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Mobile payments straight from your bank app

Zapp will be launching the new Pay by Bank app paymark, the universal symbol indicating to consumers that a retailer accepts a Zapp-powered mobile payment from a bank app.

Clicking the Pay by Bank app symbol online will automatically open a consumer’s bank app on their phone. Once securely logged in, they can quickly complete payments. Consumers will be able to see their account balances before they pay and choose different accounts to pay from, thereby staying more in control of their finances.

Pay by Bank app transactions are protected by a consumer’s existing bank app security and because the payments use secure digital tokens, customers don’t need to reveal any of their financial details to merchants when they are shopping.

About Zapp

Zapp is the UK's leading mobile payment innovator. Zapp's technology is backed by some of the biggest names in financial services and retail. Zapp is an independent company within the VocaLink group.

Zapp's Pay by Bank app service will be available at launch to Barclays Pingit users making Pay by Bank app the UK's first total market mobile payment solution.

Our technology has been awarded for innovations within the FinTech industry

Payment Award 2014 Winner

Most Disruptive Payments Technology  

FStech Award 2014 Winner

Most Disruptive Financial Sector Technology 

Cards International Awards 2014 Winner 

Editors Award: Mobile Innovation of the Year

Some of the team behind Zapp

David Yates

David is both the Chairman of Zapp and the CEO of VocaLink. He is a deep payment expert having worked in payments and transaction processing over the last 30 years. David has worked for some of the biggest names in payments from Western Union to First Data Corporation. He also holds a seat on the Board of WorldPay.

Peter Keenan

Peter is the Chief Executive Officer of Zapp. He brings a wealth of insight, combining management experiences from HSBC where he was responsible for developing and implementing new customer propositions globally together with deep experience in retail having been Managing Director of Currys.

Ian Sayers

Ian is a black belt in payments and technology – he is Chief Technology Officer of Zapp. Ian has many sparkly technology awards on his mantelpiece, his major claim to fame being the delivery of PingIt at Barclays. Over 12 years at Barclays Ian was responsible for a wealth of mobile and banking developments that helped cement Barclays’ reputation as a technology leader.

Mark Stevenson

Mark Stevenson is Zapp’s Chief Marketing Officer. Mark spent seven years heading up o2’s sponsorship portfolio, and led the launch of o2’s highly successful Priority Moments. Mark has deep expertise in commercial, digital, partnership, strategic marketing and sponsorship. 

Brendan McGrath

Brendan is Zapp’s Chief Financial Officer. Formerly of First Data, Brendan brings a wealth of expertise of working within highly regulated environments, experience he is using at Zapp to ensure it remains a trusted partner in the banking and payments sector. In addition to First Data, Brendan gained his expertise in the sector as International CFO at insurance broker, Willis.

Stuart Neal

After 10 years of working in payments, Stuart joined Zapp as Chief Commercial Officer. Stuart has worked for financial services giants like Barclays and hungry start-ups like Boku. He is passionate about bringing a ‘super slick’ check-out process to merchants, built for today, which will entice new customers and convert more sales. Stuart’s focus at Zapp includes building a consortium of merchants and banks within a commercial framework.

Clive Redmond

Clive has joined Zapp as our COO and is leading the development of Zapp’s core Operating Functions which he sees as a ‘once in a lifetime opportunity’ to build something completely new. Clive brings a wealth of experience in running and maintaining mission critical payment systems having previously worked with VocaLink supporting its Bacs, Faster Payments & LINK systems. His extensive knowledge of running high availability systems and services will be vital to Zapp as we head toward launch in 2015.

The next big thing launches soon

Just some of the many businesses looking to support Pay by Bank app once launched in 2015.

Frequently Asked Questions

What is Zapp?

Zapp is the UK’s leading mobile payment innovator, launching Pay by Bank app. Pay by Bank app puts real-time payments on people’s mobile phones through their existing mobile banking app or Pingit, allowing secure payments to happen between consumers and merchants.

When will Pay by Bank app be available to consumers?

Barclays Pingit users will be first to access Zapp’s Pay by Bank app service. Because Pingit is available for anyone to download as an app, whether or not they bank with Barclays, Pay by Bank app will be available to all consumers regardless of who they bank with, or which smartphone brand they use. 

What are the benefits of using Pay by Bank app?

Convenient: Pay by Bank app works through the consumer's mobile banking app or Pingit, meaning there are no new passwords to remember and no long numbers to type in. 

Control: Consumers can see their bank balance before and after each Pay by Bank app payment. 

Speed: Consumers can pay online in just a few clicks with Pay by Bank app

Security: Pay by Bank app payments work through secure digital tokens, which mean that customers don’t reveal any of their financial details to retailers. This also means that merchants do not need to store card details.

How do I get involved?

Pay by Bank app is an open initiative, which all banks, retailers and payment providers can join - email to find out how you can integrate Pay by Bank app into your business.

"The opportunity to create a new payments eco-system comes along once in a generation" - David Yates, CEO, VocaLink

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