request to pay introduction

[Leeds/Manchester, UK] — Answer Pay, a pioneer in financial services, is thrilled to announce a strategic partnership with Money Carer, the leading provider of DWP appointeeship and banking services catering to vulnerable adults in the UK via their banking and payments platform, Monika.

As a result of this partnership, Answer Pay and The Money Carer Foundation have successfully conducted the first live transactions for Request to Pay, a testament to the innovative capabilities that will redefine payment experiences for users.  Ismail Bhana, CTO of Answer Pay comments

“We are very proud to be the first to launch live Request to Pay services in the UK.  Our pioneering service introduces much-needed bill payment flexibility to the millions suffering from the cost of living crisis”

This collaboration is poised to revolutionise financial management for vulnerable adults by introducing groundbreaking features:

No Code Integration with British Gas:

In a pioneering move, the partnership has achieved a seamless, no-code integration with British Gas. This streamlines the processes for British Gas and other billers, offering a hassle-free integration experience in collecting their payments.

Enhanced Protection Against Authorised Push Payment Fraud:

Unfortunately, vulnerable adults are more susceptible to authorised push payment fraud.  This collaboration introduces advanced security measures ensuring that bill payment requests are pre-validated filtering out potential fraudsters, keeping consumers safe

Simpler Financial Management for Deputies, Attorneys, and Appointees.

Professional deputies, attorneys, and appointees responsible for the financial well-being of potentially hundreds of clients under their care can now manage finances remotely and more efficiently via Monika. This feature facilitates efficient financial oversight, providing a more streamlined and accessible approach to managing the financial affairs of vulnerable adults.  

Biller Directory for Seamless Enrolment:

The partnership introduces a comprehensive biller directory, allowing consumers to enrol with new billers via their payment app. Importantly, this process requires no ID sharing, offering a secure and privacy-focused solution for users. 

“We are delighted to partner with Answer Pay in helping our professional deputy partners with one of their biggest issues – keeping vital services such as heating running for their vulnerable customers.  This new digital solution will really reduce the workload associated with receiving and making bill payments”  Added Sean Tyrer, CEO of Money Carer.


The partnership between Answer Pay and Money Carer is not merely a collaboration; it’s a commitment to empowering vulnerable adults and their money managers with cutting-edge financial tools. Together, we strive to create a more secure, convenient, and inclusive financial landscape for all.  


Dr Ismail Bhana

Dr Ismail Bhana


CTO of Answer Pay, Ismail Bhana is recognised expert in the field of Request to Pay leading the UK’s financial technology development in this area.