Our Company

PayWithMyBank is an online and mobile payment alternative to cards and checks that allows you to pay or get paid using the information you know by heart – your online banking ID and password. We establish a secure connection to your online banking account directly from the site you are on, without ever storing or sharing your information with the site. It’s just between you and your bank.

Your bank authenticates you. We verify your account standing and initiate the payment. We can even autofill shipping forms using your address on file at your bank, saving you significant time.

Payouts, such as insurance claims or gaming winnings, have never been easier. Just go to your insurance provider’s or gaming operator’s site, log into your bank, and accept the deposit. No more waiting for checks in the mail. No more taking pictures of checks or making trips to the bank.

Anyone who banks online can use PayWithMyBank. There’s no account to create, no new password to remember. Your bank provides you with the same security you trust daily for online banking, and you pay or get paid directly with no card numbers to key in or bank numbers to transcribe from a check.

PayWithMyBank reaches more consumers than any other payment type because more people have a bank account than a credit card. Our real-time identity and bank account verification virtually eliminates identity fraud, mis-keying, non-sufficient funds, and other exceptions.

With PayWithMyBank, people enjoy a more convenient and secure payment experience, e-commerce merchants, money movers and gaming operators get a real-time good funds guarantee and save on payment fees, nonprofits put more donation dollars to their cause, and check issuers move disbursements online.

PayWithMyBank clients include Western Union, MoneyGram, Flywire, First Data, UNICEF, United Way, DraftKings, FanDuel and major social media, telecom, and utility companies.

Founded in 2012, PayWithMyBank is located in California’s Silicon Valley. In 2019, we joined forces with Trustly and now provide online banking payments in 30 countries across North America and Europe. Learn more about Trustly at www.trustly.com

More about PayWithMyBank and the history of online banking payments in the US

 There’s no account to create

 No credit or debit card to reach for

 No bank account or routing number to type in

 All you need is your online banking ID and password

It’s That Easy!

Management Team

Alexandre Gonthier


Alex is from Switzerland, so it’s no surprise that he’s a money expert. Since 1997, he has been a founder and entrepreneur, building several successful payments companies. Alex was CEO and co-founder of iPIN (acquired by Aepona and subsequently, Intel Corp.), a leading online and mobile payment platform for the likes of Visa, Wells Fargo, HSBC, AT&T, Verizon, Vodafone, Orange, BT and GM.

Alex was also the CTO of mobile payments company Paymo, which merged with Boku (LON: BOKU), the global leader in carrier billing-based mobile payments fueling customers like Apple, EA, Facebook, Google and Sony. As CEO and Director of online and mobile ticketing platforms Trinity Mobile and Ticketscript (now part of Eventbrite, NYSE: EB), he learned firsthand about payments from the merchant acceptance perspective. Alex was previously an Advisor to private equity firm 3i (LON: III) and a Venture Partner at venture capital firm Wellington Partners in London.

Craig McDonald


Craig is a financial technology veteran with over 17 years’ experience working to solve the payments challenges for companies of every size and vertical. Prior to PayWithMybank, Craig spent three years with MoneyGram supporting its 2,700 financial institution clients, a $2 billion portfolio, and the company’s digital distribution.  Previously, Craig held executive positions at Nexxo Financial (acquired by MoneyGram), Valista/iPIN (acquired by Aepona and subsequently Intel Corp.).  At Valista, Craig was COO and managed worldwide expansion with customers such as AT&T, Verizon, AOL, General Motors, Bristish Telecom, France Telecom, NTT DOCOMO, and others. Craig has a B.S. in Electrical Engineering and Computer Science from Michigan State University.

Ezio Fernandes


Ezio is a Computer Scientist from Brazil, where he started programming when he still had to sit at the kids’ table. He has been the chief software architect and lead programmer at several prominent companies for over 18 years. Prior to PayWithMyBank, Ezio led technical teams at the Brazilian telecommunications regulatory agency, Anatel, and at Claro Mobile, the largest mobile phone network in the Americas. Ezio’s experience in payments comes from 3 years at BOKU as Chief Architect, and 5 years at the Xerox research and development center in Brazil. He also worked as consultant and/or lead architect on several projects for companies including CTBC Bank, TIM, Telefonica, Merrill Lynch and ArcelorMittal. Ezio has a degree in Computer Science from the Universidade Federal do Espírito Santo in Brazil.

Kendall Myles


Ken learned at an early age the importance of getting paid. At age 8, he started a snow shoveling business, which quickly expanded into snow blowing and gardening. Before long, he had 4 employees. Aside from his snow expertise, Ken is a 13-year payments veteran. He joined Cardinal Commerce in 2000 and helped take it from startup to 30,000 customers strong. Ken worked closely with Visa, MasterCard, PayPal, Google, Bill Me Later and NACHA, and forged relationships with JP Morgan Chase, Bank One, Fifth Third, Paymentech and First Data. Before that, he co-founded an IT consulting firm. Ken and his partner grew the firm to 50+ consultants over 12 years, and eventually sold the business. He started his career at IBM in the 80’s helping bring the PC to market. Ken has been interviewed by USA Today and The Wall Street Journal and featured in Internet Retailer, Digital Transactions, Cards & Payments, and Payments News. Ken has a B.S. in Business from Bowling Green State University.

Christianne Carvalho


Chris became an IT lover when she understood she was just a few clicks away from the whole world without leaving her chair in the IT lab at the University of Minho in Portugal. She moved to Brazil to complete her BS in Computer Science at the FAESA university. Her passion for software development led to various roles in large and small IT organizations alike, helping to mold her into a skilled project manager and appreciated team leader. With years of experience in financial services technology, specifically in the insurance and payments sectors, Chris joined PayWithMyBank in 2012 to run the company’s software development and service operations office in Brazil. Prior to PayWithMyBank, she was with Vale, the world’s largest iron ore producer and exporter, helping to project manage the implementation of mission critical port management systems. Before Vale, she led the Brazilian software development team of BOKU, a leading global carrier billing payments provider.

PayWithMyBank within the Trustly group

Founded in 2012, we joined forces with Trustly in 2019 and are the leading Online Banking Payments provider operating in 30 countries across North America and Europe.