Ariv SmartPay

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You Focus on the Business. We’ll Secure the Profit.

Get the professional integrations and speed the giants use, at a price point built for independent businesses.

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£0

Activation costs

£0

Subscription & Installation fees, cancel anytime

0.2%

Transaction fee

Take Control of Every Transaction

Give your customers the choice to pay via bank or card, in-store or online. Streamline your operations with one simple dashboard and instant settlement.

Pay by link

Send SMS or email payment requests and get instant remote confirmation—all with lower transaction fees.

POS terminal

Accept cards and “Pay by Bank” in-person. Get instant confirmation and keep more of every sale.

QR Payments

Let customers scan to pay in-store. Reduce your card processing costs while enjoying real-time confirmation.

Online Checkouts

Deliver a secure checkout experience. Instant alerts, total security, and more profit in your pocket.

Pay by bank
Direct Bank-to-Bank Payments: The Modern Alternative to Card Networks

Pay by Bank is a secure, card-free payment method that allows your customers to authorize instant transfers directly from their own trusted banking app. It cuts out the middleman, reduces transaction fees, and puts your revenue into your account in real-time.

Lowest Fees: Skip expensive card networks and save on every sale.

Instant Settlements: Funds move to your account with no processing delays.

Bank-Grade Security: Every payment is authenticated via the customer’s bank app.

Zero Chargebacks: Biometric verification eliminates fraudulent payment disputes.

Choose Pay by bank
The customer selects “Pay by Bank” and redirected to their banking app.
Approve Securely
The payment is securely authorized using FaceID, Fingerprint, or a PIN.
Final Confirmation
The transaction is confirmed immediately, and funds arrive by the next day.

Choose Pay by bank
Approve Securely
Final Confirmation

How Pay by Bank works

Pay by Bank replaces manual card entry with a direct, encrypted link to your customer’s trusted banking app. By leveraging existing bank security, it allows for instant, biometric-verified transfers that settle in your account immediately without the high costs of traditional card networks.