Optimising Financial Operations Begins with Bank Connectivity

Efficient, secure financial operations start with strong bank connectivity.
AccessPay acts as a universal integrator, connecting your finance systems, banks, and payment networks to create true interoperability across your financial ecosystem.

Why Bank Connectivity?

Bank Connectivity for Financial Services

Efficient and secure financial operations are fundamental to every organisation in the Financial Services sector. Payment accuracy, data integrity, and real-time access to financial information directly shape the customer experience.

AccessPay improves operational efficiency and elevates service delivery by helping financial institutions:

  • Streamline data exchange to support rapid, accurate payment processing
  • Automate manual workflows – including bank portal logins, to minimise human error and security risk
  • Embed fraud and error controls, using AccessPay’s Fraud & Error Prevention Suite
  • Unlock true cash visibility with Automated Bank Feeds for real-time access to statement data
  • Enhance analytics and reporting, enabling deeper insight and personalised customer offerings

AccessPay enables Financial Services organisations to modernise their financial operations while keeping risk low and customer experience high.

Bank Connectivity for Corporates

Efficiency in corporate finance operations is often hindered by fragmented systems, manual processes, and disconnected bank relationships.

AccessPay solves these challenges by acting as a strategic connectivity partner, delivering automation, integration, and operational control without disruption.

With AccessPay, corporates can:

  • Consolidate siloed datasets and accelerate the movement of payments and financial data
  • Reduce security risks by eliminating manual bank portal activity
  • Integrate payment controls and user permissions with built-in fraud prevention tools
  • Automate bank statement retrieval using Automated Bank Feeds to improve cash forecasting and decision-making

The result: faster processing, greater accuracy, and a connected financial ecosystem that scales with your business.

"AccessPay enables Imperial College London to save upwards of £50,000 per year with a cross-border host-to-host bank connection."

Rob Leech

Financial Systems Manager at Imperial College London

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Working with AccessPay

Bespoke offering

Partners in ensuring compliance & mitigating risk

Optimise existing tech stack

Work with trusted partners

Bespoke offering

AccessPay provides more than software, we deliver a tailored solution aligned to your financial tech stack, banking relationships, and strategic goals.

Our consultants work with you to design workflows, integrations, and data processes that grow and scale as your organisation evolves. From workflow automation to advanced interoperability, AccessPay serves as your long-term financial operations partner.

Partners in ensuring compliance & mitigating risk

In a landscape shaped by financial fraud risk, evolving regulations, and complex messaging standards, staying compliant is essential.

AccessPay supports risk-resistant operations through:

  • Advanced fraud prevention technologies
  • Compliance-aligned payment controls
  • Expertise in financial messaging standards (SWIFT, BACS, ISO 20022)

We help finance teams respond confidently to regulatory changes and fraud threats.

Achieve efficiency through streamlined processes and automated payments with Bank Connectivity

Get in touch

Optimise existing tech stack

Implementing new financial technology is highly resource intensive. AccessPay enhances, rather than replaces your existing systems.

Through data transformation, bank connectivity solutions, and custom workflows, we ensure your systems work collaboratively and that you maintain a fully connected banking estate.

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Work with trusted partners

AccessPay is a UK leader in payment automation and bank data transformation.
Our team brings deep expertise across banking, FinTech, and payments technology.

Every customer receives:

  • A dedicated implementation consultant
  • A fully scoped project plan
  • A Customer Success Manager to support ongoing adoption and optimisation
  • We work as an extension of your team to ensure long-term value from the platform.

Integrations

We seamlessly integrate your financial tech stack with your banking estate, delivering true connectivity and automation.

How we integrate

Most finance systems do not natively integrate with banks. Different formats, protocols, and messaging standards make it difficult to automate payments and statement retrieval without significant technical overhead.

AccessPay solves this by providing connectivity across all major payment networks, file formats, and transfer protocols.

Here’s how we help:

Connecting to BACS and SWIFT

As an accredited software provider, AccessPay integrates directly with your ERP or back-office system to support both:

These bank-agnostic connections streamline global and domestic payment operations and ensure compliance with industry standards.

Host-to-Host (H2H)

AccessPay’s Host-to-Host service establishes secure, direct connections with your bank(s) using SFTP, allowing you to:

  • Transmit payment instruction files
  • Retrieve acknowledgements and payment status reports
  • Pull bank statements automatically

H2H connectivity improves straight-through processing, strengthens auditability, and removes the need for manual intervention.

API

AccessPay’s API enables seamless transmission of payment and statement data in both file and JSON formats.

Regardless of how banks send data, AccessPay transforms it and feeds it into your ERP or financial systems in a format that makes sense for your organisation.

This supports real-time financial operations and true multi-bank connectivity.

"We’re looking to move all of our processes to cloud-based solutions by 2025; and AccessPay aligns with our company objectives, plus we don’t have to worry about future transaction fees, it scales with us."

Chris Allison

Project Manager at Admiral Insurance

Frequently Asked Questions

Which payment file formats is AccessPay compatible with?

AccessPay supports any payment file format, including CSV, Standard18, PAIN files and custom formats, using our in-built file transformation engine.

Which banks does AccessPay connect to?

AccessPay can connect to any SWIFT member bank and supports Host-to-Host (H2H) connectivity with major banks including Barclays, HSBC, JPMorgan, Citi, RBS, Lloyds, Société Générale, Standard Chartered, and others. If you’re unsure whether your bank is supported, our team can quickly confirm connectivity and advise on the best integration approach.

What are the costs involved?

AccessPay uses a flat annual subscription, with a one-time professional services fee to cover initial implementation. Banks may charge separate setup and maintenance fees.

What payment controls does AccessPay support?

  • Automated file upload & transformation
  • Validation and authentication of payment files
  • Custom approval workflows
  • Strict user access management
  • Automatic file encryption & data masking
  • Real-time status visibility and alerts

How many banks can AccessPay connect to?

There is no limit.
If multiple connections are required, AccessPay scopes a phased project aligned to your timelines.

How does AccessPay connect to my back-office applications?

AccessPay connects to ERPs and finance applications via SFTP or API, supporting automated, secure data exchange across your financial ecosystem.
API documentation is available upon request.

Ready to begin optimising your financial operations with Bank Connectivity?

Partner with AccessPay now to connect your financial ecosystem and enhance your customers’ experience.