> ## Documentation Index
> Fetch the complete documentation index at: https://developer.novacpayment.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

> Accept pay by bank payments with the open banking APIs that power Novac hosted checkout.

## Overview

Open banking lets your customers pay directly from their bank account, without entering card details. The customer selects their bank, is redirected to their banking app to approve the payment, and is then returned to your checkout.
Payments are settled into your GBP settlement account. While the hosted checkout already supports this flow, we also provide access to the APIs behind it, allowing you to build a custom pay-by-bank experience that fits your product.

<Warning>
  You must add your GBP settlement account before initiating a pay-by-bank request. [learn more here](/docs/accept-payment/open-banking-payment#activate-open-banking-payment)
</Warning>

***

## Quick Actions

<Columns cols={2}>
  <Card icon="building-columns" title="Fetch Bank List" href="/api-reference/open-banking/get-bank-list">
    Retrieve the banks that support open banking payments.
    Display them to your customer so they can choose where to pay from.
  </Card>

  <Card icon="arrow-right-arrow-left" title="Initiate Pay by Bank" href="/api-reference/open-banking/initiate-pay-by-bank">
    Start a payment against the bank your customer selected.
    Returns a redirect URL where the customer approves the payment.
  </Card>
</Columns>


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