Compliance
Fair terms, transparent fees, controlled change.
Clear fee disclosure, treating-customers-fairly obligations and version-controlled terms — so your proposition stays fair and compliant as it grows, and you can prove it.
Book a callConduct and fairness obligations don't disappear once a customer is onboarded. Payscape helps you present fees transparently, meet treating-customers-fairly expectations, and manage changes to terms under proper version control — with the evidence to show a regulator your customers are treated fairly.
Transparent fees
Fees your customers can actually see.
Fees are disclosed clearly and surfaced to customers, so there are no hidden charges and the basis of every fee is transparent.
Clear disclosure — fees presented plainly at the point they apply
No hidden charges — the basis of each fee is transparent
Consistent presentation — fee information shown the same way across the proposition
Recorded — the fee schedule and changes to it retained
Fee schedule
DisclosedAccount
€0 / month
Card issuance
€X per card
SEPA CT
€X per transfer
SEPA Instant
€X per transfer
Disclosed to customer at the point of application · schedule retained
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Treating customers fairly
Fairness built into the flow.
Treating-customers-fairly expectations are reflected in onboarding, communications and ongoing servicing, so fair outcomes are designed in rather than bolted on.
Fair by design — TCF expectations reflected across customer journeys
Clear communications — customers given the information they need, when they need it
Appropriate outcomes — flows designed to deliver fair customer outcomes
Evidenced — the controls behind fairness recorded for review
Treating customers fairly — controls
Clear pre-contract information
✓Suitable, plain-English communications
✓Complaints route published
✓Vulnerable-customer provisions
✓Controls recorded and reviewable for audit
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Terms & change control
Terms under version control.
Customer terms are versioned, and changes are made under a controlled process with appropriate notice — every version retained and traceable.
Versioned terms — each set of customer terms held as a tracked version
Controlled change — updates made through an approval process, not ad hoc
Appropriate notice — customers notified of changes as required
Full history — every prior version retained and traceable
Terms versions
Version-controlledCustomer T&Cs
Customer T&Cs
Customer T&Cs
Change log retained · each version traceable
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Complaints & disclosure
A clear route, properly recorded.
Complaints are captured through a defined route and recorded, and required disclosures are made — so conduct obligations are met and evidenced.
Defined route — a clear, published way for customers to complain
Recorded — complaints logged and tracked to resolution
Required disclosures — regulatory disclosures made to customers
Reportable — complaints and disclosure activity available for reporting
1
Open
9
Resolved
Case #00042
Fee query · received 12 Oct
Route: published · logged to resolution
Route published · complaints and disclosures reportable
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Transparent by default
Fees are disclosed clearly and the basis of each is visible to the customer.
Changes under control
Terms are versioned and changed through an approval process with proper notice.
Fair and evidenced
TCF controls, complaints and disclosures are recorded and reportable.
Compliance & evidence
Every fairness and governance capability runs under governed, audit-ready controls.
Payscape operates Control Cloud — our own governed compliance environment. We author, version-control, test and deploy every compliance rule ourselves; the configuration is never outsourced. Every account event, IBAN assignment, transfer and transaction is recorded with its compliance context — screening status, monitoring outcome and the version of the rule Payscape applied — so you can show your working to a regulator, auditor or investor at any point.
Payscape version-controls every rule — every change reviewed, approved and deployed by us
Audit trail per event — not just the transaction but the compliance decision
Safeguarding reconciled daily — client funds matched and confirmed automatically
Reporting out of the box — pre-built statements and extracts in standard formats
Customer monitoring
LiveCustomer
Screening
Risk
Acme Ltd
Clear
Jane Cooper
Clear
Sample Property Co
Review
Example Trading Ltd
Clear
Last refreshed: just now
4 customers · 1 under review
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Access
Two ways to work with Payscape.
Build on the APIs
Embed accounts, IBANs and payments directly into your own product. REST APIs, full sandbox, webhooks for every event — your users stay in your interface throughout.
Read the developer docsOperate from the portal
Run the whole programme from the Control Cloud portal — open accounts, send onboarding links, approve transfers and see consolidated balances across your entire book. No code required.
Request a demoFAQ
Common questions.
Fees are presented clearly at the point they apply, with the basis of each fee transparent, and the fee schedule and any changes are retained.
TCF expectations are reflected across onboarding, communications and servicing so that fair outcomes are designed into the customer journey, with the controls behind them recorded.
Customer terms are version-controlled and changed through an approval process with appropriate notice, and every prior version is retained.
Yes. Complaints are captured through a defined, published route and logged to resolution, alongside any required regulatory disclosures.
Open a new revenue line,
built for your industry.
Talk to our team. We'll help you understand what's possible, what it takes to go live, and how to structure a programme that works for your business.