Compliance
Client funds, safeguarded and reconciled daily.
Client money in dedicated safeguarding accounts at tier-1 credit institutions — segregated from operating funds, reconciled every day, and evidenced on demand.
Book a callSafeguarding is a regulatory obligation and a question every serious customer, investor and regulator will ask. On the Payscape platform, client funds are safeguarded by our licensed EMI partners in line with the applicable e-money regulations — held separately, reconciled daily, and provable at any point.
Segregation
Client money, never mixed with operating funds.
Funds belonging to your customers are segregated from your operating money and from the partners' own funds, by design, from the moment they arrive.
Segregated by design — client funds separated from operating capital automatically
Per-account accountability — each customer's funds individually accountable
No co-mingling — client money is never mixed with Payscape or partner funds
Continuous — segregation maintained throughout the life of the account
Safeguarding — Programme
Matched ✓Client funds held
€1,284,500
Safeguarded
€1,284,500
Balances matched
Difference: €0 · confirmed today
Segregated · reconciled daily · no co-mingling
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Safeguarding accounts
Held at tier-1 credit institutions, by licensed EMIs.
Safeguarding accounts are held at tier-1 credit institutions by our licensed EMI partners, under the electronic-money regulations that govern them.
Tier-1 credit institutions — safeguarding accounts held at established institutions
Held by licensed EMIs — our partners hold the funds under their authorisations
Under e-money regulations — safeguarding follows the applicable regulatory regime
Partner-operated — the regulated permission and the funds sit with the EMI partner
Programme accounts
Tier-1 credit institution
Held by licensed EMI partner
€1.28m
Ring-fenced
Not co-mingled with client funds
Client money ring-fenced · held under e-money regulations
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Daily reconciliation
Matched and confirmed, every day.
Every client account balance is reconciled against safeguarded funds daily, so any discrepancy is caught immediately rather than at period end.
Daily match — client balances reconciled against safeguarded funds each day
Automated — the reconciliation runs without manual assembly
Exceptions surfaced — any mismatch flagged immediately for resolution
Recorded — each daily reconciliation retained as evidence
Reconciliation — today
Confirmed ✓Client balances
€1,284,500
Safeguarded
€1,284,500
Difference
€0
Automated · daily · exceptions surfaced immediately
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Accountability & evidence
Safeguarding you can prove, on demand.
Produce safeguarding evidence per account, per day or per programme whenever a regulator, auditor or investor asks — without a manual reconstruction.
Evidence on demand — per account, per day, per programme
Audit-ready format — extracts in standard formats for auditors
Full history — daily reconciliations retained over time
One source — the same record underpins operations and reporting
Safeguarding evidence
Period
Today
Programme
All accounts
Record type
Daily reconciliation
Ready for audit · full history retained
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Segregated by design
Client money is ring-fenced from operating funds automatically and continuously.
Reconciled daily
Balances are matched against safeguarded funds every day, not at period end.
Evidence on demand
Produce per-account, per-day safeguarding evidence whenever it's asked for.
Compliance & evidence
Every safeguarding 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.
Client money is held and safeguarded by our licensed EMI partners. Payscape provides the technology and programme management; it does not hold client funds.
In dedicated safeguarding accounts at tier-1 credit institutions, operated by our licensed EMI partners under the applicable electronic-money regulations.
Daily. Every client account balance is matched against safeguarded funds each day, with any discrepancy flagged immediately.
Yes. Safeguarding evidence can be produced per account, per day or per programme on demand, in standard formats.
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.