Shopify access
Offer your merchants a white-labeled Shopify payment app for Pay by Bank at checkout.
I'm a
Extend your Pay by Bank coverage where you don't have rails.
Quidkey gives PSPs and fintechs the rails, accounts, and merchant tooling to launch Pay by Bank, US local settlement, embedded checkout, and Shopify access without rebuilding their stack.
- White-labeled under your brand
- US, UK, EU, AU market access
- API first , portal optional
- SOC 2 Type II audited
Trusted by merchants. Powered by partners.
SKUTopia
TransferMate
Grace & Co
Tryp.comVisa
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FumoPay
Shopify
NetSuite
QuickBooks PARTNER OFFERING
Pick what your stack is missing.
Six building blocks. Take one, take all six. White-labeled under your brand, via our Partner API or a hosted portal.
Settlement & refund accounts
Give merchants access to local collection, settlement, and refund accounts in the US, UK, EU, and AU.
Extended Pay by Bank coverage
Use your own rails where you have coverage. Use Quidkey, white-labeled, in the markets you do not support yet.
US Pay by Bank for non-US merchants
Help eligible non-US merchants collect from US customers with Pay by Bank and local US accounts. No US legal entity or US UBOs required.
Partner API or zero-integration portal
Use our Partner API to keep the full flow inside your product, or start with a white-labeled portal that requires no integration.
Merchant console & ledger
Tools to send payment links, manage accounts, view transactions, and handle FX, splits, refunds, payouts, and reconciliation.
US PAY BY BANK · DEDICATED FOCUS
Built around the US. For US and non-US merchants.
Most partner questions are about the US. The dominant US Pay by Bank rail is still ACH, and ACH chargebacks can be raised up to 60 days after settlement. So we built around that problem, and around helping businesses anywhere in the world collect from US customers.
- 01White-labeled US Pay by BankYour brand at checkout. ACH and instant Pay by Bank under the hood.
- 02Real-time risk on every paymentSub-second risk decision at the moment of authorization. Only low-risk payers admitted. Chargeback exposure cut across the 60-day ACH window.
- 03One-click after the first paymentSecond payment onwards is one click. No bank app, no redirect. Just a 2FA code. Customers stay inside checkout.
- 04For US and non-US merchantsUS merchants get local USD collection, settlement, and refund accounts. Eligible non-US merchants collect from US customers with no US legal entity, UBOs, or filing required.
- 05US local account accessLocal USD accounts for collection, settlement, refunds, and payouts. ACH return handling included.
MERCHANT ONBOARDING
Two ways to onboard your merchants.
Control everything end-to-end through the Partner API, or start with a white-labeled portal. No integration required.
APartner API
Quidkey is invisible. Your product is the only thing your merchants see.
// Onboard a merchant from your portal const merchant = await quidkey.merchants.create({ brand_name: "Example Brand", uri: "example-merchant.com", category_code: "4816", country: "AU", }); // → merchant created · KYB started, webhook fires
- KYB & onboarding APIs (or bring your own)
- Accounts, ledger, payments, refunds, payouts
- Webhooks + sandbox / production parity
BWhite-label portal
Your domain, your brand. We host the checkout and merchant console underneath.
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- Your domain · logo · colors
- Branded checkout + merchant console
- Live in a day, no integration
ARCHITECTURE
How it fits together.
Your product is the brand. Quidkey is the layer underneath. Your merchants never see us.
01 · YOU
Your brand
Portal & API, your domain
02 · QUIDKEY · INVISIBLE
Rails, accounts, ledger
White-labeled under your brand
03 · YOUR MERCHANTS
They accept Pay by Bank
Onboarded by you
RailsUS ACH · UK FPS · EU SEPA Instant · AU PayTo
NEXT STEP
Become a partner. Live in days.
We're onboarding PSPs and fintechs across the US, UK, EU, and AU. Book a 30-minute call to talk through your coverage gaps and a path to production.