Bank-to-bank.
One API. Zero friction
Rex uses open banking rails to initiate secure account-to-account transfers — directly from your customer's bank app to your business account.
Customer
Selects their bank
REX
Secure API bridge
Your business
Instant settlement
Live across Europe
Direct bank connections in 18 markets, with more launching every quarter.
> 1500
Connected banks
95%+
Bank coverage in core markets
25
European markets live
Open Banking payments platform
Payments
without barriers
Connect your business directly to your customers' bank accounts. No card networks. No chargebacks. No unnecessary gatekeeping.
Tired of hearing "no"?
Rex takes a different approach
High fees, rolling reserves, account freezes, and opaque underwriting slow you down — or shut you out entirely.
Rex takes a different approach: fast, secure, bank-to-bank payments with no merchant blacklists, no punitive reserves, and no surprise terminations. Built to work for you from day one.
Traditional payments
High fees
Rolling reserves
Slow onboarding
Chargebacks
MCC restrictions
T+3 settlement
Routing
Engine
Open Banking
Lower fees
All industries
Fast onboarding
Zero chargebacks
Privacy for users
Instant settlement
Trusted by banks and payment networks across Europe
Built for modern commerce
No chargebacks
Every payment is authenticated by the customer through their own banking app with biometric verification. Fraudulent
disputes become a thing of the past.
Lower fees
Without card networks taking their cut, transaction costs drop significantly. No interchange fees. No scheme fees. Just simple, transparent pricing.
Instant settlement
Funds arrive in your account in real time. No T+3 waiting periods, no batch processing delays, no cash flow anxiety.
Every Industry welcome
We don't believe in blanket restrictions.
If your business is legal and licensed, Rex is built to serve you — regardless of your merchant category.
Three steps
Ten seconds
A seamless payment flow that customers trust and merchants love.
Select bank
At checkout, your customer clicks "Pay with Rex" and selects their bank from 2,000+ supported institutions across Europe.
Authenticate
They confirm the payment in their own
banking app using Face ID, fingerprint, or PIN. No card details entered. No data to steal.
Instant transfer
Funds move directly from their account to yours. Settled immediately. Confirmed in real time. Done.
Ship payments in hours, not months
Clean RESTful API, comprehensive docs, and a sandbox that works exactly like production.
create-payment.js
// Create a payment in 4 lines const payment = await
rex.payments.create({ amount: 4999, currency: 'EUR', description:
'Order #1234', redirect_url: 'https://shop.com/done', webhook_url:
'https://shop.com/webhook', }); // Redirect customer to bank
selection redirect(payment.checkout_url); // Payment confirmed via
webhook // Status: succeeded | Amount: €49.99 // Settlement:
instant
Complete Documentation
Every endpoint documented with examples, error codes, and best practices.
Sandbox Environment
Test everything before going live. Simulates real bank responses and edge cases.
Webhooks & Events
Real-time notifications for payment status changes, settlements, and refunds.
SDKs & Plugins
Official libraries for Node.js, Python, PHP, and .NET. Plugins for Shopify, WooCommerce, and more.
>10s+
for most payments completing across global networks
(01)
25+
countries where we can send and receive international wire transfers
(02)
1500+
banking jurisdictions and payment networks relationships for your entity
(03)
Your business deserves
banking it can trust
Open your account in 48 hours. FCA-authorised infrastructure, and a compliance team that speaks your language.
Trusted by merchants
worldwide
★ ★ ★ ★ ★
"We spent months getting declined by card
acquirers. Rex had us processing payments
within a week — no reserves, no restrictions, no
drama."
James Mitchell
CEO, Digital Commerce Platform
★ ★ ★ ★ ★
"Conversion jumped 28% the first month after
switching to Rex. Players love the instant
deposits, and we love zero chargebacks. It's a
no-brainer."
Stefan Kovacs
COO, Gaming Operator
★ ★ ★ ★ ★
"The API is clean, the docs are excellent, and we
went live in under 48 hours. Finally a payment
provider that respects developers' time."
Laura Reyes
CTO, FinTech Startup
Common questions
We've distilled the most common questions.
Can't find what you need?
What is open banking and how does Rex use it?
Which industries do you accept?
How long does onboarding take?
Are there rolling reserves or holdbacks?
What happens if a customer wants a refund?
Which countries and banks are supported?
Your business deserves better payments
No lengthy underwriting. No merchant category blacklists. Just fast, secure, bank-to-bank payments that work.
Routing
Engine
Open payments for everyone. Secure bank-to-bank transactions across Europe, built for businesses that demand more from their payment infrastructure.
Product
Company
© 2026 Rex Payments Ltd. All rights reserved.