Bank payments as a second rail.
Bank-to-bank payments have no card-scheme chargeback mechanism, lower fees and no MATCH list. For high-risk and high-ticket businesses they are both a conversion tool and a resilience layer that keeps revenue flowing if card acquiring is interrupted. KLAUDE adds ACH/eCheck in the US, SEPA in Europe and open banking where available.
US ACH and eCheck
Debit customers' bank accounts directly, with verification tools to reduce returns.
SEPA and open banking (Europe/UK)
Instant account-to-account payments with strong customer authentication built in.
No chargebacks
Returns exist, but there is no card dispute process and no scheme monitoring programme.
Backup to cards
Keep accepting payments even if a card acquirer changes terms or terminates.
Related products
All productsCard acquiring
Visa, Mastercard and local card schemes through acquiring relationships matched to your business model and markets.
Learn moreGlobal payments
Accept payments from customers in Europe, the UK, North America, LATAM and APAC through one relationship.
Learn moreAlternative payment methods
Wallets, bank transfers, open banking, instalments and local methods that lift conversion in each market.
Learn more