---
canonical: "https://www.softatlas.io/truelayer/products/bank-on-file"
name: "Bank on File"
provider: "TrueLayer"
category: "Commerce / Payments / Payment Processing"
review_count: 0
ai_powered: false
website: "https://truelayer.com/bank-on-file"
updated: "2026-10-02"
---

# Bank on File

By [TrueLayer](/truelayer.md)

Allows customers to Pay by Bank for subscriptions, bills, and one-click payments via a linked bank account using a single API.

## Features
- Enable one-click payments via bank account
- Facilitate recurring payments directly from bank accounts
- Process instant refunds over bank-to-bank rails
- Authenticate payments directly with the bank
- Check customer funds before initiating payment
- Support subscriptions with seamless bank account integration
- Provide instant payment confirmation
- Reduce transaction costs by eliminating card fees

## Built for
DEVELOPERS, OPERATIONS, EXECUTIVES

Source: https://www.softatlas.io/truelayer/products/bank-on-file