Let’s talk about something a lot of us do at least once a month: sending money from our bank account to another. And how banks are enabling smarter digital payments for everyone with the Sentoo Pay by Bank.
Most of us don’t stop and think about how we’re paying. Our main concern is that we want our payment to go through without stress.
For years, bank transfers have been the standard way to pay each other remotely. They replaced cheques, reduced the need for cash, and helped modernize payments in Aruba, Bonaire, Curaçao, Saba, Statia, and St. Maarten. They were (and still are) an important step forward for our islands. But if you pause and look at the experience itself, you’ll notice something: it’s still very manual.
WHAT IS A BANK TRANSFER?
A bank transfer means you’re sending funds from one bank account to another.
To do that, you have to collect the other person’s or company’s banking details, double-check the information, account number, confirm the amount, and then carefully type everything into your banking app or bank portal.
It doesn’t feel complicated until you make a small mistake.
THE CHALLENGES OF A REGULAR BANK TRANSFER
One wrong digit in an account number or one extra zero in the amount can delay everything. And even when you’ve done it perfectly, there’s often that follow-up message: “Did you receive it?” “Can you send me a proof of payment?” Because the confirmation isn’t always instant.
It’s just…friction. Small pieces of friction that eventually add up.
THE SOLUTION: SENTOO PAY BY BANK
And that’s exactly where Pay by Bank comes in.
Sentoo Pay by Bank is offered in partnership with local banks to automate the bank transfer experience for businesses and make it easier for consumers to complete.
It allows consumers to pay businesses directly from their bank app or bank portal without having to enter all the bank transfer details themselves. This payment method is free for consumers, with no additional charges. The only possible costs for consumers would be a cross-bank transfer fee, which is determined by our bank’s own policies, not by Sentoo.
Sentoo simply connects the dots between the bank accounts through safe integrations with the banks themselves.
IMPORTANT TO KNOW
- Pay by Bank can only be used when paying a business or organization that offers it.
- You cannot initiate a Pay by Bank transfer on your own like a regular bank transfer.
- Sentoo does not hold funds, and we do not operate as a bank. We simply connect the payment securely between you and the merchant through direct integrations with participating banks.
- Everything happens within the banking rails you already trust.
HOW DOES IT WORK?
When you choose Sentoo Pay by Bank, the payment is already structured for you.
- Step 1: You click the Sentoo payment link or scan the QR code
- Step 2: You select your bank and click on continue.
- Step 3: Your bank app opens with the payment already filled in.
- Step 4: You review it and confirm the payment inside your banking app or bank portal.
- Step 5: That’s it!
The money still moves from bank account to bank account, just like a traditional bank transfer. The difference is that you don’t have to enter any details yourself, everything is prepared and ready to confirm.
It feels almost uneventful, and that’s exactly the point.
WHERE CAN YOU USE IT?
Over 750+ companies in Aruba, Bonaire, Curaçao, Saba, Statia, and St. Maarten offer Sentoo Pay by Bank.
You can spot this payment method at checkout on their website or app, via payment links, on invoices, or via a QR code.
Wherever you see us, the idea is the same: your bank handles the payment, we just help structure it.
A well-known example of this model is iDEAL in the Netherlands. In our region, Sentoo works together with Aruba Bank, APC Bank, Banco di Caribe, CMB, MCB, WIB, and Orco Bank to offer a similar experience for our islands.
A REAL-LIFE EXAMPLE: Z AIR
Z Air is a great example of how this improves the experience for everyday people.
Before Pay by Bank was offered, when someone booked a flight remotely, the team would send their bank account details and wait for the transfer. If there was an error or delay, the booking process could slow down and, in some cases, even risk missing the ticket window.
After introducing Pay by Bank through payment links, customers could simply click the link and approve the payment immediately inside their bank.
No manual typing, no uncertainty, and no more back-and-forth between customer service and the finance department to confirm if a payment was completed correctly or not.
As Benjamin Römer, Z Air’s Marketing & Loyalty Program Director, shared:
“The process feels more efficient and secure.”
And today, customers actively ask for a Sentoo payment link.
That’s when you know it’s working.
Read more success stories here.
THE BENEFITS
For consumers, that means zero chances to make mistakes and no more back-and-forth to confirm whether the payment arrived.
For businesses, it means payments arrive in a structured, easier-to-recognize format, without teams having to manually match references or chase confirmations. When you multiply that by hundreds of transactions a day, the operational impact becomes clear.
Another great thing about Pay by Bank is that consumers are not creating a new wallet or loading money somewhere else, your balance remains in your bank account, where it should be.
CONCERNS ABOUT YOUR PRIVACY?
This is important.
With Pay by Bank, you are not sharing card details. You are not giving Sentoo access to your login credentials, nor are you exposing your balance or transaction history. You authenticate directly within your own banking app, exactly as you normally would. Sentoo does not have access to your personal banking details. We are only notified whether the transaction succeeded or failed.
Our ISO 27001:2022 certifications ensure that payments are processed in accordance with strict international security standards. We do not store sensitive cardholder data. Payments run through your bank’s secure, audited systems from start to finish, with your bank remaining in control.
WANT TO TRY IT FOR YOURSELF?
If you’d like to experience Pay by Bank yourself, you can make a one-time donation to one of the many organizations accepting payments through Sentoo.
Complete a donation here.
No manual typing. No repeated sharing of account numbers.
For a full list of businesses offering Pay by Bank, visit:
https://sentoo.io/merchants
SENTOO.ME
If you’re tired of sharing your personal banking details when friends need to pay you back, you can download our app Sentoo.me.
With Sentoo.me, you create a payment request to easily split the bills with your family, friends, colleagues and more.
Once it’s sent, the other person gets to use the payment method Pay by Bank. They simply select their bank and approve the payment inside their banking app.
HAVE ANY QUESTIONS?
If you have any questions, feel free to connect with us.
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