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In Europe, trust at checkout doesn’t start with a card.
It starts with the bank.

European consumers are used to paying online through their own bank, using familiar authentication flows and clear confirmation screens. That’s why Pay by Bank has become a preferred way to pay across Europe - not as an alternative, but as a trusted standard.

Trust Is Built at the Bank Level

When customers pay with Open Banking, they are redirected to their own bank to approve the payment. They authenticate using the same method they trust for everyday banking and see the exact payment details before confirming.

With DPMax, this experience is delivered consistently across Europe:

• No card numbers to enter
• No unfamiliar payment flows
• Bank-level authentication
• Instant confirmation

For consumers, seeing their bank involved in the payment is a strong trust signal - especially when buying from a new merchant.

Cards Feel Familiar - Until They Don’t

Cards still play a role in European e-commerce, but they increasingly introduce friction. Declines, and often unclear error messages can interrupt the checkout experience and create doubt at the moment of payment.

Bank payments remove much of that uncertainty. The customer stays in control, approves the payment directly with their bank, and knows immediately when the transaction is complete.

That confidence makes a difference.

Regulation Shaped Consumer Expectations

European regulation, including Strong Customer Authentication (SCA), normalized secure, bank-led payment flows. As a result, consumers now expect transparency, control, and confirmation as part of any online payment.

Open Banking was built around these expectations from the start. Cards have had to adapt.

What This Means for Merchants

For merchants selling to Europe, offering Pay by Bank isn’t about replacing cards. It’s about aligning with how European consumers already expect to pay.

DPMax makes this simple by offering Open Banking as a single payment method with full European bank coverage - through one integration. The result is a checkout experience that feels familiar, trusted, and frictionless for European customers.

Because when customers trust the payment flow, hesitation disappears.
And that’s when it’s love at first checkout.

📩 Talk to our team: sales@alternativepayments.com