Solution
Business accounts.
Team cards.
One programme.
Offer SMEs their own payment accounts, IBANs and expense cards under your brand — with multi-entity structure, spend controls and compliance built in.
Book a callThe challenge
What this sector deals with today.
Platforms serving businesses want to offer accounts and expense cards, but business finance is more demanding than consumer: multiple entities, multiple users per account, spend that needs controlling, and KYB obligations on every company onboarded. Generic infrastructure rarely models any of it.
Built piecemeal, it becomes a project — entity hierarchies, card controls, approval flows and compliance all assembled and maintained in-house. The operational load grows with every business you add.
Business accounts & IBANs · Accounts
Accounts and IBANs for every business.
Issue payment accounts and dedicated IBANs to any number of business customers, each with its own structure.
Account and IBAN per business — provisioned via the API or portal
Multi-entity — model groups and subsidiaries under one programme
Real-time balances — consolidated and drillable
Multi-currency — EUR and GBP supported across your programme.
Group view
ConsolidatedAcme Group
Parent€66,400
Acme Ltd
€45,200
Acme Services
€21,200
Consolidated in real time · drill to any account
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Expense & team cards · Cards
Cards for the team, controlled.
Issue expense cards to employees and contractors against the business account, with limits and rules per card.
Issue in bulk — cards for staff and contractors in one action
Per-card budgets — daily, monthly and total limits
Category controls — restrict spend by merchant type
Instant offboarding — freeze or close a card immediately
Team cards
Design — A. Cole
Sales — R. Patel
Contractor — L. Byrne
Budgets and category rules enforced in real time
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Payments · Payments
Collect and pay, at business scale.
Receive payments over SEPA and run bulk and scheduled payouts from any business account.
SEPA pay-in — receive CT and Instant against virtual IBANs
Bulk payouts — supplier and payroll-style runs at scale
Scheduled — recurring payouts on the dates you set
Reconciled — every movement posted and logged
Payout run
Settled ✓84 payments
All settled
€120,400
Supplier — Nordic Co
€14,200
✓Payroll — Oct run
€86,500
✓Commission — Agent A
€4,850
✓+ 81 more payments
Every payment reconciled to source
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
KYB & Compliance · Compliance
Onboard businesses to standard.
Verify companies and their beneficial owners, screen them, and monitor activity continuously.
KYB and UBO — entity and ownership verified at onboarding
Screening — sanctions and PEP checks, ongoing
Monitoring — transactions checked against your rules
Evidence — logged per entity for audit
Entity — Acme Ltd
VerifiedRegistry check
UBOs identified
Directors checked
Screening
Outcome and underlying data logged per entity
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Multi-entity ready
Model groups, subsidiaries and teams under one programme.
Spend under control
Per-card limits and category rules enforced in real time.
Audit-ready
KYB, monitoring and reporting built in and evidenced.
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.
Account and IBAN per business
Provisioned on creation
Entity hierarchy
Groups and subsidiaries modelled
Expense cards with controls
Limits and categories per card
SEPA pay-in and bulk payout
At business scale
KYB onboarding built in
Entity and UBO verified
Compliance live at launch
Monitoring and audit trail active
Compliance & evidence
Every capability in this solution 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.
Yes. You can model parent entities, subsidiaries and named sub-accounts under a single programme, with consolidated, drillable balances.
Each card carries its own budget and category rules, enforced in real time, and can be frozen or closed instantly on offboarding.
Companies are verified against registry sources, beneficial owners identified and verified, and directors checked — then screened and monitored like any customer.
Our licensed EMI partners; Payscape provides the technology, workflow and 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.