Product
Money in.
Money out.
Every transfer accounted for.
Collect by SEPA, card and open banking, and pay out individually, in bulk or by rule — all reconciled automatically, all under your brand.
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.
Payments are where an embedded-finance proposition earns its keep. Payscape gives you the full set of pay-in and pay-out rails — SEPA Credit Transfer and SEPA Instant, card acquiring and open banking — wired into your product or run from the portal.
Every inbound payment self-reconciles against the right account, every outbound payment is individually authorised and logged, and the whole flow runs on Control Cloud with compliance and reporting built in.
Pay-in
Incoming transfers · Pay-in
Inbound payments that reconcile themselves.
Receive SEPA Credit Transfers and SEPA Instant payments against dedicated virtual IBANs, so each payment identifies its source and posts to the right account the moment it lands.
SEPA CT and SEPA Instant — receive standard and instant euro payments around the clock
Virtual IBAN per payer — each inbound payment maps to its source account automatically
Self-reconciling — no reference chasing, no suspense account, no month-end sweep
Full audit per payment — every inbound transaction logged with its compliance context
Inbound — Today
LiveTenant — 14 Oak St
+€1,850
✓Client payment
+€8,750
✓Payer: Corp A
+€2,500
awaitingSelf-reconciled on arrival
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Card top-up · Pay-in
Let customers fund accounts by card.
Accept card payments to top up a payment account, with acquiring handled through our partners so funds land in the right account instantly.
Card acquiring — fund accounts by debit or credit card
Instant credit — topped-up funds are available immediately
Branded checkout — the top-up experience carries your brand
Reconciled automatically — each top-up posts to the holder's account with a full record
Add funds
Amount
€250.00
Card
•••• 4821
Account
EUR Current Account
Funds available instantly
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Pay-by-bank · Pay-in
Open banking payments, no card needed.
Initiate account-to-account payments through open banking (PISP), so customers can pay directly from their existing account with lower cost and no card rails.
Open banking initiation — customers pay directly from their own account
Lower cost — account-to-account avoids card-scheme fees
Fast settlement — funds move over SEPA Instant where supported
Reconciled on arrival — each payment maps to the right account automatically
Pay by bank
Amount
€420
Choose your institution
Authorised · funds received
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Cash lodgements · Pay-in
Accept cash at an agent network.
Where customers still pay in cash, lodgements can be accepted at a partner agent network and credited to the right account.
Agent network — customers lodge cash at participating locations
Credited to account — lodgements post to the correct payment account
Same evidence trail — each lodgement logged with its compliance context
One consolidated view — cash and electronic pay-in appear side by side
Recent lodgements
Cash lodgement
Agent #2241
+€300
✓Cash lodgement
Agent #1804
+€150
✓Cash lodgement
Agent #2241
+€500
pendingEach lodgement credited to the correct account · full record kept
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Pay-out
Outgoing transfers · Pay-out
Send SEPA payments, instantly and individually.
Make outbound SEPA Credit Transfers and SEPA Instant payments from any account in your programme, each one individually authorised and recorded.
SEPA CT and SEPA Instant — standard and instant euro payouts
Individually authorised — every payment approved and logged with its reference
From any account — pay out from the correct client, entity or programme account
Real-time status — track each transfer from initiation to settlement
New transfer
From
EUR Client Account
Balance: €12,450
To
IE29 PSCP 9311 0002
Beneficiary account
Amount
€1,573.00
Instant · SEPA Instant
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Bulk & scheduled · Pay-out
Run payouts at scale, on schedule.
Execute large payout runs in a single batch, or schedule recurring payments, with every line individually tracked and reconciled.
Batch payouts — submit hundreds of payments in one run
Scheduled runs — set recurring payouts on the dates you choose
Per-line tracking — each payment in the batch has its own status and reference
Fully reconciled — the whole run reconciles back to source automatically
Payout run — 142 payments
140 settledTotal
€184,200
Landlord — J. Smith
€1,573
SettledSupplier — Acme
€920
SettledRefund — M. Diaz
€45
Pending+ 139 more rows
Per-line tracking · full run reconciled to source
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Rule-based splits · Pay-out
Split and route funds at source.
Configure rules that split an inbound payment the moment it clears — commission to you, the balance to the end party — each disbursement a separate, auditable transfer.
Configurable rules — any percentage or fixed-fee split structure
Executes on receipt — splits fire automatically when the inbound payment clears
Separate disbursements — each share is its own outbound transfer with its own reference
Version-controlled — every historical split traces back to the rule that applied
SEPA CT received
Inbound payment
€1,850
Split rule applied
Commission
→ Operating account
€185
Net proceeds
→ Beneficiary account
€1,665
Instant · audit trail created
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Card-based payouts · Pay-out
Pay out to a virtual card.
Where a transfer isn't the right tool, issue a single-use virtual card for a refund or disbursement that the recipient can use or add to their wallet immediately.
Instant issuance — create a funded virtual card on demand
Refunds and disbursements — useful where you hold no account details for the recipient
Controlled — set a value limit and expiry on each card
Fully logged — each card-based payout recorded with its compliance context
Issue payout card
Value
€45.00
Type
Single-use virtual
Expiry
30 days
Issued · ready to use
Provisioned to wallet · fully logged
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Transfer lifecycle · Pay-out
Cancellations and returns, handled properly.
Outbound payments can be recalled before settlement and inbound payments returned where required, with the full SEPA lifecycle managed and evidenced.
Cancellations — recall an outbound payment before it settles
Returns — return an inbound payment in line with SEPA rules
Status tracking — every cancellation and return tracked to completion
Audit evidence — the reason, timing and outcome recorded for each
Cancellations & returns
€920
Cancellation requested
€1,200
Return
Full lifecycle evidenced · reason, timing and outcome recorded
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Money in, self-reconciled
Virtual IBANs and open banking mean inbound payments identify themselves and post to the right account automatically.
Money out, at scale
Pay individually, in bulk or by rule — instantly, from the correct account, every time.
Every transfer accounted for
Cancellations, returns and splits are all tracked and evidenced, defensible at any point.
Compliance & evidence
Every payments 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.
SEPA Credit Transfer and SEPA Instant for euro pay-in and pay-out, card acquiring to fund accounts by card, open banking (Pay-by-bank) for account-to-account payments, and cash lodgements via a partner agent network.
Each payer is assigned a dedicated virtual IBAN, so an incoming payment maps to its source account the moment it arrives — no reference matching and no suspense account.
Yes. You can submit batch payout runs of hundreds of payments or schedule recurring runs, with each line individually tracked and the whole run reconciled to source.
Our licensed EMI partners provide the regulated electronic-money and payment services. Payscape provides the technology, the workflow and the programme management.
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.