Collect and reconcile across Direct Debit, Faster Payments, Pay by Bank, Variable Recurring Payments and Standing Orders. CoP verification, smart retries and automated forbearance—all from one integration.
Real-time disbursements and collections via Faster Payments. Process loan disbursements, savings withdrawals and manual payments.
Funds reach the right account in minutes. CoP verification prevents fraud and ensures compliance.
Automated recurring collections with smart retries. Set up and manage Direct Debit mandates for loan repayments.
Maximise collection rates with automated scheduling and intelligent recovery strategies.
Open Banking-powered instant payments. Send payment links via SMS and WhatsApp for bank-to-bank transfers.
Give customers their preferred payment method, improving conversion and reducing friction.
Sweeping VRP for flexible collections. Leverage Open Banking VRP for variable recurring payments.
Use Open Banking data to set payment ranges balancing collection needs with member ability to pay.
Scheduled fixed payments with full visibility and automated alerts for Standing Order arrangements.
Respect member preferences whilst maintaining schedules and reducing payment management time.
Full Match, Partial Match and No Match verification before every payment prevents fraud and ensures accuracy.
Real-time reconciliation across all settlement accounts ensures books always balance and discrepancies are caught instantly.
Complete audit trail of every payment action for compliance, dispute resolution and forensic analysis.
AI-powered orchestration automatically selects optimal payment route based on customer, amount and history.
The Pay module orchestrates all payment methods and continuously optimises routing and timing to maximise collections and member satisfaction.
Automatically select the best payment method based on success rates, cost and customer preference to maximise collections.
Determine optimal timing based on payroll cycles and historical patterns to reduce failures and improve experience.
Detect payment stress and automatically trigger forbearance protocols including payment holidays and alternative methods.