allpay Limited

Confirmation of Payee

allpay’s Confirmation of Payee solution is a fully hosted software service designed and built with customer protection in mind. Whilst you control the user interface, The SaaS provides simple system responses enabling real time feedback to validate the entered beneficiary details when a customer makes an account-to-account (A2A) payment.

Features

• Fully Pay.UK CoP compliant
• Own CoP service used to power our own platform
• Real-Time reporting dashboard and tailored reports

Benefits

• Mitigate the risks of Authorised Push Payment (APP) fraud
• Improved customer journey through increasing consumer confidence in payment method
• Ensures payments go to the correct place
• Reduces payment abandonment rate
• Easy API Integration
• Built for the future

£0.30 a transaction

Service documents

• Pricing document

  PDF

• Service definition document

  PDF

• Terms and conditions

  PDF

Request an accessible format

If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at tenders@allpay.net. Tell them what format you need. It will help if you say what assistive technology you use.

Framework

G-Cloud 14

Service ID

506751937459090

Contact

Robert Cutler
+441432807543
tenders@allpay.net

Service scope

• Software add-on or extension: No
• Cloud deployment model: Public cloud
• Service constraints: Our services are designed to run 24/7 with no downtime even for upgrades, however if we were to undertake any maintenance this will be carried out outside of the normal working day to minimise any disruption to the service. Clients would be made aware of any planned maintenance work prior to commencement. As this is a SaaS platform with API integration, you are abstracted from any operational hardware constraints.
• System requirements:
  • No third party licencing requirements
  • Adherence to allpay API specification (Available in Swagger Hub)

User support

• Email or online ticketing support: Email or online ticketing
• Support response times: UK in-house Customer Service Contact Centre (CSCC) team is available between 08:00 and 18:00 Monday to Friday. We have an out of hours support service available 24/7.
• User can manage status and priority of support tickets: No
• Phone support: Yes
• Phone support availability: 24 hours, 7 days a week
• Web chat support: No
• Onsite support: Onsite support
• Support levels: Outside the Customer Service Contact Centre hours 08:00-18:00 Monday to Friday, allpay ensures an engineer is on call 24/7 for incidents. ; allpay provides a dedicated Account Manager for day to day queries, including performance management, contract queries and any technical issues encountered.
• Support available to third parties: Yes

Onboarding and offboarding

• Getting started: Allpay will appoint a dedicated implementation contact to oversee the full implementation process – with weekly calls scheduled between them, the organisation's dedicated account manager and stakeholders at the Organisation. The implementation itself is very straightforward as it just involves a simple API call, we provide a sandbox environment for you to test and build your connection to our API. Your main co-ordination activity will be when you want to switch the service on.
• Service documentation: Yes
• Documentation formats:
  • HTML
  • PDF
• End-of-contract data extraction: N/A - There is no data to transfer back when the contract ends. Our services are a very straightforward plug and play.
• End-of-contract process: Allpay's contract price includes exit of the contract. On contract expiry, the client can simply switch off or repoint their API call from us.

Using the service

• Web browser interface: No
• Application to install: No
• Designed for use on mobile devices: Yes
• Differences between the mobile and desktop service: The main operation is enacted via an API and as such requires no manual interaction. However, our administration capabilities are exposed via screens that are mobile optimised.
• Service interface: Yes
• User support accessibility: WCAG 2.1 AA or EN 301 549
• Description of service interface: Any administration is carried out through our payments hub. The main operation is enacted via API and as such does not use an interface.
• Accessibility standards: WCAG 2.1 AA or EN 301 549
• Accessibility testing: We use sortsite and pa11ly to do accessibility testing on our platform as part of our development life cycle.
• API: Yes
• What users can and can't do using the API: The API provides the ability for clients to request account confirmation from participate banks.
• API documentation: Yes
• API documentation formats:
  • Open API (also known as Swagger)
  • PDF
• API sandbox or test environment: Yes
• Customisation available: No

Scaling

• Independence of resources: Allpay uses a number of utilisation tools to monitor its networks and associated equipment to ensure that all of its clients receive service in accordance with the agreed Service Levels expected. An automated reporting and monitoring process is in place for all platforms, with alert messaging provided to key business stakeholders at certain capacity thresholds. As the service components are run on a cloud platform, the architecture is inherently scalable. As such, the solution is horizontally and vertically scalable.

Analytics

• Service usage metrics: Yes
• Metrics types: A standard suite of reports is available within our payment hub should this be required.
• Reporting types: Real-time dashboards

Resellers

• Supplier type: Not a reseller

Staff security

• Staff security clearance: Other security clearance
• Government security clearance: None

Asset protection

• Knowledge of data storage and processing locations: Yes
• Data storage and processing locations: United Kingdom
• User control over data storage and processing locations: No
• Datacentre security standards: Supplier-defined controls
• Penetration testing frequency: At least once a year
• Penetration testing approach: ‘IT Health Check’ performed by a Tigerscheme qualified provider or a CREST-approved service provider
• Protecting data at rest:
  • Physical access control, complying with another standard
  • Encryption of all physical media
• Data sanitisation process: Yes
• Data sanitisation type:
  • Explicit overwriting of storage before reallocation
  • Deleted data can’t be directly accessed
• Equipment disposal approach: Complying with a recognised standard, for example CSA CCM v.30, CAS (Sanitisation) or ISO/IEC 27001

