Straight Through Processing
From decision to disbursement in seconds.
Decide. Post. Pay.
Approved applications flow through an automated pipeline — compliance, ledger and payment, hands-free.
Decide
Configurable rules for auto-approve or decline.
Post
Decisions post automatically with accounting.
Validate & Pay
Disbursement triggers automatically.
Rules-Based Decisioning
Real-time evaluation against configurable rules. Approve, decline or escalate without manual review.
Compliance Validation
Automated compliance checks verify KYC, AML and affordability before ledger posting.
Ledger Posting
Real-time ledger posting with automatic double-entry accounting and full traceability.
Payment Execution
Automatic Faster Payments disbursement once ledger updates. Payment confirmation via webhook.
Intelligent Exception Routing
Not every case auto-approves. The exception engine routes edge cases with full context for fast review.
Smart Routing
Route exceptions by reason code.
Full Context Handoff
Reviewers see complete data: transactions, flags, affordability output and triggering rule.
One-Click Resolution
Approve, decline, or request info.
Every Step Logged. Every Decision Traceable.
STP isn't black-box. Every decision is auditable.
Decision Audit Trail
Every rule evaluation logged with inputs, outputs and timestamps for regulatory review.
Ledger Integrity
Double-entry with immutable records.
Payment Traceability
End-to-end payment tracking.
STP That Fits Your Stack
Integrates via API, webhooks and file batch.
REST API + Webhooks
Full JSON API with event-driven webhooks for real-time status updates across the entire pipeline.
Direct Ledger Integration
Write directly to your general ledger via configurable adapters for major GL platforms.
Core Banking Connectors
Pre-built connectors for major UK core banking systems, with custom integration support.
White-Label Console
A branded operations dashboard for monitoring pipeline health, exception queues, and payment status.
STP That Serves the Whole Business
STP eliminates handoffs and risk.
Operations
Cases flow automatically from decision to disbursement. Focus on exceptions needing human judgement.
Finance & Treasury
Real-time posting keeps books current. Automated reconciliation gives instant cash position visibility.
Compliance
Every decision is logged with audit trails.
Ready to Automate Decision to Disbursement?
See how STP eliminates handoffs and accelerates.