Endoz is the open banking payment layer for fintechs, e-commerce stores, and digital businesses. Accept payments directly from your customers' bank accounts — with zero card fees, no chargebacks, and settlement in seconds, not days.
Every online business pays it. Most don't realise how much — until they see the numbers side by side.
Plus a fixed fee per transaction. For every £100,000 in card sales, £2,900+ disappears before you see it.
Your money sits in the processor's account while your cash flow waits. Growing businesses need capital moving, not parked.
Friendly fraud, disputes, fees. One in every 100 card transactions can be reversed — the cost lands on you.
Endoz connects directly to your customer's bank using regulated open banking APIs — so payments move between bank accounts, not through card networks.
No interchange. No card network markups. Just a single flat rate on every transaction.
Funds land in your account in seconds, not T+2. Real-time cash flow, zero float, zero waiting.
Bank-to-bank payments are push, not pull. Once settled, they're final — no disputes, no reversals.
RESTful, well-documented, production-ready. Go live in a day — with SDKs for Node, Python, and PHP.
Move the slider to your monthly transaction volume. See what you'd save switching to Endoz.
Assumptions: Card processing at 2.9% of volume + 0.3% chargeback losses (typical UK online card rates; yours may be higher). Endoz at a flat 0.5% indicative rate — your actual rate is confirmed on onboarding and depends on volume. Estimates shown for illustration only and do not constitute a guaranteed quote. Talk to us for custom pricing.
Three steps from your first API call to your first bank-to-bank payment.
Drop the Endoz SDK into your checkout or app. One-line integration for Shopify, WooCommerce, and custom builds. Webhooks ready out of the box.
Customers authorise payment securely through their own banking app — no card details, no PCI scope, no abandoned carts.
Funds land in your account in seconds. Reconciled, reported, and ready to deploy. No T+2, no holdbacks, no surprises.
Production-ready endpoints, predictable responses, full-featured sandbox. Your first payment works on your first try.
1// Accept a bank payment — one call. 2const payment = await endoz.payments.create({ 3 amount: 12480.00, 4 currency: "GBP", 5 reference: "ORDER-4521", 6 customer: { 7 email: "tunde@shop.co.uk", 8 name: "Tunde Adeyemi" 9 }, 10 redirect_url: "https://yourstore.co/success" 11}); 12 13// Redirect customer to bank auth → 14window.location = payment.auth_url; 15 16// Webhook: payment.settled (~8 seconds later) 17// Funds in your account. Zero card fees.
From single-SKU stores to regulated fintechs — one payment layer, many use cases.
Shopify, WooCommerce, Magento, BigCommerce. One-click install. Recover the margin card fees are eating.
Regulated businesses needing pay-in infrastructure without the card network tax or PCI burden.
Recurring bank payments with customer-authorised mandates. Lower churn from failed cards.
Split pay-ins across multiple merchants. Clean reconciliation. Built-in compliance tooling.
Three ways to start. No contracts, no setup costs. Your first month is on us when you book a demo.
Perfect for growing businesses testing the water.
For high-volume merchants and growing fintechs.
For £10M+ annual volume and regulated fintechs.
Indicative rates. Final pricing is confirmed on onboarding based on volume, risk profile, and use case.
We're hand-selecting 50 founding partners to build Endoz with us. You get lifetime locked-in pricing, direct roadmap influence, and our engineering team on speed-dial.
Illustrative testimonials from early partner conversations. Names and roles anonymised pending case study permissions.
Fifteen minutes with our team. Walk out with a working sandbox, custom pricing, and one full month of processing — free.
No credit card required. No contracts. Cancel anytime.