Open Banking

N9 Secure Payment Protocol

At N9 BIOTECH, research integrity extends beyond our products to our payment infrastructure. We utilise Open Banking- a highly secure, regulated payment technology - to ensure every transaction is encrypted, verified, and private.

By using regulated providers like Wallid, we eliminate the need for traditional card processing, providing a direct, bank-to-bank connection that meets the highest financial standards in the United Kingdom.

How the Protocol Works

Open Banking allows you to authorise payments directly through your own banking app. This "handshake" between your bank and our processor ensures your sensitive data never leaves your device.

  • Selection: Choose 'Instant Bank Transfer' at checkout.
  • Authentication: Select your bank (e.g., Revolut, Monzo, HSBC, Barclays).
  • Authorisation: Your secure banking app will open automatically.
  • Verification: Confirm the payment using your FaceID, TouchID, or PIN.
  • Confirmation: We receive an instant digital receipt to begin your dispatch.
Why Open Banking is the Superior Standard
1. Zero Data Footprint

Traditional card payments require you to share numbers, expiry dates, and CVVs. Open Banking requires none of this.

  • No card data stored on our servers.
  • No risk of "man-in-the-middle" card theft.
  • No sensitive data transmitted.
2. FCA-Regulated Security

Every transaction is governed by the Financial Conduct Authority (FCA) and the UK Open Banking Implementation Entity (OBIE). You are protected by the same security protocols used by major UK financial institutions.

3. Strong Customer Authentication (SCA)

Unlike a card that can be used if stolen, Open Banking requires Biometric Verification (your fingerprint or face) on your personal device to approve a transfer. You remain in total control of the "Send" button.

4. Research Privacy

We understand that privacy is paramount for our clients. Open Banking provides a clean, traceable, yet highly private transaction record that avoids the common "flagging" issues associated with traditional merchant processors in the biotech sector.

Protocol FAQ

Does N9 BIOTECH see my login details for my bank? No. The login process happens entirely within your bank’s encrypted app. We only receive a "Success" or "Fail" notification.

Is Wallid safe? Yes. Wallid is a leading UK-regulated provider. They act as the secure bridge but never have access to your funds or account details.

What if I don't have a banking app? You can still authorise the payment through your bank's secure online web portal using your standard login procedure.

N9 BIOTECH is committed to Research, Simplified. By removing the risks associated with traditional card payments and replacing them with banking-grade encryption, we provide a secure, transparent, and professional environment for all your research requirements.

Open Banking | N9 BIOTECH