Introducing transformer

Intelligent bank recognition

When a shopper chooses to pay by bank-issued debit or credit card at the checkout, Transformer intelligently recognises who they bank with.

A prompt then facilitates the switch to a real-time open banking payment, which is more cost effective for you and faster, easier and safer for your customers.

Shifting preferences

Why it’s needed

Merchants are lumbered with high card interchange fees, but they shouldn’t be. Open banking payments are their natural successor.

Card payments, though, are habitual for shoppers. Transformer is what’s needed to help them realise the benefits of choosing open banking.

seamless switch

Powerful prompts

The beauty of Transformer lies in its prompts, which help shoppers make a seamless switch to a superior payment method – at the perfect moment.

Repeat purchases

Shoppers keep coming back

Our data shows that 80% of shoppers who try open banking payments make repeat purchases, using the same method, within one month.


Fast, easy

How it works

Key benefits

Save money,
delight customers

Transformer liberates businesses from unnecessary fees while helping customers realise the benefits of open banking payments.


Bypass excessive debit and credit card interchange fees.


Showcase a payment method that shoppers keep returning to.


Real-time settlements: no more waiting for days.


Improve conversion by providing a faster, easier way to pay.

Fees saved 250k Graph

Fast, easy

Transformer use cases


OTAs & airlines

With high ATVs, online travel agents and airlines really feel the sting of high interchange fees. They also have the inevitable headache of customer cancellations and refunds.

Transformer facilitates the switch to real-time open banking payments and refunds – which dramatically accelerates cashflow.


Online gaming

Card deposits and withdrawals are the norm in online gaming. But their slow settlement times make prompt payouts tricky.

This isn’t good for gaming merchants or gamers. Transformer, however, offers seamless access to a superior alternative.


Car rental

Car rentals and longer-term subscriptions have established themselves as alternatives to car ownership – but high interchange fees mean merchants are feeling the pinch.

Transformer helps motorists understand that there’s an easier way to pay; one that, by virtue of near-instant settlements, gives them more control of their money.


E-commerce stores

Large retailers make thousands of sales every day. Imagine how much they could save on interchange fees if their customers were offered a seamless switch to open banking payments.

Smaller, specialist retailers with high ATVs also suffer. Why should they get disproportionally stung whenever they make a sale?


Our product suite

Scroll products left
Scroll products right

API integration

By developers,

for developers

Visit our developer hub to find out how to securely and reliably integrate our super gateway via a single API.


Get started now

Join the real-time revolution.
Give your customers a faster, easier and safer way to pay.

Get started