Blog

The holiday season is the busiest, and most competitive time of year for merchants. With customers flooded by offers, ads, and discounts, one thing sets successful brands apart: a frictionless, trustworthy checkout experience.

While pricing and promotions draw shoppers in, payment experience keeps them coming back. And that’s where our product DPMax Open Banking (also known as Pay by Bank) is quietly transforming how businesses earn loyalty.

1. Trust Is the new currency

During the holidays, customers shop under pressure: short delivery windows, limited-time offers, and packed wish lists. Any friction, like failed card payments or declined transactions - risks losing them instantly.

Open Banking payments build trust through transparency. Customers pay directly from their bank accounts, no card numbers or intermediaries involved. This reduces fraud risk and ensures instant confirmation, giving buyers confidence that their order went through successfully - and merchants peace of mind with guaranteed funds.

💡 Stat: According to the European Central Bank, over 70% of shoppers say they’re more likely to return to a store that offers secure, hassle-free payments.

2. Loyalty through simplicity

Loyalty isn’t built only after the purchase - it starts at checkout.
Open Banking payments simplify this critical step:

• No need to enter long card numbers
• No risk of expired cards or failed authorizations
• Secure bank login and instant confirmation

In busy holiday moments, this simplicity translates into saved time and fewer abandoned carts. When customers experience how fast and easy Pay by Bank is, they’re more likely to return for future purchases - even after the seasonal rush ends.

3. Lower costs = better rewards

One overlooked benefit of Open Banking is cost efficiency.
Without card networks or acquirer fees, merchants can save up to 3-4% per transaction. Those savings can be reinvested in loyalty programs, rewards, or free shipping, things customers notice and appreciate during the holidays.

By offering DPMax Open Banking, merchants can maintain profitability during peak season while delivering more value to their customers.

4. Cross-Border shopping without barriers

The holidays are global.
A shopper in the Netherlands might buy from a UK store, while someone in Spain orders from a US brand. But if the payment method isn’t local, checkout friction rises - and conversions drop.

With DPMax Open Banking, merchants can reach 100% of customers and guarantee 100% coverage of European banks through one integration. That means customers across Europe can pay using their own trusted bank, in their local language and currency. It’s the ultimate way to build trust and loyalty across borders.

5. Looking beyond the holidays

Customer loyalty doesn’t end when the decorations come down.
Offering fast, secure, and transparent Open Banking payments positions merchants for long-term success. It turns one-time holiday shoppers into repeat customers, and turns seasonal revenue spikes into sustainable growth.

Conclusion: Loyalty starts at checkout

This holiday season, loyalty won’t be won by the biggest discount, it will be won by the best experience.
Open Banking gives merchants a way to offer just that: faster, safer, and simpler payments that customers trust.

And with DPMax, you get full European bank coverage with our AI smart routing in just one integration - helping your business turn every payment into a loyalty opportunity.

👉 Learn more about how DPMax Open Banking helps merchants boost loyalty this holiday season.

Contact our team → sales@2000charge.com