£1 Fees vs £10,000.Onboard High-Risk Merchants.
Open banking provisioning for a fraction of traditional costs. Accept high-risk merchants others reject. Reduce fees from 7-10% to <1%.
Account-to-account instant payments. 24/7 settlement orchestration. Native on/off ramp for stablecoins. Powered by Mastercard.
Try It Yourself
Experience the cost savings and speed of ARYZE's Open Finance platform with a live simulation.
Traditional (7%)
£700.00
ARYZE (flat fee)
£1.00
You save: £699.00
99.9% cost reduction
When Others Say No, We Say Yes
Traditional payment processors reject high-risk industries or charge predatory fees. ARYZE provides open banking provisioning for merchants others won't touch.
Gaming & Gambling
Common Challenges:
- • High chargeback rates
- • 10%+ fees standard
- • Limited provider options
ARYZE Solution:
Flat-fee pricing + chargeback management
Adult Content
Common Challenges:
- • Banks refuse service
- • Processor terminations
- • Reputational risk
ARYZE Solution:
Open banking provisioning without judgment
Crypto & Web3
Common Challenges:
- • Regulatory uncertainty
- • Traditional banks say no
- • High operational costs
ARYZE Solution:
Native crypto + fiat infrastructure
Nutraceuticals
Common Challenges:
- • Product liability concerns
- • High monthly fees
- • Account freezes
ARYZE Solution:
Stable, predictable flat-fee model
Why High-Risk Merchants Choose Us
- No arbitrary account closures
- Transparent flat-fee pricing
- Dedicated high-risk underwriting team
- Fast onboarding (days, not months)
- 24/7 settlement capability
- Native stablecoin on/off ramp
Dedicated High-Risk Team
Our underwriting team specializes in high-risk industries. We understand your business model, regulatory challenges, and operational needs. No generic rejection letters here.
Response within 24 hours • Onboarding in days, not months
Powered by Mastercard Open Banking: Enterprise-grade infrastructure with ARYZE's high-risk expertise.
Built for
Enterprise-grade payment infrastructure with instant settlement, lower costs, and global compliance.
Open Finance Results
Transform your payment infrastructure
Lower processing fees
Real-time processing
High acceptance
Enterprise reliability
ARYZE vs Payment Processors
See how flat-fee pricing compares to traditional payment processors
| Feature | ARYZE | Stripe | PayPal | Traditional Banks |
|---|---|---|---|---|
| Pricing Model | £1 flat fee per transaction | 2.9% + £0.30 per transaction | 2.9% + £0.30 per transaction | 7-10% of transaction value |
| High-Risk Merchants Accepted | Limited | |||
| Settlement Time | 10-15 seconds | 2-7 days | 1-3 days | 3-5 days |
| Geographic Coverage | Global (140+ countries) | 46 countries | 200+ countries (limited features) | Domestic focus |
| Account Freezes | No arbitrary freezes | Risk-based freezes common | Frequent holds (180 days) | Compliance-based freezes |
| Integration Complexity | Simple API (2-3 days) | Moderate (1-2 weeks) | Simple (3-5 days) | Complex (3-6 months) |
| Chargebacks | Irreversible (blockchain-based) | High chargeback risk | Very high chargeback risk | Chargeback disputes (90-180 days) |
| Operating Hours | 24/7/365 | 24/7 (settlement delays weekends) | 24/7 (settlement delays weekends) | Business hours only |
| Minimum Volume | No minimum | No minimum (but fees eat small tx) | No minimum (but fees eat small tx) | £10,000+ monthly typically |
| Crypto Support | Native crypto on/off ramp | Crypto buy/sell only (no withdrawals) |
Data accurate as of 12/10/2025. Competitor features may vary.
What Our Customers Say
Real feedback from businesses transforming their payment operations
Sarah Chen
CFO, Victory Gaming
Marcus Rodriguez
Operations Director, Global iGaming Ltd
Emma Thompson
Finance Manager, TechFlow SaaS
Real-time access to account data
Connect to any European bank and retrieve balances, transactions, and account details in real-time.
Live Balance Updates
Get real-time account balances across all connected accounts with sub-second latency.
Transaction History
Access complete transaction history with rich metadata, categorization, and search capabilities.
Automatic Sync
Set up webhooks to receive instant notifications when account data changes.
Instant bank-to-bank payments
Enable customers to make secure payments directly from their bank accounts without cards.
Instant Settlement
Process payments in seconds with immediate confirmation and settlement tracking.
SCA Compliant
Built-in Strong Customer Authentication meeting all PSD2 security requirements.
Payment Status
Real-time payment status updates from initiation through completion or failure.
Built for the modern financial ecosystem
Our infrastructure is trusted by fintech leaders across Europe
Enterprise-grade security built in
Bank-level security and full regulatory compliance, so you can focus on your product.
AISP & PISP Licensed
Fully licensed and regulated under PSD2 across all European markets.
Zero Credential Storage
We never store banking credentials. All authentication happens directly with banks.
SOC 2 Certified
Regular security audits and compliance certifications you can trust.
Built for developers, by developers
Modern APIs, comprehensive docs, and powerful tools to get you from idea to production fast.
REST & Webhooks
Clean REST APIs with webhook support for real-time events and data updates.
Sandbox Environment
Full-featured sandbox with test banks for risk-free development and testing.
SDKs & Libraries
Official SDKs for Node.js, Python, and more, with detailed code examples.
Ready to integrate Open Finance?
Join leading fintechs using Aryze Open Finance for real-time banking connectivity. Get started in minutes with our comprehensive API and sandbox environment.
Frequently Asked Questions
Learn more about Aryze Open Finance, our compliance standards, and how to get started with our banking APIs.
Latest Insights
Stay updated on Open Finance trends, technical guides, and industry news
The Future of Open Banking in Europe
Exploring how PSD3 and Open Finance will reshape the financial landscape and create new opportunities for innovation.
Building Secure Payment Flows with Open Finance
Best practices for implementing payment initiation services that meet SCA requirements and deliver great UX.
Real-time Account Data: Use Cases and Implementation
How leading fintechs are leveraging real-time banking data to create innovative financial products.