Accept payments withzero fees
Let customers pay via bank transfer with 0% transaction fees. Automatic payment matching via Ponto means no manual reconciliation - payments are matched by reference code within minutes.
Bank Transfer Payment
How It Works
Bank transfers are automatically matched using unique reference codes
Customer Selects
Customer chooses Bank Transfer at checkout
Details Shown
Your IBAN, amount, and unique reference displayed
Transfer Made
Customer transfers via their banking app
Auto-Matched
Payment matched automatically within minutes
Fee Comparison
See how much you save with bank transfers
| Payment Method | €1,000 Invoice | €5,000 Invoice | €10,000 Invoice |
|---|---|---|---|
| Bank Transfer (Ponto) | €0 | €0 | €0 |
| Credit Card (Stripe) | ~€15 | ~€75 | ~€150 |
| PayPal | ~€29 | ~€145 | ~€290 |
| iDEAL (Mollie) | €0.29 | €0.29 | €0.29 |
Why Bank Transfers?
The zero-fee way to accept payments
0% Transaction Fees
Keep 100% of your payment. No percentage cut, no per-transaction fees from PayRequest.
Automatic Matching
Payments are matched using unique reference codes. No manual reconciliation needed.
3000+ Banks Supported
Works with most European banks through Ponto's open banking network.
Real-time Sync
Bank transactions sync automatically. Payments are detected within minutes.
PSD2 Compliant
Built on secure open banking infrastructure. Bank-level security.
Perfect for B2B
Professional clients prefer bank transfers for their accounting and audit trails.
Who Uses Bank Transfers?
Zero-fee payments work best for certain business types
B2B Businesses
Professional clients prefer bank transfers for their accounting and audit trails. Common in consulting, agencies, and wholesale.
High-Value Invoices
For invoices over €1,000, the fee savings become significant. Perfect for projects, retainers, and large orders.
Cost-Conscious Sellers
Freelancers and small businesses who want to keep 100% of their payment without any transaction fees.
European Markets
Strong bank transfer culture in Netherlands, Belgium, and Germany. Customers are familiar with IBAN payments.
Ready to accept zero-fee payments?
Connect Ponto and start accepting bank transfers with automatic payment matching. No transaction fees, no manual work.
0% transaction fees • Automatic matching • Cancel anytime