About us

Who we are | What we do

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Answer Pay is an enabler to make the future of digital payments possible.

We offer a white-label digital invoice and cash collection service.

We serve banks and payment service providers (PSPs) by supplying our SPX™ interoperability platform to use their existing applications and portals with the Request to Pay secure messaging ecosystem.

Together, we cut billing costs for companies, growing their audience and simplifying reconciliation – while increasing returns to you.

For PSPs, we supply the digital infrastructure to equip billers to Request digitally, Collect faster, Reconcile easily

The simplest way to pay bills is settle a digital payment request received via a trusted mobile app.

Answer Pay helps banks and payment service providers to launch their own Request to Pay service, overcoming the technical hurdles. 

Our Request to Pay services equip them to harness digital payments by offering a flexible, low-cost solution to bill payment.  

Money is collected faster, while reconciliation is simplified.

For Payment Service Providers we: 
  • scale payment volumes
  • maximize profitability, and
  • win customers through superior client services

Why partner with Answer Pay?

Answer Pay’s white label digital platform equips Payment Service Providers (PSPs) to implement their own branded Request to Pay digital payment service.

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In June 2020, Answer Pay became the first certified provider of Request to Pay services, and the first to complete live transactions.

Meet the team

Mike Chambers

Mike Chambers


Former CEO of Bacs processing approx. 7Bn transactions annually.  Mike is a payments industry luminary

Gary        Parlett

Gary Parlett


Founder and CEO of both Answer Digital and Answer Pay, Gary is a successful serial entrepreneur in payment technology

Peter Cornforth

Peter Cornforth

Commercial Director

Payments product specialist. Over 10 years
experience in the payment arena with Santander,
Vodafone, Amazon and Paysafe

Finbarr        Joy

Finbarr Joy


Former CTO of Superbet, Lebara, William Hill.  Finbarr puts the Tech into FinTech.  Hugely successful at running high volume high integrity platforms 

Answer Pay was founded by Gary Parlett to meet the growing needs of businesses and workers in the Gig economy. 

At Answer Pay, we’re passionate about the economic and societal potential of digital payments; their ability to democratise fair billing practices, forge new relationships, help to share wealth and stimulate economic growth.  

Some things you can take for granted

  • Always low, predictable fees
  • We reduce transaction fees to billers and fraud risk
  • When we say our integration is painless, that’s precisely what we mean
  • We’re a trusted provider of secure payment technologies
  • We meet all GDPR compliance and data security requirements
  • We’re certified to comply with the UK’s Request to Pay standard

Ready to find out more?