"AccessPay is really easy to use, and it’s really made a difference for us. We are definitely a more efficient team because of it."
Centralised Automation Platform for All Business Payments
Facilitate every domestic and global transaction effortlessly and securely with one central platform.
Join 1,000+ customers already automating their payments
Efficient. Adaptable. Secure.
Automate all payments & collections
Easily automate all UK and international payment types, including: BACS, CHAPs, Faster Payments, SWIFT and SEPA. This includes Direct Debit Collections.
Ready for ISO 20022
Stay ahead of financial messaging changes with technology already compliant with ISO 20022 standards.
Advanced fraud and error controls
Protect your business with Account Name Verification, approval workflows, Multi-Factor Authentication (MFA) or Single Sign-On (SSO), Sanctions Screening, and payment screening, foundational features that reduce fraud and errors.
Karen Fagan
Head of Treasury Operations at ITV
Effortless domestic
& cross-border payments automation
Whether processing payroll, accounts payable, or receivables, automate and manage all payment files from a single, centralised payments system. Connect seamlessly to major ERP, payroll, and back-office systems for straight-through processing.
How AccessPay works
Our platform offers direct bank connectivity, enabling secure, straight-through processing between your finance applications and over 11,000+ banks worldwide. Here is how it works.
1
Automate your payment run
Automatically import payment files from connected finance applications via SFTP or API connection. Files can also be imported manually as a contingency.
2
Routing and file transformation
AccessPay instantly scans the payment file to recognise the purpose and configuration of your payment run to ensure the file is correctly formatted and passes through the correct submission workflows within AccessPay.
3
Validate your transactions
A modulus check is performed to alert you to errors with the sort codes and account numbers contained within your file. Giving you the opportunity to suppress problem transactions or files before you proceed with your submission.
4
Perform fraud & error checks
A series of configurable rules can be applied to scan your submissions for potentially erroneous transactions. Helping you identify and investigate potential duplicates, unrecognised creditors and exceeded transaction thresholds.
5
Approve your submission
AccessPay is configured to mirror your internal approval processes. Whether you carry out approvals within your finance application or AccessPay, dual approval is available.
6
Authenticate your payment file
The file is digitally signed via a choice of Hardware Security Module (HSM) or Smart Card.
7
Process your submission
The file is ready to be submitted and will be processed on the date assigned.
✓
Receive reports
Automatically retrieve reports in to your back-office. See our FAQs for more information.
Ready to send and collect your business payments with an all-in-one automation platform?
Get in touch with one of our experts by completing our contact form.
Unrivalled connectivity: Integrate with all major payroll, ERP, and back-office systems.
- Direct System-to-System Communication: SWIFT, Host-to-Host, sFTP, or API options for secure, reliable data exchange.
- Global Reach: Format payment files for seamless processing by banks globally.
Geared up for ISO 20022
Be fully compliant with the global ISO 20022 messaging standard, which enhances payment data uniformity and security. AccessPay’s platform is configured for end-to-end data enrichment and transformation.
"We needed a simple gateway to the bank [..] I’ve done a lot of implementations to systems over the years and this was one of the best I’ve done [...] Within a couple of months of the testing plan, we were live."
Joanna Rice
Company Director
Build a connected financial ecosystem
We integrate with all major ERPs and Banks.
Our platform seamlessly connects with all leading ERP systems. Don’t see yours listed? No problem.
Speak to us about integrating today.
With 11,000+ bank connections, we integrate with all major banks, including the following:
Enable frictionless domestic and global transactions with AccessPay’s Payment Automation.
Speak to our team today to get started.
Beyond automation: faster, safer than bank portals
Faster and more secure than bank portals
- One login with configurable access controls across all bank accounts
- Reduce manual transaction entry by 30%
- Advanced auditing for compliance and governance
Integrated, advanced fraud & error capabilities
- Multi-Factor Authentication and Single Sign-On for enhanced security.
- HSM certificates for secure user verification.
- Payment Screening to flag suspicious transactions.
- Sanctions Screening to detect links to financial crime.
- Account Name Verification to prevent APP fraud.
- Approval workflows and segregation of duties to control payment processes.
Strategic financial insights
- Comprehensive daily and intra-day reporting.
- Tailored reports for executive decision-making.
- Audit-ready data supporting regulatory compliance.
"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
Why choose AccessPay?
Transparent pricing
Fixed annual subscription with no hidden fees or per-transaction charges.
Industry-leading service
Rapid onboarding and a UK-based Customer Success team with a 98% satisfaction score.
All-in-one-platform
Manage all payment types and direct debit collections in one place with consistent controls.
Frequently Asked Questions
How does pricing work?
AccessPay offers a flexible annual subscription, no per-transaction fees, so your costs don’t increase as you grow. Pricing depends on four factors:
- Transaction volume bands
- Number of bank connections
- Payment schemes and messaging networks used
- Number of users
Your subscription fee remains fixed throughout your contract unless you add new services. Usage is reviewed during contract renewal with your account manager.
What are the benefits of payments automation with AccessPay?
- Centralised platform: Manage all payments in one place, connecting seamlessly to major ERP, payroll, and back-office systems.
- Automate all payment types: BACS, CHAPS, Faster Payments, SWIFT, SEPA, Direct Debit Collections, domestic and global.
- Efficiency & security: Eliminate manual processes with direct bank connectivity and secure data exchange.
- Visibility & control: One login, configurable access controls, and detailed reporting for better financial oversight.
- ISO 20022 compliant: Stay ahead of changing financial messaging standards.
- Advanced fraud protection: Includes Account Name Verification, approval workflows, MFA, SSO, Sanctions and Payment Screening.
- Scalable pricing: Annual subscription tailored to your needs, supporting growth without surprise costs.
- Expert support: Dedicated implementation and customer success teams guide you every step of the way.
How does AccessPay connect to my finance applications?
You can connect via SFTP or API, or both, depending on your systems:
API: Direct interface with finance apps, near real-time updates, delivers files and JSON payloads, supports status updates back to your system.
SFTP: Secure file transfer to a specified server location, periodic updates, file delivery only, no status updates.
| External API | SFTP |
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Is AccessPay a cloud-based solution?
Yes! AccessPay is 100% cloud-based, launched as the first cloud Bacs-Approved Software in 2012. No installation needed, accessible via any web browser. Updates and fixes happen automatically and outside peak hours at no extra cost.
How quickly can I get up and running?
Implementation typically takes 4 to 12 weeks, depending on your connectivity needs. For complex setups, we work with you to create a phased plan tailored to your schedule and requirements.
What payment file formats is AccessPay compatible with?
AccessPay supports all payment file formats using its in-built file transformation engine, including common formats like CSV, Standard18, PAIN files, and less common variants.
Which banks does AccessPay connect to if I want to make payments via Host-to-Host?
AccessPay connects to any SWIFT member bank and supports direct Host-to-Host connections with all tier 1 and 2 banks that offer this service.
There’s no limit to the number of connections we can manage. Supported banks include Barclays, HSBC, JPMorgan, Citi, RBS, Société Générale, Lloyds, Standard Chartered, and many more.
Ready to explore how AccessPay can help your business?
If you’re looking for support with your next bank integration project, you’ve come to the right place.
Complete the form to schedule a free consultation with one of our bank connectivity specialists.
Speak to our team ➜