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Bill payments

Build simple, smarter and trusted bill payment experiences

Our secure API automates manual bill payment processes and gives full transparency of payment activity, saving valuable resources and increasing efficiency for payment initiation service providers. With Mastercard as your trusted innovation partner, you can increase conversion and profitability. And through our technology capabilities and global data and payments network, you can offer more payment choices to more people for growth at scale.


Mastercard Open Banking Solutions support your business to initiate fast and easy bill payments at the click of a button through a simple, secure API, offering more payment choice, flexibility and convenience for you and your customers — with a branded, customised user journey fully integrated into your existing platform.

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One simple, secure API

  • Users authenticate directly with their bank via our secure open banking integration.
  • One API connects to multiple payment rails, like domestic schemes, SEPA and SEPA instant.
  • Enables frictionless settlements.

Transparent and flexible payments

  • Your customers can choose how they pay by either tapping a button or scanning a QR code and avoiding filling out long forms or manual data entry.
  • We ensure that the link can only be paid once, and we provide full transparency on all the unique payment attempts.
  • Open banking flows allow payees to see a full overview of which bank and which account that they can pay from.
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Easy reconciliation

  • API includes payment references, data status and account details to simplify reconciliation process.
  • Digital reconciliation process reduces errors, saving time and money.

Protect your revenue

  • Open banking is a cost-effective solution with a fixed fee per transaction.
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Customised user journey

  • Accept payments through any channel.
  • Customise expiry of the link — up to one year in advance.
  • Fully brand the payment journey — including logo, colour scheme and font.

Explore the key benefits

Boost conversion

Mastercard Open Banking Solutions offer more payment choice and a seamless customer experience directly embedded into your payment flow that both billers and payers can trust.

Operational efficiencies

With Mastercard Open Banking Solutions, billers can manage their cash flow better, increase collection speeds and operate more efficiently thanks to simpler and more accurate reconciliation processes.

Cost-effective solution

Using open banking means no chargebacks, and with our fixed-fee structure even more savings can be gained.

Expansion opportunities

With Mastercard’s global data and payments network and bespoke consulting services, partnering with us makes it easy for you to scale your business with confidence.

Visma Dinero Customer Testimonial on Mastercard Open Banking Bill Payments

Customer stories

Transforming bill payments with open banking

How Visma Dinero took the hassle out of invoicing with Pay by Link.