Collect on the day that works, not the day the contract started.
Every collection rail from one API: Direct Debit, Pay by Bank, cards, VRP and CVRP. We pick the right day to collect against real income, then reconcile it straight to your ledger.
Collection schedule
One API. Every way your customers pay.
Direct Debit, Pay by Bank, cards and recurring payments, orchestrated from a single integration and reconciled to the same ledger.
Direct Debit
The default for scheduled collections. We set the collection day against real income, not the day the contract happened to start.
Pay by Bank
Open banking, account to account. Instant, low cost, and nothing sensitive to store.
Cards VISA · MC · AMEX
Mastercard, Visa and Amex for one-off collections and card-on-file fallback when a rail fails.
VRP
Variable Recurring Payments. Sweep the right amount on the right day, inside limits the customer agreed once.
CVRP
Commercial VRP for business collections and higher-value recurring mandates.
The right day, automatically
Whichever rail you use, we time the collection to when the money is actually there, then reconcile it to your ledger the moment it clears.
The intelligence comes first. The rail is the last step.
Anyone can move money. The value is knowing when a payment will work, and fixing it before it doesn't.
Pick the day
Deep data models identify the best day to collect for this specific customer, against their actual income and outgoing pattern, not the day the contract happened to start.
Watch whether it will work
Continuous monitoring of whether the customer can still meet the payment, ahead of the due date, not a surprise on the day.
Fix it before it fails
Where the answer is no, the Banking Module and messaging surface the next best action, what can you afford? and an arrangement is agreed and rewritten on the ledger.
Then execute
On whichever rail fits the job, Direct Debit, Faster Payments, Pay by Bank. This is the last step, not the headline.
Keep your payment providers. Keep your ledger.
Credit Canary is not a PSP. We supply the intelligence that tells your existing providers what to do, and the endpoint that drives it, we instruct, your provider executes.
No re-procurement
No migration, no contract break. The biggest objection to a payments module disappears.
Faster to live
Integration timelines, not scheme-onboarding timelines.
Keep your relationships
Your commercial terms and negotiated rates stay yours.
When to collect, whether it will work, what arrangement is affordable, and execution.
The Banking Module and omnichannel messaging, where the customer sees the option and accepts it.
Pay decides, Act delivers, and neither works without the other. Banking Module →
Pay In. Pay Out. Reconcile.
One engine covering every rail, Direct Debit, Pay by Bank, Faster Payments, BACS and settlement.
Pay In
Collect via Direct Debit or Pay by Bank.
Pay Out
Disburse via Faster Payments for instant settlement or BACS for cost-effective bulk payouts.
Reconcile
Transactions matched to ledger in real-time.
Five Rails, One Platform
Different contexts need different rails.
Faster Payments
Real-time UK payments settled in seconds, available 24/7/365 for disbursements up to £1m.
BACS Direct Credits
Bulk payment service: files settle within 3 working days. Cost-effective for payroll, suppliers and loan advances.
Pay by Bank
Open banking payments from customer bank accounts. No fees, no chargebacks, instant confirmation for collections and mandates.
Bulk Payments (Pay by Bank)
Scale Pay by Bank for high-volume disbursements via file or API. Funds settle bank-to-bank with automatic tracking.
Settlement Accounts
Settlement accounts to manage float with FCA-safeguarded protection and automated sweep operations.
Ledger-Level Reconciliation, Automated
Match payment instructions to ledger in real time. Automatic reconciliation surfaces exceptions instantly.
Event Tracking & Pre-Built Analytics
Real-time event streams and pre-built analytics, understand payment performance instantly.
Real-Time Event Streams
Every event is published in real-time.
Pre-Built Consoles
Dashboards cover payment volumes, settlement times, failure rates and reconciliation accuracy.
Alerting & Escalation
Set alerts for delays and exceptions.
Access Payments Your Way
Full console, widgets, API, or file-based.
White-Label Console
Branded payments dashboard with transaction search, filters and full audit trails.
Embeddable Module
SSO-enabled payment widgets for Salesforce, Dynamics or your own platform.
REST API + Webhooks
Full payment orchestration via API with real-time event webhooks.
SFTP / Batch Files
Automated file-based processing for BACS submissions and bulk payment imports.
Payment Management Powers…
Collections Optimisation
Intelligent collections powered by automated payment scheduling and optimal rail selection.
Affordability Analysis
Verify income and expenditure patterns through payment data and real-time transaction visibility.
Smart Origination
Streamline loan drawdowns with instant Faster Payment disbursement and confirmation.
One product, wired into the whole platform
Buy Payment Management on its own, prove it, extend. It runs on the Payment Agent, sits in the Pay module, and grows into the next step of the journey.
Payment initiation across your existing providers, on your instruction.
Ready to Automate Your Payment Operations?
See how our payment infrastructure streamlines pay-ins, payouts and reconciliation from a single platform.