Solution
Client-money accounts
inside your software,
reconciled automatically.
Embed a named payment account and virtual IBAN per client directly into your accounting platform — collections and payments handled on each client's behalf, with every transaction auto-mapped to the ledger.
Book a callThe challenge
What this sector deals with today.
Accountants and platform operators manage client funds across dozens or hundreds of companies. Without a purpose-built financial infrastructure, they rely on a single pooled account and manual matching — every inbound payment has to be identified, allocated to the right client, and reconciled to the ledger by hand. As a practice grows, that operational load grows with it.
A single payment that arrives without the right reference can sit unallocated for days, creating reconciliation discrepancies, compliance risk and client friction. The cost of client-money compliance — segregation, evidence, reconciliation — falls entirely on the practice team rather than the infrastructure.
Account hierarchy · Virtual IBANs
A named account and dedicated IBAN for every client, from day one.
At client creation, your platform provisions a named payment account and a dedicated virtual IBAN automatically. Each client's funds are segregated from the first transaction — no pooling, no manual allocation, no end-of-month sort.
Account and IBAN provisioned via API at client creation — or in bulk from the portal
Named account reflects the client record in your software — human-readable and auditable
Funds segregated at the account level from the moment the first payment arrives
Multi-currency accounts available — EUR and GBP supported per client.
Client accounts — Practice
Acme Ltd
IE29 PSCP 9311 0101
€4,250.00
ActiveMurphy & Co
IE29 PSCP 9311 0102
€1,890.40
ActiveGreen Foods
IE29 PSCP 9311 0103
€8,350.00
ActiveWalsh Bros
IE29 PSCP 9311 0104
—
Pending4 client accounts · each with dedicated IBAN · segregated by client
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Pay-in · Automated reconciliation
Every payment self-identifies and posts to the correct ledger entry.
Inbound payments arrive against the client's IBAN — and are immediately matched to the client record and the open invoice. No reference matching, no suspense account, no manual posting.
IBAN match routes the payment to the correct client account instantly
Invoice reference extracted and matched — ledger entry posted automatically
Unmatched payments flagged in real time — never silently unallocated
Every reconciliation event logged with timestamp and rule version for audit
Inbound payment matched
SEPA CT · received 09:14
Acme Ltd — invoice INV-2024-0047
€4,250
IBAN match
IE29 PSCP 9311 0101 → Acme Ltd
Ledger entry
Mapped to INV-2024-0047 · auto-posted
Client balance
Updated from €0 to €4,250 · instant
Zero manual intervention · audit record created
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Pay-out · Consolidated view
Pay out on each client's behalf and see the whole practice in one view.
Execute outbound payments from any client account — supplier payments, disbursements, refunds — from the portal or via API. Then drill from practice total to any individual client account or transaction in real time.
Outbound SEPA CT and SEPA Instant from any client account, individually authorised
Payments tracked per client — no co-mingling with other client accounts
Practice-level dashboard: total funds held, drillable by client by transaction
Statement export per client in standard formats — ready for the ledger or an auditor
Practice total
All reconciledTotal client funds held
€34,490
Acme Ltd
3 transactions this month
€4,250
Drill ↓
Murphy & Co
7 transactions this month
€1,890
Drill ↓
Green Foods
2 transactions this month
€8,350
Drill ↓
Practice-to-client drill-down · real-time
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Zero manual reconciliation
Every inbound payment maps to its client and ledger entry automatically via the dedicated IBAN — no reference chasing, no suspense account.
Per-client reporting
Drill from total practice funds to any individual client account, statement or transaction — in real time, without manual aggregation.
Client-money compliance evidenced
Each client's funds segregated, reconciled and logged individually. Audit-ready at any point — for a regulatory inspection or a client query.
Finished, not building blocks.
This workflow arrives pre-configured and ready to run. The IBANs, split rules, account hierarchy, onboarding flows and compliance controls are all in place — not a kit to assemble, but a finished proposition you deploy.
Named account per client at creation
Provisioned automatically — via API or portal
Virtual IBAN per client — auto-reconciling
Every inbound maps to client and ledger instantly
Pay-in and pay-out on each client's behalf
SEPA CT and Instant, individually authorised
Consolidated practice dashboard
Total funds held, drillable to any transaction
Onboarding with ID&V and KYB built in
Checks automated — evidence logged per client
Compliance controls live at launch
Monitoring, safeguarding, audit trail — all active
Compliance & evidence
Every accounting platform 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.
Because each client has a dedicated virtual IBAN, the IBAN itself identifies the client — no reference is required. A payment to the correct IBAN is automatically routed and reconciled. Payments that arrive to the programme's parent IBAN without a recognisable reference are flagged in the portal for manual review.
Yes. Payscape's REST APIs are designed for embedding — you can open accounts, trigger payments and receive webhooks for every event from within your own software. The Control Cloud portal is also available as a standalone interface if you prefer to operate without custom integration initially.
Control Cloud records every account event — receipt, reconciliation, disbursement — with its compliance context: the AML monitoring status, screening outcome and the version of the rule applied. All of this is available as a per-client report or API export, ready for a regulatory or audit request.
Yes. Each client has a named account with its own IBAN, balance, transaction history and compliance record. The practice-level dashboard shows the consolidated view; each client is a row you can drill into, down to individual transaction level.
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.