> ## Documentation Index > Fetch the complete documentation index at: https://docs.quidkey.com/llms.txt > Use this file to discover all available pages before exploring further. # Quidkey Documentation > Quidkey: global clearing house, optimized for modern payment workflows. Quidkey Hero Light Quidkey Hero Dark Create your merchant account to get client\_id and client\_secret Get your first Quidkey payment working in 10 minutes ## 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. ## Why Use Quidkey? Significantly reduce payment processing costs compared to card payments - typically 70-80% savings Customers authenticate payments directly in their bank app - the bank verifies identity, eliminating fraud risk Embedded directly in your checkout - customers never leave your site Funds settle faster than card payments with real-time payment schemes Add alongside your existing Stripe integration - no changes to Stripe code required 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. ## How It Works Quidkey automatically predicts and pre-selects the customer's bank Customer sees their trusted bank pre-selected and ready to pay Customer is redirected into their bank to authorizes the payment securely 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. ## Get Started Get your first payment working in 10 minutes with our quickstart guide Install the Shopify app and enable Pay by Bank. No code required Add Quidkey bank payments alongside your existing Stripe checkout Collect payments through a Quidkey-hosted checkout page. No frontend code required Explore all endpoints with interactive API playgrounds Try the full integration with test credentials ## 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. ## Need Help? Questions? Email us at [rabea@quidkey.com](mailto:rabea@quidkey.com) - we typically respond within one business day