In this article we will cover:
What is Pay By Bank?
Pay by Bank is a secure, instant way for your clients to transfer funds directly from their bank account to your firm's account - without the need for card details or manual transfers.
Legl partners with Banked, using Open Banking technology to deliver fast, safe payments with minimal effort for both you and your clients.
How do I enable Pay by Bank?
To get started:
Contact the Legl Support Team at [email protected].
We’ll guide you through enabling Pay by Bank and collecting the required information.
How do I take a payment via Pay by Bank?
Once enabled, Pay by Bank will automatically appear as a payment option on your Pay Request links.
When sending a Pay Request:
Clients can select Pay by Bank or Pay by Card (if under your firm's card payment limit).
If the payment amount exceeds your firm's card limit, only Pay by Bank will be available.
👉 For questions about card limits, please email [email protected].
Learn more about creating Pay Requests here.
How does a client pay via Pay by Bank?
If your client selects Pay by bank as their preferred payment method, they will be taken through the following steps:
Step 1: Choose your Bank
The client selects their bank from a list.
Step 2: Connect with your Bank
They are securely redirected to their bank's online banking platform or app.
Step 3: Authorise the payment
The client logs in and approves the payment. They can also select which bank account to pay from if they have multiple.
Step 4: Confirmation that the payment is complete
Once authorised, the client sees a confirmation screen and receives an email receipt immediately.
Benefits of Pay by Bank
✅ Instant Payments - Payments are confirmed in real time.
✅ No Card Details Needed - Reduces fraud risks and manual errors.
✅ Secure - Uses strong customer authentication (SCA) through clients' trusted banking apps.
✅ Lower Fees - Often cheaper than card payments.
FAQs
Is Pay by Bank secure?
Yes. Payments are authorised through the client’s bank using their normal security methods (biometrics, PIN, etc.). Legl and Banked never have access to client banking credentials.
Which banks are supported?
Most UK banks, including Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, and more.
Is there a fee for clients?
No. Clients do not pay any additional charges for using Pay by Bank.
Can clients use Pay by Bank on a mobile?
Absolutely. Pay by Bank is designed to work smoothly across smartphones, tablets, and desktops.
What if the payment fails?
Clients will be notified immediately and can retry or choose another payment method.
Watch an example flow of the client experience
For further assistance, please contact us at [email protected].