Payment API solutions
Driving your digital transformation. More ways for you to make and receive payments.
Our Payment API solutions
Frequently Asked Questions (FAQs)
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Are payment APIs the same as open banking APIs?
No. These are our bespoke commercial APIs designed to provide payment and information services through direct bank integration rather than via a 3rd party.
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I would like my business to accept card payments, is a Payment API what I need?
No. You can accept card payments in person, online and over the phone with Lloyds Bank Cardnet®
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What is the cost of Payment APIs?
For cost information and to answer any questions about API please complete the Enquiry form with your details and our payment specialist will be in touch to answer all your questions.
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What payment validation will you carry out?
To provide an immediate payment capability with no manual intervention, we will validate the debtor account, available funds and security certificates/digital signatures in real time.
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Why choose Lloyds Bank as your Payment API provider?
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.
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.