How the Paytently Mastercard partnership drives open banking payments Europe with account to account payment solutions, instant bank transfer, and cash flow optimization for startups.
I’m Aadi, an MBA in marketing and finance who studies how fintech startups turn payment technology into revenue growth. I’ve worked with early stage teams on payment orchestration platforms and account to account solutions across Europe.
What if your checkout page could cut fees, speed up settlement, and boost customer trust all at once? Paytently and Mastercard’s new partnership might be the blueprint for founders chasing smarter open banking payments in Europe.
If you’re an entrepreneur, founder, or investor in fintech or e-commerce, understanding this alliance can help you spot where account to account payment solutions meet startup funding opportunities. This isn’t just about faster transfers. It’s a playbook for how to grow a payment business inside a heavily regulated market.
- Paytently Open Banking powered by Mastercard Open Finance lets users pay merchants directly from their bank accounts.
- Merchants get faster settlement, improved cash flow, and fewer failed payments.
- The orchestration platform manages routing, authentication, and reconciliation for sectors like iGaming, B2B services, and retail.
- Coverage spans 18 EU markets, connecting thousands of banks for millions of payments each month.
- Industry data shows over 75% of EU consumers are already using open banking services.
Paytently’s partnership with Mastercard is more than a tech upgrade. It is a strategic move that puts a payment orchestration platform at the center of Europe’s digital payment transformation. By integrating Paytently Open Banking with Mastercard Open Finance, the solution allows account to account payment processing that cuts card fees and speeds up transactions.
For early stage startups building iGaming payment solutions or e-commerce open banking tools, this shows how to scale inside a regulated ecosystem without losing agility.
The agreement also addresses one of the hardest problems for merchants: cash flow. Instant bank transfer capability means payouts land faster, which can reshape working capital planning for small businesses.
Investors watching for high margin fintech trends should note that open banking payments Europe is one of the fastest growing verticals in the region, with research pointing to double digit annual growth for account to account solutions through 2028.
Another advantage is the security layer. Secure bank authentication through Mastercard’s Open Finance network gives startups confidence to pitch to risk sensitive clients in banking, gaming, or retail. Compliance costs often kill young payment ventures, but by leaning on an established player’s rails, Paytently can focus on user experience and merchant acquisition.
Founders looking for startup growth hacks can study how Paytently packaged complex technology into a clear value proposition for merchants.
Future plans include showcasing the solution at industry events such as the SBC Summit in Lisbon, where networking with angel investors for startups and venture capital firms could drive the next round of seed funding. As digital payment transformation accelerates, expect more collaborations between orchestration platforms and global networks. You can see how this trend is playing out in recent market analysis.
For startup founders, the lesson is to design payment systems that balance speed, compliance, and scalability. Whether you’re drafting a startup business plan or pitching an MVP, aligning with big tech rails can give your solution credibility and reach.
5 to DOs and DON’Ts for your business journey:
- Do check open banking payments Europe for faster customer checkout.
- Do build partnerships early with providers offering secure bank authentication.
- Do factor cash flow optimization into your payment strategy.
- Don’t ignore licensing and compliance when planning to scale a startup.
- Don’t underestimate how events like SBC Summit can connect you to funding networks.
How the @paytently @Mastercard partnership drives #openbanking payments Europe with account to account payment solutions, instant bank transfer, and cash flow optimization for #startups.https://t.co/zJPfANswyK
— Fintech News and Business Insights (@learnwebstories) September 12, 2025