information please see the Modulr or Swan Introduced Client Terms.