Ecospend, a Trustly company, is the UK’s market leader in open banking technology. As the sole open banking provider to HMRC and other government departments, our acclaimed ‘Pay by Bank’ has processed over £16bn in payments, solidifying our position as the most robust supplier of instant and secure account-to-account payments. Serving diverse industries and blue-chip brands, Ecospend offers standardised and customisable open banking solutions covering both Payment Initiation Services (PIS) and Account Information Services (AIS). Since becoming a subsidiary of Trustly Group AB, Ecospend now offers a compelling set of open banking solutions worldwide. ecospend.com View FCA registration
LendingMetrics (trading name of Perfect Data Solutions LTD), a leader in the automated decision technology field, presents OpenBankVision; a revolutionary platform that provides machine readable fully categorised bank statement data in real-time. Through the consumer-facing brand oohMoolah, clients can take advantage of multiple types of search data: Fresh – data from a consumer authorised search, Refresh – API call made to update the data from a fresh search, Gather – matching consumer data provided in an API with consumer tokens we have permission to use and Snapshot – matching consumer data with existing statement data. LendingMetrics also provides a categorisation and enhancement service from client-supplied sourced statement data. lendingmetrics.com View FCA registration
QuickFile is a simple, intuitive online accounting platform for UK based freelancers, contractors and small businesses. We provide full support for VAT, automated bank feeds, professional invoicing, expense management, coupled with comprehensive reporting tools and many useful integrations. QuickFile is simple to use with minimal experience. We provide a free tier for small to medium sized accounts. For accountants and bookkeepers we also provide the depth of features and reports required to deliver a full end-to-end accounting service at very competitive rates. quickfile.co.uk View FCA registration
Wise Payments makes sending money overseas cheaper, using the real exchange rate, so there’s no hidden rate mark-up and you pay a transparent fee. Our borderless account lets you manage money in dozens of currencies, get local bank details in many different countries, and spend your money all over the world without bad exchange rates or bank fees. wise.com View FCA registration
Pay with Bank transfer is a new payment method powered by American Express Payment Services Limited, an authorised provider of the payment initiation service (PIS). This service allows customers to pay for any purchase made on a website directly from their bank’s current account to the business’s bank account. American Express powers the connection between the website and the bank by using the open banking platform, enabling a customer to log-in to their online bank account, check their amount balance and confirm the bank transfer. americanexpress.com View FCA registration
9 Spokes is a global platform which aims to help banks to power their SME ecosystem and drive engagement, loyalty and revenue growth within their business base. The platform provides SME users with rich insights into their business, from cash flow and sales through to digital marketing performance, by integrating data from their business software apps into a single smart dashboard using widgets. 9 Spokes offers open banking widgets which utilise APIs to provide users visibility of their bank account directly from their dashboard. The platform can be provided on a ‘white label’ basis allowing a bank to go to market under its own brand. 9spokes.com View FCA registration
Barclays is a British universal bank. Our businesses include consumer banking, as well as a global corporate and investment bank. https://home.barclays/ View FCA registration
HSBC Bank UK offers personal and business banking, and a range of other financial services including loans, insurance and investments. It is a wholly-owned subsidiary of the HSBC Group. https://www.hsbc.co.uk/ View FCA registration
Trustly was launched in 2008 and has grown rapidly over the past 16 years to become a global player in open banking payment solutions. With a mission to make online payments as seamless as possible, Trustly offers an innovative payment platform, bridging the gap between consumers and merchants. Its technology ensures that transactions are processed in real time, providing both speed and security for all parties involved. Built with Open Banking Technology – which allows third-party services to access banking information securely – Trustly can bypass the delays caused by the multiple intermediaries in the card-payments chain. That can mean faster settlement of funds, and instant refunds. Trustly’s dedication to revolutionising the payments industry is reflected in its partnerships with major brands such as PayPal, eBay, and Hargreaves Lansdown. To date, Trustly has shaped the performance and experience of payments for over 9,000 merchants in 30+ markets, connecting them to 650+ million consumers through 12,000 banks. www.trustly.com/en-GB View registration (registered in Sweden) You may be interested in TSPs that help ASPSPs Tink Download TSPs that help ASPSPs Monily Download TSPs that help ASPSPs Salt Edge Download TSPs that help ASPSPs TrueLayer Download TSPs that help ASPSPs Ozone Download TSPs that help ASPSPs WSO2 Open Banking Download
You may be interested in TSPs that help ASPSPs Tink Download TSPs that help ASPSPs Monily Download TSPs that help ASPSPs Salt Edge Download TSPs that help ASPSPs TrueLayer Download TSPs that help ASPSPs Ozone Download TSPs that help ASPSPs WSO2 Open Banking Download
Bottomline is a trusted SaaS provider with a heritage in domestic and international payment solutions. We enable banks and businesses of all sizes across all industries, to simplify and manage their operations and end user solutions securely, so they can focus on what matters most – the growth of their business. Our Open Banking investments are ready under a subscription model to save you time and money. We bring real-time data and payments to our customers across receivables, cashflow visibility to account-to-account payments, auto-reconciliation and speedier onboarding processes. bottomline.com/uk View FCA registration
