Starling Payment Services unites our banking licence, payments expertise and tech with your financial product – so you can spend more time building your business.

We believe payments should be secure and in real-time, always. Using our APIs, you’ll be able to quickly integrate into UK and European payment schemes to access...

Payment Services

Real-time access to payment schemes

Banking-as-a-Service

Straightforward account opening and transaction processing

Want to find out more? Get in touch at [email protected]

Payment Services

We’re the first challenger bank to be a direct member of the Faster Payments Service and the only provider of real-time access to Faster Payments through APIs.

Our Payment Services offers corporates, governments, e-money licence holders and financial institutions real-time access to all the main payment schemes in the UK and Europe.

  • Real-time access to Faster Payments and direct access to Bacs and Single Euro Payments Area (SEPA)
  • Simple integration with our secure and PSD2-compliant RESTful APIs
  • Straightforward onboarding - you’ll typically be live in around 8-10 weeks
  • Simple and transparent pricing with zero capital investment required
  • Unique addressable sort codes that help to improve reconciliation

Banking-as-a-Service

We’ve built our customer-focused banking platform from the ground up. Our accounts are protected by the Financial Services Compensation Scheme (FSCS) and allow you to build your own financial product, fully supported by our scalable technology and secure APIs.

We’ll take on all the regulatory aspects, scheme compliance, Anti Money Laundering (AML), and Know Your Customer (KYC) so you can zero in on your user interface, customer experience, PR and marketing.

  • A fully-operational bank account with an account number and sort code
  • We conduct all AML/KYC checks; your customer will be opening a Starling account
  • FSCS protection up to £85,000
  • Access to Faster Payments and Bacs

Starling Faster Payments

Through our API you’ll have access to Faster Payments: all users will be able to send and receive money instantly.

Starling Faster Payments

You’ll get access to Bacs: a system in the UK for Direct Debits and Direct Credits, operated by Bacs Payment Schemes Limited.

Starling Faster Payments

You’ll have access to SEPA: the single payments scheme allowing for easy and secure cross-border Euro payments across Europe.

Our integration partners include:

Bankable logoRailsbank logoForm 3 logo