Product
Give every customer
their own account.
Under your brand.
Multi-currency payment accounts and dedicated virtual IBANs — opened in minutes, under your brand, and visible in one consolidated view.
Book a callOur licensed EMI partners provide the regulated foundation — accounts, IBANs and cards. Payscape turns that foundation into a finished proposition: the workflow, controls, reconciliation and evidence, all built in.
Payment accounts and virtual IBANs are the foundation of any embedded-finance proposition. Payscape gives every customer, client or property in your programme their own account — individually addressable, real-time and fully reconciled — while you see your entire book in a single consolidated view.
The full account capability — hierarchy, IBANs, internal transfers, corporate entities and transaction history — is delivered on Control Cloud, with onboarding, compliance and reporting built in from the moment you go live.
Payment accounts
Accounts that move with your customers.
A dedicated payment account for every individual, company or property in your programme — opened in minutes, reflected in real time, yours to manage.
Open accounts in minutes — automated ID&V runs at onboarding, no manual review queue
Real-time balances — every credit and debit reflected immediately, no batch delays
Multi-currency programmes — support EUR and GBP across your programme, each delivered through the relevant licensed partner.
White-labelled throughout — your brand on every screen, statement and notification
All accounts
EUR Current Account
IE29 PSCP 9311 5212
€12,450.80
● Live
GBP Operating
GB29 PSCP 6016 1331
£8,200.00
● Live
EUR Client Escrow
IE29 PSCP 9311 5213
€4,125.00
● Live
3 accounts · all active
Total ≈ €26,234
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Account hierarchy
Structure that mirrors how your business works.
Model parent entities, client books and named sub-accounts in a hierarchy that reflects your real structure — consolidate upward, drill down instantly.
Parent-over-child accounts — roll up any entity's balances to a single view in real time
Named sub-accounts — segment by purpose, department or client without separate programmes
Consolidated reporting — see every entity's position from the top of the tree
Permissions by level — control who can see or act at each tier of the hierarchy
Group view
Consolidated3 entities · 5 accounts · last synced 2 sec ago
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Virtual IBANs
Every payer gets their own IBAN. Reconciliation happens at source.
Assign a dedicated virtual IBAN to each payer, property or recurring income stream — and let incoming payments identify themselves the moment they land.
Programmatic assignment — generate and assign IBANs via API in milliseconds
Self-reconciling — each inbound transfer maps directly to its source account automatically
Scalable to any volume — thousands of IBANs managed within a single programme
Audit evidence per payment — every IBAN assignment and inbound transaction logged with its compliance context
Virtual IBANs
IE29 PSCP 9311 0001
→ 14 Oak Street
€2,500 · 2 min ago
IE29 PSCP 9311 0002
→ John Smith — rent
€1,200 · 1 hr ago
IE29 PSCP 9311 0003
→ 22 Elm Avenue
€950 · 3 hrs ago
IE29 PSCP 9311 0004
→ Payer: Corp A
4 IBANs active · all self-reconciling ✓
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Internal transfers
Move funds between accounts in real time.
Instant, zero-fee transfers between any accounts in your programme — for client money movement, fund allocation or inter-entity settlement.
Instant settlement — transfers complete in real time and are available to the recipient immediately
No payment-scheme fee — internal transfers carry no payment-rail cost
Rule-based automation — trigger transfers on events, schedules or balance thresholds
Full audit trail — every internal movement recorded with timestamp, authorisation and rule version
New internal transfer
From
EUR Current Account
Balance: €12,450.80
To
EUR Client Escrow
Balance: €4,125.00
Amount
€5,000.00
Instant · Zero fee · Audit trail created
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Corporate accounts
The full group picture, from entity to sub-account.
Issue payment accounts to any number of business entities, run the whole group in one programme and see consolidated exposures at every level.
Multi-entity programmes — onboard any number of legal entities under one programme agreement
Consolidated treasury view — total group exposure visible from a single screen
Entity-level reporting — drill from group total to individual entity to individual transaction
Logically segregated — each entity's funds are individually accountable and separately reconciled
Group treasury
3 entitiesTotal group exposure
€84,740
Acme Ltd
3 accounts
€45,200
Acme Services
2 accounts
€21,200
Acme Ireland
2 accounts
€18,340
All entities · consolidated in real time
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Transaction history
A complete, auditable record — drillable to any transaction.
Every debit, credit, transfer and fee, retained and searchable — with the compliance context that makes it defensible to any audience.
Real-time ledger — transactions visible the moment they are processed, no polling needed
Searchable and filterable — by date, counterparty, amount, type or account
Compliance context attached — screening status, monitoring flags and rule outcomes per transaction
Export-ready — statements and data extracts in standard formats for auditors and reconciliation workflows
EUR Current Account
14:32
SEPA CTRent — 14 Oak St
+€2,500
✓14:15
CardAmazon UK
−€45
✓09:00
InternalFund allocation
−€1,000
✓Yest
SEPA InstMonthly salary
+€3,200
✓Yest
SEPA CTClient payment
+€8,750
✓All transactions · compliance context attached per row
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Instant and real-time
Payment accounts open in minutes, IBANs assigned programmatically, transfers settle immediately and balances update in real time.
One consolidated view
From group total to individual transaction, drillable at every level — across entities, clients and accounts in a single programme.
Audit-ready from day one
Every account event logged with its compliance context — screening status, rule version and monitoring outcome — defensible at any point.
Compliance & evidence
Every Accounts 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.
Most teams complete a basic integration — open account, assign IBAN, receive payment — in one to two days against the sandbox. A production integration, including onboarding flow, webhooks and reconciliation, typically takes two to four weeks depending on your existing architecture. Payscape's developer support team is available throughout.
For individuals and simple SMEs with automated ID&V, account opening typically completes in under five minutes. For higher-risk entities or those requiring enhanced due diligence, the flow routes to a manual review queue with a target same-day turnaround. Both paths produce the same audit evidence.
Control Cloud attaches compliance context to every event: the screening outcome at onboarding, the monitoring status at the time of each transaction, and the version of the rule that applied. This evidence is available in the portal and via API export, so you can respond to a regulator, auditor or investor request without manual assembly.
Yes. Accounts, virtual IBANs, internal transfers and transaction history are all part of the Payscape embedded-finance programme. You sign one programme agreement; the regulated services are delivered by our licensed EMI partners under the same arrangement.
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.