Overview
Lower fees and reduce churn with account‑to‑account payments and mandate management.
Problem
Card fees and expirations hurt margins and renewals; bank payments need verified mandates and clear UX.
Solution
PayStream supports ACH/SEPA debit and Pay by Bank via aggregators; customers create and verify mandates through secure flows.
How it works
Offer bank pay at checkout/HPP, verify micro‑deposits or instant auth, and store mandates in the vault. Dunning can switch renewals to bank pay on failure.
Who is this for
Finance / RevOps
Product Manager
Expected outcomes
- Lower processing costs
- Fewer expirations vs cards
Key metrics
Cost per transaction
2.9 % of GMV
0.8 % of GMV
Renewal success (bank vs card)
0 pp
4 pp
Gallery
Downloads & templates
Case studies
EnergySub lowers fees
SEPA mandates moved 35% of renewals off cards.
Utilities Enterprise EU
Security impact
- IBAN/Routing numbers (tokenized), mandates · PII: yes (financial)
Compliance
- NACHA/SEPA rules
- GDPR (financial data)
Availability & next steps
Business
Enterprise