Embedded finance for vertical software
Embedded finance, ready-made for your industry.
A finished, industry-specific workflow you embed in your product — it takes the operational pain out of moving money for your customers, opens a new revenue line for your platform, and produces the compliance evidence regulators and auditors expect.
Built for your industry
Finance embedded in a workflow designed for the sector — not a kit of APIs to assemble yourself.
Solve and earn
Fix costly operational problems for the businesses you serve, and open a new revenue line for your platform at the same time.
Evidence built in
Every flow produces the proof regulators and auditors ask for — by default, not as an afterthought.
Going further
Finished, not building blocks.
Accounts, cards and payment rails are widely available. What takes specialist knowledge is assembling them into a finished product — onboarding, compliance controls, spend control rules, complex account hierarchies, payments in and out, reconciliation and the evidence trail. Payscape delivers it for compliance-sensitive sectors.
Generic infrastructure
You still need to build:
Onboarding and ID&V flow
Compliance controls and monitoring
Reconciliation and attribution logic
Audit trail and regulatory reporting
Sector-specific workflow rules
A finished workflow
Ready to run, with evidence built in:
Onboarding flow — ID&V and KYB automated
Monitoring active from day one
Reconciliation and attribution at source
Audit trail per event, per transaction
Sector rules version-controlled and deployed
Solutions
Workflows built for your sector.
A fixed combination of capabilities wired to deliver one industry outcome — out of the box, with the regulation already accounted for.
Property management
Collect rent, split it, pay every party — reconciled at source.
Accounting software
Client-money accounts inside your platform, auto-reconciled.
Employee benefits
Benefit cards issued with the spend rules built in.
Marketplaces & platforms
Take payment, split it, pay sellers.
Revenue
Fix the problem. Open a new revenue line for your platform.
Every Payscape workflow does two things at once: it lifts the costly, manual burden of moving money at scale — reconciliation, attribution, payouts, controls — off you and your customers, and it opens a new revenue line for your platform that you don't have today.
The revenue flows from the financial activity already happening in your platform. No separate product to sell. No new customer relationship to build. It's embedded in the workflow your customers already run.
Compliance
Evidence built in.
A 360-degree view of every customer and the whole book, with daily screening and transaction monitoring sitting alongside the payment and card activity, all reportable. Audit-ready and regulator-ready by default — the proof compliance-sensitive sectors find hardest to produce themselves. Payscape configures and controls all of this in-house — screening, monitoring, risk and reporting — and never outsources compliance or its configuration.
Every customer profile shows ID&V status, screening outcome and risk rating alongside account activity
Transaction monitoring runs continuously — alerts and cases managed in one queue
Safeguarding balances reconciled daily, discrepancies surfaced immediately
Payscape version-controls, tests and approves every rule change before deployment — compliance configuration is never handed to a third party
Control Cloud — Compliance
Customer
Screening
Risk
Acme Ltd
Clear
J. & M. Smith
Clear
Sample Property Co
Review
R. Connell
Clear
4 customers · monitoring active · refreshed just now
Control Cloud.
One governed platform.
A single platform that delivers both the payment operations and the compliance evidence. Controlled payment workflows, embedded card issuing, SEPA pay-in and pay-out, onboarding, AML/CFT screening, safeguarding, reconciliation, spend controls and reporting.
Every payer can be given its own virtual IBAN, so payments self-identify on arrival and reconcile at source. Controls are version-controlled, testable before deployment and auditable at any point.
Controlled payment workflows
Virtual and physical card issuing
SEPA Credit Transfer and Instant
Customer onboarding — ID&V and KYB
AML/CFT screening and monitoring
Virtual IBANs — one per payer
Safeguarding and daily reconciliation
Spend controls and regulatory reporting
Platform
All white-label. All API-first.
Accounts & IBANs
- Payment accounts
- Virtual IBANs per payer
- Account hierarchy
- Real-time balances
Cards
- Instant virtual cards
- Physical on demand
- Spend controls
- Apple Pay & Google Pay
Pay-in
- SEPA CT & Instant
- Card acquiring
- Pay-by-bank (PISP)
- Cash lodgements
Pay-out
- SEPA CT & Instant
- Bulk & scheduled runs
- Rule-based splits
- Card-based payouts
Access
Two ways to work with Payscape.
Build on the APIs
Embed the workflow directly into your own product. Clean REST APIs, webhooks for every event, a full sandbox — your customers never leave your interface, and your brand is on every screen.
- REST APIs with OpenAPI spec
- Full sandbox, no real money
- Webhooks for every transaction
- White-label throughout
Operate from the portal
Run the whole programme from the Control Cloud web interface — issue accounts, send onboarding links, approve payments, and see rolled-up balances across your entire book. No custom code required to get started.
- Issue accounts with one click
- Send onboarding links by email or SMS
- Approve and execute payments
- Consolidated view across all entities
Trust
Built for scrutiny.
Payscape provides the technology and programme management; regulated electronic-money services are delivered with our licensed EMI partners — Heuro (ACPR), Moorwand (FCA) and Bnext (Banco de España) — with client money safeguarded at tier-1 credit institutions.
Our licensed EMI partners hold the licences and the regulated liability; Payscape owns and operates the compliance function — configuration, screening, monitoring and risk — and never outsources it.
Audit-ready, regulator-ready — every event logged with its compliance context
Card data is tokenised through PCI DSS-certified components
Operational resilience designed in line with DORA requirements
AML and KYB configured and operated by Payscape — ongoing monitoring with version-controlled rules
Scheme & partner network
Mastercard
SEPA
Moorwand
Heuro
Bnext
FCA · ACPR · Banco de España
Licensed EMI coverage
Embed finance 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 and your customers.