JJ Pay By Bank FAQ
JJ Pay By Bank FAQ
All Your Questions Answered...
What Is Pay By Bank?
Pay by Bank is a new payment method that allows you to pay for your shopping quickly and securely by using Open Banking.
Open Banking allows customers to pay using their bank account instead of a card.
It’s simple to use and takes place in just a few quick steps, with no account setup required and without the need to enter payment details.
What’s more, the payment itself is handled entirely by your bank, which means that you benefit from bank-grade security.
Simply select the Pay by Bank option during the checkout process, at which point you will log in to your mobile banking app to seamlessly authorise and complete your payment.
See how it works here
Why Is JJ Launching This New Payment Method?
In a world where costs and fees keep going up, Pay by Bank offers a cost-effective payment method, which helps us to keep passing on great savings to you.
Who Are Ecospend?
Ecospend are the third-party provider for this new payment method and are an authorised payment institution regulated by the FCA. They provide open banking capabilities to connect merchants to consumers and businesses safely and securely.
Even HMRC use this payment institution to pay your personal and company tax. Read more.
You can find further information about Ecospend and their FCA Registration here.
Why We Collect Your Personal Data
To allow JJ to collect the payment, we will pass your payment reference number and the amount you want to pay to your bank. This will only be passed on with your permission.
No other information about you will be shared with Ecospend.
How We Use Your Data
Ecospend will use your data to make a payment request to your bank. They will fill in the payment reference and amount, so that you do not have to input these.
You need to sign in to your online banking or mobile app to approve your payment. Your bank will then action the payment request.
Your password and sign in details will only be shared with your bank.
If You Do Not Want To Share Your Data Using Open Banking
You do not have to use Pay by Bank and share your data with Ecospend to make a payment. You can choose another way to pay us.
Is Pay By Bank Safe?
Yes. Pay by Bank is a safe way to pay and is regulated by the Financial Conduct Authority (FCA). This is a new payment method where you safely transfer money to us directly from your bank account, through an FCA authorised third-party provider.
How Does It Work – 5 Simple Steps
  1. At the checkout, select Pay by Bank as your method of payment. This will take you to a list of UK registered banks.
  2. Select the bank you wish to pay from. When the bank is selected, it will authorise the payment according to its own security measures. This is likely to come in the form of ID authentication or your unique pin code.
  3. If you don’t have a banking app, you will be taken to your bank’s website and will be asked to enter your log in details.
  4. Once the payment has been authenticated, all the necessary information (account number, value etc) will be pre-populated on the page – easy!
  5. Simply select ‘confirm’ and the payment will be completed.
TOP TIP: For the best experience and to avoid manually entering log in details, download your bank’s official banking app.
How Long Does It Take For The Money To Come Out?
With most of the UK major banks, the transfer is instant! That’s even better news if you need to cancel an order – waiting for funds to settle can be frustrating. While cards and Direct Debit payments can take days for funds to settle, open banking payments provide instant settlement, ensuring that everyone gets their money back when they need it.
If I Cancel My Order, Will I Get A Refund?
If you have used Pay by Bank to purchase your online order, and then decide to cancel your order, depending on your bank, a refund will be processed. It can take any time from five minutes up to one hour for the refund to show in your bank account.
What Happens If My Order Is Cancelled By Anyone Other Than Me (For Instance, If I Don’t Collect An Order Placed Online?)
For orders placed online using Pay by Bank, the refund process will mirror a card refund process whereby refunds can take up to two working days to show in your bank account.
Please note – we can only refund or settle a Pay by Bank order once the funds have been received by JJ Foodservice. Only once the funds have been received can the payment be reconciled.
Having Trouble? Try This...
  • I can’t get any further than the bank screen
  • My bank says it is offline
  • The journey has timed out
  • I’m receiving error messages in the journey
If any of these happen to you, we suggest you wait a few hours and then check your online or mobile bank app to see if the funds have cleared.
I Can’t Get My Banking App To Work
Ok, if you can’t get your banking app to work – please speak to your bank or try uninstalling and reinstalling the latest version of your banking app.
Do not copy the details from the payment request to do a manual bank payment into the JJ Foodservice bank account.
If you do this, it will not be registered correctly as a paid order on the system, and you won't get your order.
We will refund any such payments after a working day.
Banks Not Currently Supported
Please note, these banks are not currently supported to offer the Pay by Bank option:
  • Metro Bank
  • TSB
Our team are working together with the respective banks to add them to the Pay by Bank payment option as soon possible.
Tide Customers
Before paying for your JJ Foodservice order with Pay By Bank you must first add our bank account as a payee.
Name: JJ Food Service Limited
Sort code: 60 83 84
Account Number: 40152654
If you are still having trouble, please contact our team via Live Chat or email our friendly customer service team directly customerservices@jjfoodservice.com