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Sign Up for Credentials

Create your merchant account to get client_id and client_secret

Start Building

Get your first Quidkey payment working in 10 minutes

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Welcome to Quidkey

Quidkey is a global clearing house optimized for the modern world of payments. Our mission is simple: to make it easy for businesses everywhere to get paid instantly through direct account to account payments. Our AI bank affiliation algorithm creates last mile efficiencies through payment rail interoperability - resulting in more control, faster money movement, lower costs, and smoother global payment management. Quidkey’s technology allows businesses to automate and customize end-to-end payment workflows - utilizing bank prediction, local payment collection, settlement, FX, payouts, and reporting.

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Why Use Quidkey?

Lower Fees

Significantly reduce payment processing costs compared to card payments - typically 70-80% savings

Zero Fraud

Customers authenticate payments directly in their bank app - the bank verifies identity, eliminating fraud risk

Seamless UX

Embedded directly in your checkout - customers never leave your site

Instant Settlement

Funds settle faster than card payments with real-time payment schemes

Works with Stripe

Add alongside your existing Stripe integration - no changes to Stripe code required

Multiple Markets

Support SEPA, Faster Payments, Multibanco, and more payment schemes automatically
Quidkey works alongside Stripe - customers can choose between card payments or bank transfers. Quidkey automatically predicts and pre-selects the customer’s bank, so they pay with their trusted bank brand. Payment amounts and rewards can be updated dynamically for shipping costs, discounts, and promotional offers.

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How It Works

1

Quidkey predicts customer's bank

Quidkey automatically predicts and pre-selects the customer’s bank
2

Customer pays with their bank

Customer sees their trusted bank pre-selected and ready to pay
3

Authenticate & approve

Customer is redirected into their bank to authorizes the payment securely
4

Payment complete

Funds transfer directly to your account - you receive a webhook with payment confirmation
Quidkey connects to multiple Open Banking providers (TPPs) and bank integration partners. We automatically select the best connection for each transaction to ensure high success rates and a smooth payment experience.

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Get Started

Quickstart

Get your first payment working in 10 minutes with our quickstart guide

Shopify

Install the Shopify app and enable Pay by Bank. No code required

Embedded Flow (with Stripe)

Add Quidkey bank payments alongside your existing Stripe checkout

Hosted Checkout

Collect payments through a Quidkey-hosted checkout page. No frontend code required

API Reference

Explore all endpoints with interactive API playgrounds

Live Demo

Try the full integration with test credentials

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When to Use Quidkey

Perfect for online stores, marketplaces, and subscription services. Reduce transaction fees while maintaining seamless checkout experience.
Ideal for transactions over €50 where card fees become significant. Common in travel, luxury goods, and B2B payments.
Collect bank-to-bank payments through a Quidkey-hosted checkout page. No frontend code needed. Perfect for B2B invoices, service payments, and cross-border pay-ins.
Quidkey currently supports account to account payments in the EU and UK, with the US available in Closed Beta. Support for Australia and Canada is coming soon. We are actively expanding our connectivity to more markets and banking networks.

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Need Help?

Contact Support

Questions? Email us at rabea@quidkey.com - we typically respond within one business day