What is an API?

An API, or Application Programming Interface, is a technology which connects  one piece  of software to another over the internet and requests information or for instructions to be actioned.

When it comes to payments, APIs enable you to automate and simplify your business processes by digitising your payment submissions unlocking benefits such as:

  • Accelerated speed of execution due to highly automated processes
  • Simplified operations as human intervention is removed
  • Facilitating transactions beyond traditional working day to a 24/7* automated environment.

Enquire about Payment API solutions

Talk to one of our payment specialists about how our APIs can help your business.

Enquire nowSpeak to a specialist

Our Payment API solutions


Enables you to make Faster Payments 24/7 directly from your own system without manual intervention through a secure, direct connection with the bank.

  • Straight through processing with real-time notifications and payment confirmation
  • Accelerated payments to customers or suppliers improving user experience
  • Great for early payments, financing, customer refunds, claims and much more

PayFrom Bank

A secure, efficient, and convenient way of enabling your customer to pay you via the Faster Payments Service, so funds are readily available to you.

  • Reduce time and resource spent tracking payments ensuring funds are readily available and easy to identify
  • Low cost payment method, simply pay per transaction and cheaper than card payments
  • Customers can make payments on your website directly from their bank account without entering payment details

Event Driven Notifications

Receive real-time notifications of payment activities to enable you to quickly and accurately reconcile your transactions without manual intervention.

  • Improve working capital management through automated reconciliations
  • Reduce operational risk by removing manual intervention
  • Efficiency via a simplified operational process

Confirmation of Payee

Verify beneficiaries to give you the confidence needed to safely make payments.

  • Reduce risk and mitigate fraud
  • Verify beneficiaries at the beginning or periodically throughout your relationship
  • Real-time beneficiary verification calls

Frequently Asked Questions (FAQs)

Why choose Lloyds Bank as your Payment API provider?

Simple integration

Our team will work with you to create a bespoke integrated solution with dedicated technical support throughout your onboarding.

Future proof

Our APIs are designed to scale with you as your business grows and are integrated with your own systems.

Expert support

Access to a dedicated relationship manager so you can be confident you will receive support for your business.

Discuss your needs with a Payments specialist

Talk to one of our payment specialists about which of our APIs are right for you.

Enquire nowSpeak to a specialist
Person working on a laptop

Looking to accept card payments online?

Accept card payments through your website and other digital channels securely with Lloyds Bank Cardnet® with simple setup and clear pricing structure.

Can’t find what you’re looking for?

We offer other payment solutions to allow you to send and receive payments in a way that suits your business.

Further resources

PayTo solution

Watch our video on how our PayTo product will allow you to make Faster Payments 24/7 directly from your own system.


PayFrom solution

Watch our video on how our PayFrom product will allow you to take payments in more ways than before.


Cardnet® is a registered trademark of Lloyds Bank plc.

*There may be periods when we are required to suspend access to the system for routine maintenance.

Important information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.