For Payment Service Providers and Banks

Secure bill payments in your banking app

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See how Answer Pay’s Request to Pay platform benefits our client The Money Carer FoundationRun-Time: 2-mins

Latest News: Answer Pay closes new round of funding to aid European expansion

Latest News: Answer Pay receives Department of International Trade (DIT) funding to support European (SEPA RtP) expansion plans

Latest News: Answer Pay tackles growing bill payment crisis with SEPA Request to Pay

Latest News: The Money Carer Foundation selects Answer Pay’s SPX platform to roll-out Request to Pay

Latest News: High-street Banking Thought Leaders Anybank.com selects RtP API from Answer Pay

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There are many good reasons to adopt our Request to Pay API and interop platform.

Here are four.

Get paid faster

With Answer Pay SPX™ payment consolidation is instant, and costs less than card, cash or cheque.
  • Give bill payers the means to manage their bills and pay instantly on mobile.
  • Request to Pay streamlines bill reconciliation compared to cash, check and other means.
  • For the financially vulnerable struggling to make ends meet, provide. a two-way dialogue to reconcile payment issues.

Secure payments from mobile apps

Request to Pay is safer for payers and for data.
  • Use of URL links to connect payers to bill payment websites risks payment fraud through unofficial sites mimicking your own
  • Pay-by-Link goes against decades of advice to users NOT to click on links
  • Banking authorities around the world are working to stamp out the use of Pay-by-Link

Create a two-way dialogue with payers

As the cost of living rises, RtP offers a better way to ensure payments from the financially vulnerable.
  • Brings empowerment to bill payers, with all bills brought together in one unified mobile banking app
  • Creates a two-way dialogue with billpayers
  • Instant digital payments directly from a mobile app

Deploy instantly

Answer Pay's SPX™ Request to Pay platform is the proven solution for adopting RtP on third-party mobile apps.
  • Use of URL links to connect payers to bill payment websites risks payment fraud through unofficial sites mimicking your own
  • Pay-by-Link goes against decades of advice to users NOT to click on links
  • Banking authorities around the world are working to stamp out the use of Pay-by-Link
to click or not to click ebook

Learn what finance and security experts have to say on the topic

How our RtP platform works

Explore our ready to configure, Software as a Service (SaaS) platform, that connects PSPs and banks to Request to Pay .

Payer’s bank/PSP

Manages payments on behalf of the payer.

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Payer

A consumer or business  that has made a purchase and needs to make a payment.

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Answer Pay SPX Model Illustration

Biller’s bank/PSP

Responsible for cash collection on behalf of the biller.

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Payer’s bank/PSP

A business invoicing for goods and services.

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Why Answer Pay? In 2020 we became the first firm to deliver a fully implementable and certified Request to Pay solution. Since then, we’ve completed a series of successful RtP deployments.

Consumer Champion

We’re a consumer champion, supporting the roll-out of Request to Pay to make mobile bill payment messaging secure, and offering consumers a simpler way to manage, protect and make bill payments, overcome deputyship and Power of Attorney challenges, etc.

Pioneers of Open Finance

Our bill payment innovations focus on ways to open up markets and increase access to information for all.  Open Banking is gradually morphing into an industry-wide Open Finance discussion that benefits billers and bill payers alike.

Financial Inclusion

We’re committed to making finance easier, and better serving the financially vulnerable and underbanked (the ‘us and them’ challenge facing society) communities that are growing in number every day.

Solve the bill payment problem with Request to Pay

Maximise Profitability

Better rates compared to cheque, cash and card payments while increasing transaction returns.

Scale Payment Volumes

Adopt pay request styled digital payments to displace cash, card and cheque payments and win a higher share of the customer wallet.

Simpler Integration

Successfully deliver the invoice and request for payment to the payer’s PSP.

 

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First Mover Advantage

Fast growing digital invoice payments market attracts new customers and a larger share of wallet.

Your System, Your Way

Our white-label service can be fully integrated into an existing digital real estate.

Win Customers

Bring more value to billers by offering the digital payment services they demand.

 

Ready to get started with RtP?