Over 150,000 customers use FreeAgent to send invoices, manage their expenses and keep an eye on their cashflow, while time-saving automation features and a personalised tax timeline help them stay on top of their finances. Using open banking bank feeds, customers can automatically and securely import all of their business transactions into their FreeAgent account. There’s also a dedicated mobile app to help take care of business on the go, and it’s easy to work with an accountant or bookkeeper. FreeAgent.com View FCA registration
Pollen’s enterprise software enables businesses to programatically make and receive real-time payments directly to/from their bank, on time, in the UK and around the world. Pay, get paid and connect through Pollen. pollentechnologies.com View FCA registration
Modulr’s mission is to make payments an enabler of business growth, not a barrier. Modulr provides an alternative for corporate and business payment services through our API first platform. We allow businesses to automate and simplify integrations with core payment systems for collection and outbound payments. We provide instant and fully scheme connected accounts, payment activity tracking through the transaction lifecycle, rule-based automation and seamless data reconciliation. modulrfinance.com View FCA registration
Sage helps drive today’s business builders with a new generation of solutions to manage everything from money to people. Our social and mobile technology provides live information so you can make fast, informed decisions anytime, anywhere in the world. We support our business builders for life by offering choice, support, expertise, and innovation. Through open banking APIs we can enable the automation of large portions of manual transactional bookkeeping work with data flowing seamlessly from banks into accounting software – freeing up significant amounts of time as businesses drive to increase efficiency and productivity. sage.com View FCA registration
Money Dashboard is an account information service provider (AISP). Our app is available through www.moneydashboard.com and associated mobile applications, and it allows you to see all your online banking accounts in one place. It also analyses your account information to help you spend, save and borrow more efficiently. moneydashboard.com View FCA registration
Fire provides access to payment services, including open banking payments, accounts, bank transfers, FX, and debit cards. Our platform and licences enable businesses to automate payments, improve reconciliation, and enhance security. The Fire Payments API provides a single access point for payment acceptance, payouts, fund segregation, fee management, and expenses. Using a provider that offers more than open banking payment acceptance helps businesses manage risk, supplier relationships, and costs. Fire supports merchants and acquirers from open banking payment initiation right through to settlement, reconciliation, and refunds. The Fire Payments API can be integrated with customer-facing applications and back-office systems. www.fire.com View FCA registration View registration (registered in Ireland)
Emma is the app to manage all things money. Our mission is to empower millions of people to live a better financial life. Download Emma and use the power of Open Banking to see all your bank accounts in one place, set budgets, find and cancel wasteful subscriptions and monitor your financial health over time. emma-app.com View FCA registration
We are best known for helping you manage your credit score. We help consumers and businesses make smarter financial decisions using credit information. Open Banking gives us the opportunity to help you put your bank transaction data to good use in a safe and secure way. With our team at Runpath – a division of Experian – we can create a consolidated view of your credit score, your income and expenditure, assets and liabilities. Using data science, we then create a personalised view of your financial well-being. This information can be used to protect your identity and find finance that works for you. Organisations use it to create great customer experiences and better financial services. Experian is authorised and regulated by the FCA. View FCA registration experian.co.uk
Tail provides personalised card-linked cashback offers for Starling and Monzo customers. https://verve.cash/ View FCA registration
Flagstone’s cash deposit platform aims to enable customers to potentially earn more interest income from their cash in a scalable, safe way. Flagstone provides access to hundreds of deposit accounts through one single application. Through Open Banking, Flagstone is able to utilise its existing architecture to integrate fully with banks and aims to ensure the best possible rates and a seamless experience for our customers. flagstoneim.com View FCA registration
Atto uses Open Banking data to provide real-time financial insights into a consumer’s spending, saving, and income patterns. These insights power predictive models for credit risk, affordability, and income verification, offering lenders an accurate, dynamic view of a consumer’s financial health. By using categorised transaction data, Atto helps businesses make faster, more informed credit decisions, improve portfolio performance, and enhance risk management. www.atto.co View FCA registration
Powering leading Pay by Bank schemes in the UK and Europe, Token.io’s turnkey infrastructure makes it simple for banks, platforms and payment companies to grow revenue, reduce costs and expand to new markets with Pay by Bank. Unrivalled acceptance, industry-leading conversion rates, and a uniquely collaborative partnership and distribution model make Token.io the market benchmark, as recognised by independent analysts. The first and most experienced provider to own and operate a Pay by Bank network, Token.io is a driving force for innovation as the single access point connecting businesses to the future of payments. The company’s partners include three of Europe’s five largest financial institutions and a blue-chip payments community. token.io View FCA registration
Citibank Europe is headquartered in Ireland. It is authorised and regulated by the Central Bank of Ireland.
