Solution
Launch a finance app.
Accounts and cards.
Under your brand.
Give individuals their own payment account, IBAN and card inside your app — onboarded, compliant and ready to spend.
Book a callThe challenge
What this sector deals with today.
Consumer fintechs want to offer accounts and cards under their own brand — but building that means a licence, partner integrations, an onboarding stack and a compliance operation before a single customer is served. Most teams don't have years to spend assembling infrastructure before they can test a product.
The alternative is usually a set of building blocks from a generalist provider, leaving the onboarding flow, the compliance controls and the reconciliation for your team to wire together. The work — and the risk — still lands on you.
Accounts & IBANs · Accounts
An account and IBAN for every user.
Onboard a user and give them a payment account and dedicated IBAN, live in minutes and reflected in real time.
Account and IBAN per user — provisioned at sign-up via the API
Real-time balances — every credit and debit reflected immediately
Multi-currency — EUR and GBP supported across your programme.
White-labelled — your brand on every screen and statement
Accounts — Live
J. Smith
IE29 PSCP 9311 0101
€1,240.00
● Live
K. Murphy
IE29 PSCP 9311 0102
€580.50
● Live
R. Ahmed
IE29 PSCP 9311 0103
€2,100.00
● Live
3 accounts · balances updated in real time
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Cards · Cards
A card they can use today.
Issue an instant virtual card and a physical card on demand, and push it straight to Apple Pay or Google Pay.
Instant virtual card — live the moment the user is onboarded
Physical on demand — branded and dispatched by our partners
Mobile wallets — pushed to Apple Pay and Google Pay from your app
Controls — limits, freeze and replace in real time
Virtual · Debit
Jane Cooper
•••• •••• •••• 4821
Active
Instant virtual · physical on demand · Apple Pay and Google Pay ready
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Pay-in & Pay-out · Payments
Top up and send, instantly.
Let users fund their account by card or SEPA and send money out over SEPA Instant.
Top up by card or SEPA — funds available immediately
Send over SEPA — standard and instant euro payments
Pay-by-bank — open-banking top-ups with no card fees
Reconciled — every movement posted and logged automatically
Recent activity
09:14
Top up · Card
+€250
✓14:32
SEPA Inst send
−€60
✓16:01
SEPA CT received
+€1,200
✓Every movement reconciled automatically
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Onboarding & Compliance · Compliance
KYC and monitoring, built in.
Verify users with automated ID&V and screen and monitor them continuously, without building a compliance stack.
Automated ID&V — identity confirmed in the flow
Screening — sanctions and PEP checks at onboarding and ongoing
Monitoring — every transaction checked against your rules
Evidence — every decision logged and retrievable
User verification — Jane Cooper
ID&V
Screening
Risk
Onboarding complete · account and card issued
All checks logged with timestamp and rule version
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Launch in weeks
A finished accounts-and-cards product, not a kit to assemble.
One integration
Accounts, IBANs, cards and payments on a single programme.
Compliant from day one
Onboarding, screening and monitoring 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 user
Provisioned at sign-up
Instant virtual card
Live on onboarding
Wallet provisioning
Apple Pay and Google Pay from your app
Top-up and send
Card, SEPA and open banking
Onboarding flow built in
ID&V and screening automated
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.
Because the accounts, cards, onboarding and compliance arrive pre-built and run on Control Cloud, you integrate once rather than assembling infrastructure over months.
Yes. The whole experience is white-labelled and embedded via the API, so your users never leave your product.
Our licensed EMI partners issue the e-money and cards; Payscape provides the technology, workflow and programme management.
Yes. ID&V, screening and ongoing monitoring are built into the proposition and every decision is logged for audit.
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.