Payment Rails

Access to Europe’s leading payments rails means your customers can move money quicker and cheaper than anyone else in the market
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Choose exactly how your customers make and receive payments. The Contis Banking-as-a-Service platform connects to Europe’s primary payment rails, meaning you can create your own fully bespoke programme.  

From instant Peer-to-Peer and Faster Payments to SEPA, BACS, CHAPS and Direct Debit, integrate the payments options you want. 


  • Instant Payments With P2P and Faster Payments, give your customers a truly frictionless experience
  • Choice – Use our standalone payments connectivity or build a full customer-facing proposition with payments at its core. The choice is yours
  • Go global – With international payments and currency conversion, the Contis platform can support you wherever your business grows
  • Flexibility – Available via APIs or our white-label mobile app

Key platform features

SEPA Direct Debit

Europe-wide Direct Debit system that allows merchants to collect Euro-denominated payments from accounts in the 34 SEPA countries and associated territories. 

SEPA Credit Transfer

This scheme enables pan-European credit transfers with the funds made available on the receiving account the next working day.

Faster Payments

Payment method used for UK transactions, up to £250,000 – transfers in seconds


Payment method typically used for high value transactions, in GBP, in the UK – same day transfers.


The oldest and best known payments system in the country, used for bank transfers within the UK – transfers take 3 working days.

Direct Debit

An arrangement made with a bank that allows a third party to transfer money from a person’s account on agreed dates 


PayPoint offers in store payment services for consumers, including cash deposits.  


Electronic money transfers made from one person to another through the Contis network 

QR Pay

An innovative transfer solution allowing to request and send money using QR codes 

International Payments

Allows customers to convert sterling (GBP) and send the funds to over 30 currencies and send to over 50 countries on 5 continents. 

Mobile Payments

Contis offers Apple Pay, Google Pay and Samsung pay for all cards issued. This allows customers to pay securely using their mobile phone or other devices.

Payment Cards

Issued by Contis, allows customers to access the funds in their accounts, make payments, and withdraw cash at ATMs. More info on our cards issuing page.

Contis Platform

Build your own solution from the most comprehensive banking-as-a-service platform in the market.

Embed next-generation payments technology at the heart of your business with our APIs.

Accounts & Features

Safeguarded, feature-rich accounts – Cardless ATM, budgeting tools, mobile app, etc

Cards Issuing

Visa or Mastercard, physical or virtual, debit or prepaid. Tokenisation, biometric, eco-friendly, and metal cards available

Card Processing

In house, EEA-wide with fully transparent fees with a market-leading 99.99% platform uptime

Payment Rails

Including Faster Payments, SEPA, BACS, CHAPS Direct Debit and Peer-to-Peer payments


Customer support, compliance (KYC, SCA), rewards, fraud management and professional services


Faster Payments

Quick transactions through a user-friendly API. Completely scalable and flexible to your organization’s needs


Award-winning paytech. Convert any asset to fiat automatically at point of sale to spend it instantly.

Contis Solutions

Explore industry-specific solutions and high-impact use cases from our modular Banking-as-a-Service platform.

Rapidly launch account, cards and payments services – whatever your business.

By Use Case

Challenge the Banks

Built on our modular e-money platform, get to market in weeks with next-gen accounts, cards, and skinnable app

Next-gen Crypto Debit Cards

No fees, no card loading, just frictionless instant crypto spending

Ecosystem Payments (P2P)

Keep and reward your customers in your own ecosystem with peer-to-peer payments and incentives

Instant Payments

Use virtual and physical cards or accounts to provide instant loan or insurance payments

Embedded Finance

Almost any business can integrate customer-facing financial services in just a matter of weeks

By Industry


We offer virtual cards and Faster Payments for instant claims, with greater control and data available for both client and customer


Contis replaces obsolete systems through our real-time, cloud-based platform, and rapidly adds cutting-edge cards and payments services

Building Societies

We work with over 150 Credit Unions and Building Societies to bring secure next-generation banking services to all of society

International Banks

Contis enables international banks to seize revenue opportunities in Europe through payments and cards services


We provide the backbone and licensing for account and card payment functions, getting fintechs to market in record time