Bank-to-Bank Transfers

Simplify payments for businesses in the UK.


United Kingdom only

The following guides are for platforms operating in the UK.


Zai’s payment platform enables you to embed payments into your digital platforms and marketplaces once you're onboarded. For more information on integrating with Zai’s solution, check out the Get Started section of our docs.

Our solution allows your business to connect to the following electronic bank-to-bank transfer systems in the UK:

Faster Payments Service (FPS) - Connect to the UK’s newest payment system with us to receive instant, high-volume, low-value payments 24 hours a day, 7 days a week. Transactions are carried out easily online or through banking apps, making payments more efficient. Our API powers your payment workflow, enabling fast authentication, liquidity, payment, and settlement.

Bankers' Automated Clearing Services (Bacs) - Bacs is a reliable and trusted system for UK businesses to make high-volume, direct credit payments such as salaries. Our APIs automate this, making it effortless and easy to make bank transfers.

Clearing House Automated Payments System (CHAPS) - Our solution integrates with CHAPS to provide same-day clearing, allowing businesses to collect high-value transactions almost instantly, providing instructions are received before the specified cut-off time. This is ideal for large, one-off payments, such as property purchases.

Society for Worldwide International Financial Telecommunications (SWIFT) – is a system that banks across the globe use to securely send messages to each other about cross-border payments.

Our APIs integrate seamlessly with each of these systems, allowing businesses to automate their payments reducing administration, errors, and costs. Each system comes with its own advantages, typically depending on the value of the payment and the speed of the transaction.

What’s Next

Learn more about bank-to-bank payin and payout options that are available.