Once a bank account is connected, you can initiate a payment with a simple API call. It's an order of magnitude cheaper than cards, faster to settle, simple to reconcile, and convenient for users.

Payments Guide

Link a bank account, just like linking a card

A user connects their account once and grants ongoing consent to payment initiation.


Enable a user to set up one-off or recurring payments, without needing to leave your app. You'll get confirmation that the payment has been initiated, and an ETA of when the funds will arrive. You can input a unique reference to ensure automated reconciliation. Check the available balance to ensure that the user won't incur dishonour or overdraft fees. Reduce fraud by verifying the holder of the account, and relying on strong customer authentication when the bank account is linked to your app.

Open banking payments in action

Open banking payments are commonly used in payroll services, payment apps, ecommerce, payouts, and funding online accounts.

Used by:

Code Sample

Consumers connect their financial accounts to your application via Akahu's OAuth connection flow.

Upon completion of that connection flow, your application holds a user token that enables programmatic interactivity with connected accounts via Akahu's API. The user token is scoped to the specific permissions granted by the consumer.

import { AkahuClient } from 'akahu';

const akahu = new AkahuClient({ appToken });
const payment = await akahu.payments.create(userToken, {
  from: "acc_xxxxxxxxxxxxxxxx",
  to: {
    name: "John Smith",
    account_number: "01-1234-1234567-00"
  amount: 10,

Other Use Cases



Transaction Data


Talk with our team

Using the API

Keen to get started right now? Create a personal app which will grant you instant API access to your own accounts.

If you want access to a full app, contact us and we'll set it up.

Get in touch

Contract services

Our team can provide contract services to explore or build the functionality that you have in mind.

We'd love to discuss the options with you.

Get in touch