Account to Account Payment Methods
Account-to-Account (A2A) payments allow funds to move directly from a payer’s bank account to a payee’s bank account — without intermediaries like card networks.
They offer faster settlement, lower costs, and higher security, becoming increasingly popular across global markets.
With Orkestra, A2A payments are fully integrated and accessible via a single API, enabling local bank transfer solutions like PIX (Brazil), SPEI (Mexico), PSE (Colombia), and others — all under one standardized flow.
🚀 Why A2A Payments?
Faster Settlements: Real-time or near real-time payment clearing.
Lower Fees: No card schemes or intermediaries driving costs up.
Higher Approval Rates: Fewer declines due to fewer parties involved.
Secure and Reliable: Built on national clearing systems, often backed by central banks.
Consumer Trust: Customers pay via their trusted banking environment.
🧩 How A2A Payments Work
- Merchant initiates a payment request.
- Customer selects their bank and authenticates.
- Funds are transferred directly from one bank account to another.
- Merchant receives payment confirmation asynchronously.
✨ Summary
Orkestra’s A2A payment solutions give you access to the future of payments — real-time, direct, and efficient — across Latin America and beyond.
With minimal integration effort, you can unlock fast and secure payments tailored to your customers' local banking environments.