Most people think of payments as card swipes or wallet top-ups. Account-to-account (A2A) payment is different: money moves directly from one bank account to another, with no card network or wallet in the middle. The user selects their bank, authenticates (e.g. via the bank’s app or open banking flow), and the transfer is initiated. For merchants and platforms, that often means lower cost, faster settlement, and a single API for many banks.
Why A2A is growing
Cards and wallets are familiar, but they add interchange, scheme fees, and sometimes extra steps. A2A uses the existing banking system: the payer’s bank debits their account and the payee’s bank (or the scheme) credits the recipient. With open banking and instant payment schemes, that can happen in seconds. For payouts, disbursements, and B2B flows, A2A is especially attractive—one API, multiple banks, real-time or same-day settlement.
What we build for clients
At FintechPaa we build A2A payment infrastructure for our clients. For example, we built the core A2A stack for Meras.io: seamless digital payments and payouts, contactless and cardless flows via direct bank selection, real-time processing, and a unified API across 350+ banks and 80+ countries. We also built Infinipi.io’s merchant and settlement layer—secure payments from bank accounts using open banking, with KYC and multi-currency support.
The typical building blocks we implement include: a unified payment API, idempotency and webhooks, support for multiple currencies and schemes, and compliance-friendly design (audit trails, consent, SCA where required).
Instant settlement and merchant APIs
Merchants don’t want to wait days for funds. With A2A and the right scheme or bank integrations, you can offer same-day or real-time settlement. A single merchant API can abstract many banks and countries—so your platform stays simple while we handle the rails. That’s the kind of system we design and deliver for clients in Pakistan and internationally.
If you’re considering A2A for collections, payouts, or marketplaces, we can build it for you. Talk to us about your use case.
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