Save time, money and effort with A2A Payments

Faster, simpler and more cost-effective Pay Now transactions with effortless account to account (A2A) payments.

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B2B checkout experience with pay now and pay later options

Drive loyalty and boost conversions with a unified payments experience for all buyers

Instant, flexible payment terms and an upfront payment option for those who need it. What more could you ask for?

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Seamless buyer experience

Speed up transactions and reduce friction
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Minimise transaction costs

Say goodbye to expensive fees with A2A payments.
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Streamlined operations

Eliminate manual parts of your payment process

“We hate paying the 2%+ fee for processing card payments!”
“Sometimes our buyers drop off at checkout if asked to perform a manual bank transfer."

Reduce your payment processing costs and empower your buyers to settle their invoices immediately through instant bank transfer.

How it works

step 1
Select Payment Method
A buyer fills their basket and heads to the checkout as normal. They choose to pay via instant bank payment.
step 2
Connect to Bank
They choose their bank and are redirected to the bank’s app without leaving the merchant website.
step 3
Buyer verification
The buyer is verified using biometrics or another strong authenticator.
step 4
Immediate transfer
Funds are transferred instantly and the buyer’s order is confirmed.
step 5
You get paid upfront and in full. We take care of risk and collections.

We take care of everything

So you can focus on product development, customer acquisition or whatever else matters the most to your business.
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Credit scoring

Give your buyers the credit they deserve thanks to cutting-edge underwriting
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Fraud detection

Sophisticated automations and expert fraud analysts keep you safe.
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Statement of account

Streamline reconciliations with a single statement of account covering all transactions.
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Financing

Your buyers choose to pay now or pay later, while you get paid upfront and in full. Everyone wins.
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Payment processing

Relevant settlement methods empower your buyers to pay on their terms.
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Collections

Handled with care and professionalism to preserve your commercial relationships.

Want to learn more?

Discover how Hokodo’s Account to Account payment solutions can help to accelerate your business growth.

How is it different from other pay now settlement methods?

A2A Payment Card Payment Manual Bank Transfer
Buyer Experience Good - automatic through the checkout. Buyer stays on the merchant website. Good - card information will be auto-populated for returning buyers, but new buyers must enter their card information. Poor - buyer must leave merchant website and log into their bank website or app.
Cost Low High Low
Speed of transfer Instant 1-3 working days 3-5 working days
Security Strong - uses biometrics Medium - 2 factor authentication with 3DS Strong - Via bank log-in

Frequently Asked Questions

What are A2A payments?
Why should I use A2A payments?
What type of merchant benefits most from A2A payments?