Pay-by-Bank, A Better Payment Experience

Paying a bill inside an app should be simple. For most organisations, it isn't. This is because the payment step requires a redirect, a third-party processor, and a friction-filled experience that kills completion rates. Today, Atomic.io and Volley are changing that.

The Atomic + Volley partnership enables organisations to deliver end-to-end bill payment experiences directly inside their own apps. No redirects. No manual account numbers. No drop-off.

How It Works

The workflow is straightforward by design:

1. A bill or payment notice is surfaced to the customer via Atomic's in-app messaging: at the right moment,in the right place, and with the right context. Importantly, in a trusted and secure environment.

2. The customer taps to pay and is connected securely to their bank via Volley's open banking rails.

3. The payment is authorised and completed directly from their bank account, without leaving the experience or entering a single account number.

This means fewer dropped payments, reduced call centre load, and a meaningful improvement in on-time payment rates.

Contact us to book a demo with the Atomic + Volley team. - - -

Atomic powers in-app messaging and customer communications for some of New Zealand's largest banks, energy companies, superannuation and managed funds companies, and government agencies.

Volley is an accredited open banking payment provider under New Zealand's Consumer Data Right framework, with direct connections to ANZ, ASB, BNZ, and Westpac. Together, we're combining Atomic's customer engagement layer with Volley's pay-by-bank infrastructure.