For Payment Service Providers and Banks

Your API for Request to Pay

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Why connect to Request to Pay with SPX? Run-Time: 2-mins

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Bill payments are changing

In this era of digital connectivity one size no longer fits of all.

read about Answer Pay SPX™ >

Implement a Request to Pay service

Learn how Answer Pay’s SPX™ platform can fast-track your move to digital bill payments.

read about Answer Pay SPX™ >

Avoid the cut

How do PSPs and banks avoid losing their place in billing because of disintermediation?

read bill payment insights >

The smarter way to bill pay

Never heard of Request to Pay – the UK’s answer to federated request for payments? 

read about RtP >

Answer Pay are FinTech Finalists

Answer Pay has been selected as a FinTech finalist by Finextra and Eurobanking association for their FinTech Zone at EBAday2021. If you are attending come and join us for an “ask me anything” on Request to Pay and free downloadable resources.


1 in 3 financial services professionals are thinking about how to approach new payment initiatives.

Source: Answer Digital Financial Services Survey 2020


For SMEs as Payers, RtP could reduce the unit cost of receiving and paying an invoice by up to 60%.

Source: Accenture – Economics of Request for Payment White Paper


of 24 to 35-year old’s have had difficulties paying a bill in the last 12 months wanting the ability to DELAY, SKIP or MODIFY a payment.

Source: Answer Digital Financial Services Survey 2020

Solve the bill payment problem with Request to Pay

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Maximise Profitability

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

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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.

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Simpler Integration

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


First Mover Advantage

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

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Your System, Your Way

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

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Win Customers

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

How it 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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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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