Sounds like Open Banking which is government driven & regulated, depending on where you are. There are a couple of startups that act as an abstraction layer to try to make the experience "frictionless", like TrueLayer. Source: over 1 year ago

You won't avoid interfacing with an API. Even if you don't want to use Stripe/PayPal, you'll need to wrestle with a banks own API or some kind of broker. TrueLayer is a popular way in Europe to access banks that support the Open Banking API. It is through a banking API that you will get confirmation that a payment has been made, so there should be no chance of sending items "for free". Unless you're posting... Source: over 1 year ago

I had a subscription with TrueLayer. The API service was smooth and their team updated me from time to time. They even helped me with regulation by giving us an agency under their FCA license. Eventually I transferred to Nordigen due to a friend’s recommendation. It was also free so why not. It was easy to integrate their program to my business model. One particular program I am happily using that involves open... Source: over 2 years ago

• The technology that helped us connect you with your banks is powered by TrueLayer Ltd, which is regulated by the UK Financial Conduct Authority (FCA) and their registration number is 901096. We are also registered with the FCA (928953), as an agent of TrueLayer. You will see their interface when you choose your banks as well as a statement in our app stating this relationship. More info about TrueLayer if you... - Source: Hacker News / almost 3 years ago

Head to https://paywithmoon.com/ and sign up. Source: over 1 year ago

I am the founder of paywithmoon.com. Source: over 1 year ago

Moon might be a good option for you. They offer prepaid, non-reloadable debit cards that are paid for in BTC. Best of all, there’s no KYC at all, and they can even be added to Apple Pay or Google Pay. I quite like it, I think it’s pretty neat. Source: over 1 year ago

3) As a last resort, there are tools to make sats to fiat payments, like https://allark.io/ https://paywithmoon.com/ or https://www.coindebit.io/. Source: over 1 year ago

Use paywithmoon.com to create virtual Visa card(US merchants only!) Use bestchange.®u to exchange rubles to Bitcoins and send them to Moon. Source: over 1 year ago