Top-up payments

Smarter payment experiences

Open banking transforms payment experiences, enabling instant funding into the chosen account so your customers can access your service faster than ever.

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Features

Mastercard Open Banking Solutions support your business to initiate payments through a simple, secure payment API, bringing increased payment options for you and your customers, all through a single interface.

Fast, frictionless top-up payments

Our solution allows your users to top up their account directly in your environment using our streamlined payment experience to increase conversion.
Instant confirmation that your account has been funded.

Seamless experience through a single API

One simple API integration to connect to thousands of banks and multiple payment rails.
No need to worry about defining separate APIs for separate payment rails, such as instant payments, SEPA or domestic schemes. With Mastercard’s Open Banking Solutions, everything is possible through a single, secure connection.*

*Capabilities vary depending on open banking product.

Abstract image depicting Mastercard's APIs

Protect your revenue

Open banking is a cost-effective solution with a fixed fee per transaction.

Mastercard Open Banking Solutions enables your customers to instantly fund their account in seconds with a service they can trust, for a whole host of top-up payment use cases:

Digital wallet

Investment account

Pension fund

Savings account

Gaming account

Credit card bill payments

Explore the key benefits

Boost conversion

Faster funding with full payment transparency allows users to top up in a few clicks and authenticate without the need for long forms or manual data entry.
Give users access to a seamless payment experience directly embedded into your payment flow.

Operational efficiencies

Easy onboarding through a simple API integration into your existing platform.
Increase conversion rates through a simple API integration and offer your users an easy-to-use, easy to understand payment experience they can trust.
Removes the risk of human error, as no payment details need to be manually entered by the payee.

Cost-effective solution

Top-up payments offer fixed-fee structures.

Expansion opportunities

With Mastercard’s global data and payments network and bespoke consulting services, partnering with us makes it easy for you to scale your business with confidence.

Try our demo

Take our top-up payments demo for a spin and see how seamless it is to top up accounts online with open banking.

Case studies

Case study

How Saxo Bank offers seamless top-up payments for investment accounts

Learn more