We collect, enrich, and contextualise the data fragments. Enabling you to deliver intelligent personalised financial journeys and drive better customer outcomes. Explanation of product/service, what it provides and how it uses Open Banking where relevant. Please keep as factual as possible Moneyhub empowers leading financial institutions to build for real life. Its API-first platform transforms raw financial data into a comprehensive, holistic view of a customer’s finances. It delivers intelligent, personalised financial journeys at scale, helping banks, insurers, wealth managers, and pension providers provide highly personalised, lifelong financial relationships with their customers. These embedded services enable Moneyhub’s clients to achieve clear business outcomes, including increased sales, reduced operational costs, new distribution channels, and frictionless customer experiences that drive engagement, loyalty, and growth. Moneyhub is regulated by the FCA and certified to ISO 27001, underscoring its equal commitment to security, compliance, and innovation. moneyhub.com View FCA registration
Funding Options is the free marketplace for business finance, helping businesses find the right finance for their situation from dozens of the UK’s best lenders, across all types of funding. Our comprehensive lender panel offers full market coverage, featuring high-street and challenger banks, large independents, niche sector specialists, and local providers. We aim to use Open Banking to make the process of finding the right business finance quicker and easier than ever so more of the UK’s hard working businesses can get right finance for their situation. fundingoptions.com View FCA registration
QuickBooks Online and QuickBooks Self-Employed make it easy to collaborate with an accountant, while QuickBooks Online Accountant helps firms grow their practice. Join QuickBooks today and transform the way you do business. quickbooks.intuit.com/uk/ View FCA registration
Designed for the SME business market, our behavioural algorithm uses open banking data to analyse a company’s interactions across the financial system. Our Credit Passport® product provides a credit score in real-time, and aims to enable SMEs to access finance, benefit from commercial terms by raising their credit profile and to demonstrate their financial stability when accessing international markets or trade deals. Our Credit Gateway API products aim to allow platforms and lenders to benefit from a solid banking compliant SME credit score, and aim to allow customers to offer instant lending, rate entire portfolios of loans or facilitate a dialogue with SMEs. View FCA registration creditpassport.com
CreDec provides payroll and supplier accounts payable and accounts receivable payments for business in a seamless, integrated process using the customer’s main bank account only. Payment instructions acquired from third party applications are verified in flexible workflows that allow secure, collaborative working with multiple users to streamline payment processes before authorisation. CreDec account information, identity and payment validation capabilities allow employers, consumers and accounting providers to demonstrate data compliance with Making Tax Digital by default. credec.com View FCA registration
Our mission is to make sure customers only share the information that they want to, when they want to. And to make sure they know exactly who is looking at their information. consents.online is provided completely free of charge to customers. For the richest experience, we recommend that customers with an account to download our Android/iOS apps so that we can more easily provide them with notifications and other useful information. If you are a business who wants to access bank transaction data as part of the UK’s Open Banking initiative we can help. consents.online View FCA registration
TrueLayer is an open banking payments network, providing real-time bank payments, data and identity APIs across the UK and Europe. Businesses of all sizes use TrueLayer to accept and send instant payments via open banking rails. By combining real-time bank data and identity, they create solutions for streamlining onboarding, reducing fraud and increasing payment success. A founding member of the Open Finance Association, it was one of the first TPPs to go live with variable recurring payments (VRPs), and it is leading the development of commercial VRP for both sweeping and non-sweeping use cases. TrueLayer’s platform provides developers with a simple and secure portal to access open banking APIs and integrate bank payments into their apps, websites and in-store experiences. www.truelayer.com View FCA registration