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Payment Accounts
Power Your Enterprise with API driven, Frictionless, Multi-Currency Accounts
Streamline your global financial operations with fumopay. Bridging the gap between traditional banking and the modern digital economy, we offer a tripartite account structure that separates commercial management from regulatory risk, giving our clients the stability of an established bank with the flexibility of a tech-first platform.
fumopay provide businesses with dedicated, individually addressable IBANs and sort codes to manage high-volume collections and disbursements. Built on the infrastructure of FCA-authorised partners, our platform combines compliance and legal standards with fintech speed.
Instant Pay-ins
Real-time account-to-account collections via Faster Payments and SEPA.
Automated Pay-outs
Batch-process payouts to clients, vendors, or customers via our secure API.
Seamless KYB
Enterprise-grade onboarding that moves at the speed of your business.
Choosing the right Payment Types
Different payment types solve different commercial challenges. fumopay enables you to select, combine, and orchestrate the right payment methods based on your business model, customer behaviour, and risk profile.
From reducing transaction friction, improving conversion and accelerating cash flow, every payment type is managed through a single platform with real-time visibility and control.
Account-to-account Payments (Pay-by-bank)
Real-time, cost-efficient payments at scale. Customers pay directly from their bank, enabling instant settlement, improved payment success rates, and greater data insights across your payment operations.
Card Processing
Best for maximising conversion and customer familiarity. Accept debit and credit card payments with seamless orchestration and full visibility across your payment flows.
Direct Debit Payments
Automate recurring payments with Direct Debit. A reliable solution for predictable billing cycles, helping reduce missed payments and improve collection consistency.
VRP (Variable Recurring Payments)
A modern alternative to Direct Debit powered by open banking. Enable flexible, customer-approved recurring payments with greater transparency and control. Drive decisioning on when payments are taken through customer insights on real-time risk data.
Automated Collections & Recurring Payments
Streamline collections through intelligent automation. Trigger payments based on schedules, behaviours, or risk signals to increase recovery rates and reduce manual intervention. Let the platform decide which payment type is best with next-best-action tools.
Verify beneficiaries and account ownership prior to making payments
Instant payouts to verified bank accounts
Rule-based payout governance and controls
Threshold-driven approval workflows
Secure bank account and ID verification
Real-time reporting and reconciliation visibility
Bulk and high-volume payout processing
How Instant Payouts Work
Payment trigger initiated
Bank
account verified
Intelligent
rules
applied
Approval workflows executed
Funds
sent
instantly
Built for Control, Compliance, and Scale
Manage payout risk with configurable rules, approval thresholds, and automated workflows. Maintain full audit visibility across every transaction while scaling operations without increasing manual oversight.
Designed for Complex Payment Flows
Financial Institutions & Lenders
Loan disbursements, customer refunds, claims settlements
Utilities & Service Providers
Rebates, overpayment returns, customer compensation
Retailers & Marketplaces
Customer refunds, merchant settlements
Employers & Payroll Providers
Salary payments, contractor payouts, and off-cycle payroll processing
Regulated & High-Volume Sectors
Client/Customer payouts, incentives, commissions
Save time
Reduce manual processing and operational cost
Customer experience
Improve customer experience with faster payments
Secure
Lower fraud exposure through verification and controls
Scale
Scale payment operations with confidence