Solution
Modern member payments,
end to end.
Issue payment accounts, IBANs and cards to every member; disburse approved loans instantly; collect repayments automatically — all under your brand, without holding a licence.
Book a callThe challenge
What this sector deals with today.
Credit unions and lenders offer their members savings products and loans — but increasingly, members expect their financial services to work like modern payment accounts: instant disbursements, real-time balances and cards they can use anywhere. Delivering that experience from legacy infrastructure takes time, cost and regulatory overhead that most lenders cannot easily absorb.
Without embedded-finance infrastructure, loan disbursements are manual transfers, repayments arrive to a pooled account that requires reconciling by hand each month, and members have no dedicated IBAN for incoming payments. The result is a member experience that lags behind market expectations, and an operational overhead that grows with every new member.
Onboarding · Accounts · Cards
Every member onboarded, issued an account and ready to transact.
Members complete ID&V via a link — on any device, in minutes. On approval, a payment account, virtual IBAN and optional debit card are issued automatically. No manual data entry, no back-office bottleneck.
ID&V onboarding link sent by SMS or email — members complete checks on their own device
Payment account and dedicated IBAN issued on approval — available immediately
Optional debit card issued instantly as a virtual card, physical card dispatched same day
Full onboarding audit trail per member — evidence logged for every check performed
Members
Member
ID&V
Account
Card
Status
S. O'Brien
✓✓✓ActiveJ. Walsh
✓✓—ActiveM. Connelly
✓——PendingR. McCarthy
———Link sentID&V by link · account and card issued on approval
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Pay-out · SEPA Instant
Approved loan in the member's account in seconds.
Once a loan is approved in your system, disbursement is a single API call or portal action. Funds reach the member's account via SEPA Instant — not hours or days later, but in seconds.
SEPA Instant disbursement — funds credited to member account within seconds of approval
Disbursement linked to the loan record — traceable from approval to receipt
Auto-disburse rules available — trigger disbursement automatically on approval status change
Full disbursement audit trail — amount, timestamp, authoriser and member confirmation
Approved loan · disbursement
Member
S. O'Brien
Account: IE29 PSCP 9311 2201
Loan ref
LN-2024-00441
Approved 08:47 · auto-disburse enabled
Amount
€12,500.00
SEPA Instant · to member account
Funds in member account in seconds via SEPA Instant
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Pay-in · Reconciliation
Repayments collected automatically and matched to the right loan.
Monthly repayments arrive via SEPA direct debit or SEPA CT against the member's dedicated IBAN — and are automatically matched to the correct loan account without manual intervention.
SEPA direct debit collection on schedule — no manual initiation required
Each repayment auto-matched to the member and the loan account via IBAN
Missed or late payments flagged immediately — no month-end discovery
Running loan balances updated in real time — member and lender see the same position
Monthly repayments
2 / 3 receivedS. O'Brien
LN-2024-00441 · due 01 Oct
€385.00
ReceivedJ. Walsh
LN-2024-00312 · due 01 Oct
€220.00
ReceivedM. Connelly
LN-2024-00289 · due 01 Oct
€150.00
PendingRepayments auto-matched to member loan accounts · no manual allocation
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Instant disbursement
Loan approved — funds in the member's account in seconds via SEPA Instant. No batch window, no manual transfer, no delay.
Modern member experience
Payment account, dedicated IBAN and a debit card, all under your brand. Exactly what your members expect from a financial services provider today.
Repayments reconcile themselves
Every inbound repayment maps to the right member and loan via the dedicated IBAN — no manual allocation, no month-end reconciliation run.
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.
Member onboarding with ID&V
Automated checks — link sent, evidence logged
Payment accounts and IBANs per member
Issued on approval, available immediately
Debit card issuance included
Virtual instant, physical dispatched same day
Instant loan disbursement via SEPA Instant
Single API call or portal action to disburse
Repayment collection by direct debit
Auto-matched to member and loan, no manual step
AML monitoring from day one
Continuous checks, alerts in Control Cloud
Compliance & evidence
Every credit union and lending 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.
Yes. Cards are white-labelled — your name, your logo, your colour scheme. Payscape handles the programme management; the regulated card services are provided by our licensed EMI partners. Both virtual and physical variants are available.
Via SEPA Instant, funds reach the member's payment account in seconds. The disbursement is a single API call or portal action triggered on approval.
Members authorise a SEPA direct debit mandate at onboarding. On each scheduled repayment date, the mandate is debited automatically and the inbound payment is matched to the member's loan account via their dedicated IBAN. Failures and returns are flagged in the portal immediately.
Control Cloud logs every onboarding check, ongoing screening result and transaction monitoring outcome per member. Each event carries a timestamp and the version of the rule applied — so you can produce a per-member compliance history for a regulatory request or internal audit without manual assembly.
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.