One integration, every UK payment rail, one reconciled ledger
Credit Canary is your payments orchestration partner. We connect every UK rail through regulated partners, route each payment over the rail that fits it, and post every movement to one ledger that reconciles itself.
Payments is four jobs, not one
Most teams buy a rail when what they actually have is a job to do. Start from the job and the right rails follow.
Take a payment now
Deposits, arrears, invoices and settlement figures, paid in full and paid now, without a card fee where the customer will accept bank payment.
Collect regularly
Fixed and variable collections that fail less and reconcile themselves, with the retry strategy that protects your margin on arrears.
Pay out & settle
Loan payouts, landlord remittances, broker commissions and refunds, sent the same day and correctly referenced so the other side can reconcile them too.
Reconcile & control
One view of every inbound and outbound payment, every retry and failure, every chargeback and indemnity claim, instead of a different portal per rail.
The job that every industry shares, and the one manual work hides in.
Stop integrating rails. Start routing payments.
A rail is a connection. Orchestration is the layer that decides which one to use, carries the reference through, and keeps the books straight.
One integration, not five
Build once. Add or switch rails without another engineering project, because the integration is to Credit Canary, not to each partner.
Route to the rail that fits
Send each payment over the cheapest rail that will succeed for that job, and fall back automatically when one does not.
One ledger, no hand-matching
Every movement posts to one reconciled ledger with a structured reference, so finance stops matching payments to invoices by hand.
Rules and workflows, not just rails
Orchestration is the logic between the rails: when to collect, how to retry, when to pay out, and how it all reconciles. You configure it once, and it runs on every payment.
Collection rules
Time each collection to the customer's real pay date, retry intelligently after a miss, and step down to a smaller affordable amount instead of failing. The retry strategy is where the margin on arrears is won.
Payout rules
Release payouts the same day, gate them on approvals or milestones, run Confirmation of Payee before money leaves, and split settlement between parties, each payout referenced to the deal.
Payment workflows
Route each payment to the rail that fits the job, fall back automatically when a bank or card declines, capture consent once, and move a customer between rails without a second build.
Reconciliation & ledger
Every inbound and outbound payment carries a structured reference and matches to the right account on arrival, so finance stops reconciling by hand and sees chargebacks and indemnity claims in one view.
Built around how your industry actually gets paid
The right mix of rails is different for a credit union, a merchant cash advance lender and a lettings agent. Find yours.
Consumer lending
Collect regularly, pay out fast, keep arrears off the card rails.
See all 11 industriesSME & commercial lending
Variable collections and settlement accounts that reconcile on arrival.
Recurring obligations
Rent, utilities, subscriptions and memberships, collected without churn.
Recovery & regulated money
Arrangements that hold, and client money that reconciles cleanly.
Platforms & payouts
Split settlement, seller payouts and refunds at volume.
Compare the seven methods by job, speed, reversibility and cost.
Compare methodsSeven rails, one decision
The decision is about the job, not the rail. A quick read, then the full comparison.
| Method | Best for | Settles |
|---|---|---|
| Pay by Bank | High-value one-offs | Near-instant |
| Faster Payments | Payouts & settlement | Minutes |
| Direct Debit | Fixed recurring | A few days |
| Commercial VRP | Variable recurring | Near-instant |
| Cards | Customer-present | Days |
| Settlement accounts | Holding client money | On arrival |
| VRP (sweeping) | Self-to-self moves | Near-instant |
Payments guides
Practical explainers on the rails, the rules and the reconciliation.
One reconciled ledger beats a stack of portals
Read
Direct Debit vs commercial VRP: which rail, and when
Read
Taking arrears off the card rails with Pay by Bank
Read
Settlement and virtual accounts, explained
Read
The hidden cost of unreferenced Faster Payments
Read
Direct Debit indemnity claims: the line nobody budgets for
ReadPayments orchestration: FAQs
One integration to every UK payment rail instead of a separate connection to each. We route each payment over the rail that fits it, post every inbound and outbound movement to one ledger, and reconcile it automatically. We orchestrate the regulated partners who provide the acquiring, accounts and scheme access.
Faster Payments, Pay by Bank, cards, settlement and virtual accounts, VRP, commercial VRP and Direct Debit. All seven are live today, delivered through regulated partners.
No. We orchestrate, route and reconcile payments across regulated partners who hold the acquiring, accounts and scheme membership. You get one integration and one reconciled view across all of it.
By the job. A same-day loan payout goes over Faster Payments; a high-value one-off collection goes over Pay by Bank to avoid card fees and chargebacks; fixed monthly repayments go over Direct Debit; variable repayments go over commercial VRP. You set the policy and can override it per payment.
Every payment, across every rail, posts to one ledger with a structured reference and is matched to the right loan, invoice or customer on arrival. Retries, failures, chargebacks and indemnity exposure sit in one place rather than across several bank portals.
On volume. Tell us the mix of payments you take and make, and we will quote the whole thing. There are no per-rail price points to piece together.
Tell us how you get paid
Send us the mix of payments you take and make, and we will quote one integration across every rail, priced on your volume.