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Use Case

Payments Automation

Automate every payment rail from FP to Pay by Bank.

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5
Payment Rails
<1s
Faster Payment Execution
99.9%
Reconciliation Accuracy
Real-Time
Event Tracking
Payment Infrastructure

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.

Direct Debit collection with mandate management
Pay by Bank one-time and recurring
Real-time payment confirmation

Pay Out

Disburse via Faster Payments for instant settlement or BACS for cost-effective bulk payouts.

Faster Payments for instant disbursement
BACS Direct Credits for batch payouts
Smart routing by urgency and value

Reconcile

Transactions matched to ledger in real-time.

Automated ledger matching
Settlement account management
Exception handling and alerts
Payment Rails

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.

Funds settled in under 2 seconds
Available 24 hours, 7 days a week, 365 days per year
Perfect for time-critical payments and loan drawdowns
Faster Payments Details
Avg. Settlement Time< 2 seconds
Availability24/7/365
Max Transaction£1,000,000
Status✓ Active

BACS Direct Credits

Bulk payment service: files settle within 3 working days. Cost-effective for payroll, suppliers and loan advances.

Processing within 3 working days
Unlimited batch sizes and recipient numbers
Ideal for bulk payroll and scheduled disbursements
BACS Direct Credits Details
Processing Cycle3 working days
Batch LimitUnlimited
Cost per TransactionFrom 5p
Status✓ Active

Pay by Bank

Open banking payments from customer bank accounts. No fees, no chargebacks, instant confirmation for collections and mandates.

Instant payment confirmation after customer authentication
No card fees or chargeback liability
High conversion rates with strong customer uptake
Pay by Bank Details
ConfirmationInstant
Card FeesNone
Chargeback RiskNone
Conversion Rate92%+ Active

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.

CSV batch upload or API trigger
Same-day settlement with per-recipient tracking
Automatic status updates and reconciliation
Bulk Payments Details
Batch UploadCSV or API
SettlementSame day
TrackingPer-recipient status
ReconciliationAutomatic

Settlement Accounts

Settlement accounts to manage float with FCA-safeguarded protection and automated sweep operations.

FCA-safeguarded account for client money protection
Multi-client pooling with automated sweep operations
Real-time balance visibility and reporting
Settlement Accounts Details
Account TypeFCA Safeguarded
PoolingMulti-client
Sweep AutomationConfigurable
ReportingReal-time balance
Full Reconciliation

Ledger-Level Reconciliation, Automated

Match payment instructions to ledger in real time. Automatic reconciliation surfaces exceptions instantly.

Real-Time Matching
Payments are reconciled against expected ledger entries as they settle — no batch delays.
Exception Management
Unmatched or partial payments are flagged immediately with suggested resolution actions.
Audit Trail
Complete, immutable record of every payment event — from instruction to settlement to reconciliation.
Reconciliation Overview
Total Payments
1,247
Matched
1,231 (98.7%)
Exceptions
16
Pending
12
INV-2024-1847Matched
INV-2024-1846Matched
INV-2024-1845Pending Review
INV-2024-1844Matched
Intelligence

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.

Webhooks Event API Real-Time

Pre-Built Consoles

Dashboards cover payment volumes, settlement times, failure rates and reconciliation accuracy.

Volume Trends Settlement SLA Failure Analysis

Alerting & Escalation

Set alerts for delays and exceptions.

Threshold Alerts Slack Integration Escalation Rules
Flexible Integration

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.

Payments Automation 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.

Ready to Automate Your Payment Operations?

See how our payment infrastructure streamlines pay-ins, payouts and reconciliation from a single platform.

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