Through the described contactless payment technology with payment card network to open banking network conversion, the open banking network can be leveraged to bring acceptance for digitized bank account based contactless payments. A converter can receive, via a payment card API channel, a contactless payment message, which includes at least a consumer account number, an acquirer account number, and transaction information for a transaction. The converter can convert the contactless payment message to an open banking message by obtaining a unique B2B trust token corresponding to the consumer account number and creating the open banking message for an open banking API channel using at least the B2B trust token, the acquirer account number, and the transaction information. The converter can communicate, via the open banking API channel, the open banking message to a consumer bank system.