A2A payments in high value B2C verticals

In high‑value B2C verticals, such as fashion, food, DIY & hardware, electronics, furniture, beauty, wellness, and luxury, payments are a central component of both the purchase experience and operational efficiency. In these sectors, transaction values are often high, customer experience is a top priority, and trust in the payment method has a direct impact on conversion.

In settings like these, account‑to‑account (A2A) payments, also known as pay by bank payments, represent a strategic lever for banks and PSPs looking to enrich their digital collections offering for business customers, while at the same time improving risk control and process efficiency.

High‑value B2C verticals: why they matter for payments

Digital market data clearly show the weight of these segments. Globally, in B2C alone:

• Fashion is worth around 920 billion dollars
• Food around 838 billion
• DIY & hardware more than 370 billion
• Electronics almost 342 billion
• Furniture more than 263 billion [1]

These sectors are often characterised by:

• High average transaction values: high‑end fashion baskets, premium electronics, designer furniture, luxury goods. On such amounts, fees and collection methods have a direct impact on margins and profitability;
• Customer experience at the centre: brands and retailers invest heavily in image, service and digital channels. A payment experience perceived as complex or unreliable can slow down or block purchase completion;
• Trust in the payment method: especially when higher amounts are involved, choosing a familiar and secure instrument becomes a key factor in the end customer’s decision‑making process.

In this kind of sector, the ability to pay directly from their own bank account, within a familiar banking environment, reinforces customers’ perception of security and helps reduce cart abandonment at check‑out.

The role of A2A payments for banks and PSPs

A2A payments offer the opportunity to:

• optimise the cost structure of collections on high‑value transactions, thanks to more efficient intermediation compared to other instruments;
• reduce operational risk, through payment flows authorised and overseen directly by the payer’s bank;
• enable new digital use cases in sectors where, until recently, high‑value transactions were managed mainly through traditional methods.

Integrating established A2A solutions such as MyBank makes it possible to build a more comprehensive portfolio of payment methods, in which cards, wallets and account‑to‑account payments meet different needs in a complementary way.

The specific value of MyBank in B2C

MyBank enables numerous medium- and high-value B2C sales scenarios, helping turn payment into a true competitive advantage.

MyBank is a pan-European A2A payment solution that allows a pre-filled SEPA credit transfer to be initiated directly from the customer’s online or mobile banking, with immediate payment confirmation.

Unlike other solutions, MyBank does not include a payment scheme-imposed transaction limit, thus enabling the secure and traceable digitisation of even high-value transactions that, in some contexts, would otherwise require more traditional channels.

In high-value B2C, this translates into:

• efficient management of direct account-to-account collections that are irrevocable and come with immediate confirmation, even for significant amounts;
• enhanced risk control, thanks to strong customer authentication and bank oversight of the payment flow;
• a smooth and familiar digital experience, based on tools the customer uses every day.

Some examples of B2C use cases:

• purchases of high-end fashion and luxury goods, where payment security, reliability and speed contribute to the brand’s image;
• high-value electronics orders, where a direct account-to-account flow reduces errors and reconciliation times;
• sales of furniture and durable goods, which benefit from a payment method perceived as solid even when the amount exceeds typical card thresholds.

In summary, MyBank effectively supports transactions across a wide range of B2C use cases, especially in high-value verticals where payment efficiency and reliability can translate into a tangible competitive advantage.

What banks and PSPs can do today

To fully unlock the potential of A2A payments in high-value B2C verticals, some concrete actions can be particularly effective:

Map high-value sectors within the B2C business customer base

• Analyse the customer base to identify companies active in fashion, luxury, electronics, furniture, beauty and wellness, travel and tourism, automotive, and other sectors with medium- to high-value transactions.
• Assess where amount limits or the characteristics of the instruments currently used act as a constraint on the full digitisation of collections.

Frame A2A payments as a strategic lever, not just a tactical one

• Position MyBank and A2A payments not as a simple alternative to other instruments, but as strategic enablers to reduce risk, increase efficiency and support high-value sales models.
• Integrate the A2A topic into conversations with business customers, highlighting use cases where the absence of scheme-imposed amount limits and immediate payment confirmation are decisive.

Develop dedicated vertical offerings

Define targeted propositions for specific sectors, for example:

• Digital collection packages for high-end luxury and fashion brands;
• Solutions for high-value B2C transactions in sectors such as automotive, tourism, beauty, wellness, and electronics;
• Integrated collection models for companies operating in both B2C and B2B.
• Use MyBank as a key component of these offerings, highlighting the benefits linked to efficiency, security and the absence of scheme-imposed amount limits.

Conclusions

High-value B2C verticals present needs similar to those observed in B2B segments with significant transactions: payment instruments that are efficient, secure and able to handle high amounts in a fully digital way.

In this context, A2A payments and, in particular, MyBank offer banks and PSPs the opportunity to broaden their value proposition towards business customers, while at the same time strengthening risk control and operational efficiency.

For institutions that are not yet part of the MyBank network, considering joining the A2A ecosystem can be an important step to capture the growth of high-value verticals also in B2C.

For more information on how to join the MyBank network: https://mybank.eu/payments/partners-and-psps/

[1] Report Digital 2026 Global Overview Report – We Are Social