Bank payments, finally as easy as tapping a card
SEPA Direct Debit is the cheapest, most reliable way to move money in Europe — but the consumer experience has always been terrible. We’re fixing that. GiroTap brings inline, biometric bank payments up to parity with Apple Pay and Google Pay, without giving up the cost advantage or the direct merchant-to-customer settlement that makes SEPA great in the first place.
Pay-by-bank should have won. It didn’t.
Open banking rewrote European payments law in 2018. The promise was simple: customers would pay merchants directly from their bank account, cutting out card networks, cutting out fees, cutting out the middlemen. Half a decade on, traditional pay-by-bank still accounts for a rounding error of e-commerce volume — because the experience is brutal.
Pick a bank. Get redirected to a branded portal. Sign in with a username you’ve forgotten. Switch to your bank’s mobile app. Approve. Wait. Get bounced back to the merchant. Hope the session didn’t expire. Traditional PSD2 checkouts routinely drop 40 to 60 percent of shoppers between “pay” and “paid.”
Meanwhile, merchants keep handing 1 to 3 percent of every euro to card networks — not because they want to, but because the alternatives make customers give up at the till.
Three things had to change at once
We looked at every failed attempt to fix pay-by-bank and concluded that piecemeal fixes weren’t enough. The authentication had to change. The risk model had to change. And the merchant protection story had to change. GiroTap rebuilds all three from scratch, on top of rails that already work.
Biometric authentication
Face ID, Touch ID, and platform passkeys replace bank logins and app-switching. Consent happens inline, on the merchant page, in under three seconds. No redirects, no session drops, no “open your banking app” detour.
Open banking intelligence
Every linked account comes with rich open banking signals: is it a primary account, how long has it been active, does it carry real balance coverage, are there risk flags? Merchants know exactly what they’re debiting before a single euro moves.
Cryptographic consent
Every payment generates a signed mandate and a tamper-evident evidence bundle: device attestation, biometric assertion, merchant context, the exact amount the customer agreed to. When a chargeback comes, you don’t argue — you produce proof.
Built and operated by CONFIG MONEY LIMITED
GiroTap is a product of CONFIG MONEY LIMITED, a company incorporated in England and Wales and based in London. We are currently in private beta with select merchants across the SEPA zone, and we onboard new partners in close collaboration as we work toward a broader public launch.
If you’re a merchant, payment facilitator, or platform interested in early access, we’d like to talk. You can reach the team via the Contact sales button on this page.
CONFIG MONEY LIMITED
Company Number: 16474180
Registered Office: 124-128 City Road, London, EC1V 2NX
United Kingdom
Registered in England and Wales