Payscape

Solution

Branded benefit cards.
Spend by the rules.
Managed from one portal.

Issue branded benefit cards with category controls and scheduled top-ups, managed end to end from a single portal — under your brand, with compliance built in.

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The challenge

What this sector deals with today.

Benefit providers and employers want to give staff a branded card that only works where it should — meals, wellness, travel, whatever the scheme covers — topped up on schedule and easy to manage. Generic card infrastructure doesn't model benefit rules, scheme budgets or top-up cycles, so providers end up building the logic and the admin themselves.

The result is manual top-ups, weak spend controls, and an administrative burden that grows with every employer and every scheme added.

1

Cards · Cards

Branded cards, ready to spend.

Issue virtual and physical benefit cards under your brand and push them to the device wallet.

  • Virtual and physical — branded benefit cards issued on demand

  • Mobile wallets — Apple Pay and Google Pay

  • Per-employee — a card for each member of the scheme

  • Instant issuance — live the moment a member is added

Control Cloud — Benefit cards

Wellness Scheme · Benefit card

A. Cole

MC

•••• •••• •••• 5530

Active

Virtual and physical · Apple Pay and Google Pay · instant issuance

Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.

2

Card controls · Cards

Spend that only works where it should.

Restrict each card to eligible merchant categories and apply per-scheme rules, so benefit budgets are spent as intended.

  • Category controls — restrict spend to eligible merchant types

  • Per-scheme rules — different rules for different benefit schemes

  • Limits — per-transaction and balance caps

  • Real-time enforcement — rules applied the moment a card is used

Control Cloud — Rules

Scheme rules

Live
Wellness

Gyms & fitness

✓ Allowed

Pharmacies

✓ Allowed

Restaurants

✕ Blocked

Other

✕ Blocked

Rules applied the moment a card is used · version-controlled

Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.

3

Pay-out & scheduling · Payments

Top-ups on schedule, balances under control.

Top cards up in bulk or on a schedule, set expiry, and sweep unused balances back where the scheme requires.

  • Scheduled top-ups — load benefit budgets on a cadence

  • Bulk loading — top up an entire scheme in one run

  • Expiry — set how long a balance remains available

  • Sweeps — return unused balances per scheme rules

Control Cloud — Top-up run

Scheduled top-up

Loaded ✓

Wellness scheme

Cards

240

Per card

€60

Total loaded

€14,400

Expiry

31 Dec 2024

Sweep

On expiry

Bulk loading · scheduled cadence · unused balances swept per rules

Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.

4

Employer portal · Compliance

Run it all from one portal.

Issue and manage cards, set rules and top-ups, and onboard members — from a single portal, with compliance built in.

  • One portal — issue, control and top up from one place

  • Member onboarding — added and verified without a manual stack

  • Monitoring — activity checked against your rules

  • Evidence — actions logged for audit

Control Cloud — Employer portal

Programme overview

4

Schemes

1,240

Members

1,190

Cards active

Wellness

240 members · 230 cards

Meals

580 members · 565 cards

Travel

320 members · 310 cards

Learning

100 members · 85 cards

Issue, control and top up from one portal · all actions logged

Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.

Branded benefit cards

Virtual, physical and in-wallet, under your brand — issued instantly to every scheme member.

Spend controlled by rule

Eligible categories and per-scheme rules enforced in real time, the moment a card is used.

Managed from one portal

Issuance, rules, top-ups and members in one place — no separate systems to maintain.

Pre-built

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.

Branded benefit cards

Virtual, physical and in-wallet

Category and scheme rules

Enforced in real time

Scheduled and bulk top-ups

Budgets loaded automatically

Expiry and sweeps

Unused balances handled by rule

Member onboarding built in

Verified without a stack

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

Control Cloud — Compliance

Customer monitoring

Live

Customer

Screening

Risk

Acme Ltd

Clear

Low

Jane Cooper

Clear

Low

Sample Property Co

Review

Medium

Example Trading Ltd

Clear

Low

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 docs

Operate 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 demo

FAQ

Common questions.

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.

Book a call Read the docs