User Experience

Our customers | How we bring value

answerpay balls

Easier experiences that deliver.

Differentiating your payment services has never been easier.  Simply connect your user interface into Answer Pay’s SPX platform to start delivering Request to Pay experiences designed by you.

Request to Pay in 4 steps

the send experience graphic
the receive experience graphic
the respond experience graphic
the pay experience graphic

Benefits for Billers

Lower cost

Only pay a fixed fee for the request, no processing costs


Integral to the biller’s existing platforms meaning no new integrations


Immutable reference numbers that billers specify

illustration of man holding a giant smart phone, paying bill, request to pay art graphic

Benefits for Payers


See all requests from all billers in your app for more control


Requests arrive in your app and not over e-mail/SMS


The convenience of chat messaging with the security of a bank

The biller experience

How PSPs can empower billers

Help your billers cut their costs of payment and cash management.

As a provider of a billing or accountancy management platform, you can offer your billing clients a new invoice and payment option that has the flexibility of cash with the control of Direct Debits.

Answer Pay’s Request to Pay services help reduce the cost of managing bill payments by enabling two-way digital communication between billers and payers for invoice payment.  Easily reconcilable; our Request to Pay solutions cater for the specific need of your business.

people and technology image
pay bill by message on mobile image

The payer experience

How PSPs, banks and billers can empower payers

Deliver payment power in your app.

As a provider of a consumer-facing application, you can increase customer engagement with your product by empowering customers to aggregate and pay their bills from your app.  

Your customers create a unique Request to Pay ID which can be in your brand.  They then share this ID with their billers who will send all future invoices to that ID.  You retrieve the invoices periodically from our SPX™ platform and alert customers when payment is required.  They then return to your app and pay using the payment methods that you provide.  Easy and convenient!

 Moving ahead with Request to Pay

Arrange a 1-to-1 meeting

Schedule a meeting with one of our expert team to understand the practical challenges and roadmap to implementing Request to Pay


Fast-track your learning

We’ve partnered with Answer Digital to study the Request to Pay opportunity.  Read the report.