Data importing and exporting

• Data export approach: Under this service data is not held by allpay. If data was held, transfer of data between organisations and allpay uses 256-bit Advanced Encryption Standard (AES) over Transport Layer Security (TLS) 1.2, creating a secure link between the organisation’s internet browsers and allpay’s web servers, ensuring all data transmitted between the two remains secure. Data can be exported securely via allpay's management portals.
• Data export formats:
  • CSV
  • Other
• Other data export formats: ASCII
• Data import formats:
  • CSV
  • Other
• Other data import formats: ASCII

Data-in-transit protection

• Data protection between buyer and supplier networks: TLS (version 1.2 or above)
• Data protection within supplier network: TLS (version 1.2 or above)

Availability and resilience

• Guaranteed availability: 99.5% availability excluding downtime required for planned upgrade and maintenance.
• Approach to resilience: Allpay uses availability zones within region and multiple regions as part of its Azure hosting, this provides resiliency and maximises uptime.
• Outage reporting: Organisations will be notified in advance of any scheduled maintenance. Scheduled maintenance is communicated via our cloud-based management portal, where a message will be displayed detailing the maintenance period. Additionally, emails would be sent directly to Super Users of the portal, who are sent the scheduled maintenance period by email. Additionally, allpay has a public-facing service status page detailing the availability of all its services at all times.

Identity and authentication

• User authentication needed: Yes
• User authentication:
  • Public key authentication (including by TLS client certificate)
  • Username or password
• Access restrictions in management interfaces and support channels: Access to allpay's management portals is authenticated via username and password. User accounts are configured with varying level of access available. Passwords must conform to NCSC standards.
• Access restriction testing frequency: At least every 6 months
• Management access authentication:
  • 2-factor authentication
  • Username or password

Audit information for users

• Access to user activity audit information: Users have access to real-time audit information
• How long user audit data is stored for: At least 12 months
• Access to supplier activity audit information: Users have access to real-time audit information
• How long supplier audit data is stored for: At least 12 months
• How long system logs are stored for: At least 12 months

Standards and certifications

• ISO/IEC 27001 certification: Yes
• Who accredited the ISO/IEC 27001: Alcumus ISOQAR
• ISO/IEC 27001 accreditation date: 08/08/2023
• What the ISO/IEC 27001 doesn’t cover: The accreditation covers all aspects of allpay's IT and Security.
• ISO 28000:2007 certification: No
• CSA STAR certification: No
• PCI certification: Yes
• Who accredited the PCI DSS certification: One Compliance Cyber Ltd
• PCI DSS accreditation date: 25/08/2023
• What the PCI DSS doesn’t cover: Allpay is directly PCI-DSS compliant and is a Level 1-certified Payment Services Provider and Payments Facilitator.
• Cyber essentials: Yes
• Cyber essentials plus: Yes
• Other security certifications: Yes
• Any other security certifications:
  • MasterCard and Visa accreditation
  • DPA Registration
  • BACS Certificate of Approval
  • Cyber Essentials Plus
  • ISO 9001
  • ISO 20071

Security governance

• Named board-level person responsible for service security: Yes
• Security governance certified: Yes
• Security governance standards:
  • ISO/IEC 27001
  • Other
• Other security governance standards: Cyber Essentials Plus
• Information security policies and processes: Allpay has a fully documented and audited Security Information Policy and ISO 27001 accreditation. allpay's Head of Compliance has overall responsibility for ensuring that the policy is followed - he reports to allpay's board of directors on any related matters. A copy of the policy can be provided on request.

Operational security

• Configuration and change management standard: Supplier-defined controls
• Configuration and change management approach: Allpay uses a Software Development Life Cycle (SDLC) for Software Development – a series of steps that provides a model for the development and lifecycle management of an application/software. Further to this, allpay has technical implementation plans and a change control board to verify changes prior to release into production. allpay uses an Agile development methodology and conforms to OWASP (Open Web Application Security Project). Developers also have training in secure coding techniques. allpay internally code reviews all major applications and revisions against such criteria as the OWASP top 10. ; Practices also comply with ISO 27001 and Cyber Essentials Plus.
• Vulnerability management type: Supplier-defined controls
• Vulnerability management approach: Allpay performs monthly internal and external vulnerability scans as required by PCI. Internal auditors review systems as required and in conjunction with the allpay audit plan devised to maintain compliance with ISO 27001 & PCI standards. IT Operations have implemented various tools to monitor the health of the network, e.g. Ops Manager, Apps Manager, Tripwire, SIEM, IPS/IDS, Sophos Suite etc. Checks are made for patches and updates daily, once alerted to a new patch, IT Support will download and review the new patch within four hours of its knowledge of release.
• Protective monitoring type: Supplier-defined controls
• Protective monitoring approach: Vulnerability scans are run against the network infrastructure for devices on a scheduled periodic basis and reports are generated on the vulnerabilities identified across the assets in each network zone. ; In response to any identified compromise, allpay has a fully documented and audited Information Security Response Plan that covers all reports of information security weaknesses or events relating to any of the organisation’s information assets. This is available on request.; allpay has in place SLAs for incident response management, detailing fix times, response times and interval updates for critical and high impact incidents. These are available on request.
• Incident management type: Supplier-defined controls
• Incident management approach: Allpay has pre-defined processes in place for incident management. This is inline with ISO 27001. allpay’s Information Security Policy Handbook provides a framework for the management of information security to minimise risk (this is available on request). The high-level procedure for responding to any security incident is as follows: • Advise Head of Compliance • Commence investigations • Submit Security Incident form • Identify and implement resolution • Produce report • Update documentation • Advise management. Incident reports are available to clients through allpay's Customer Service Contact Centre.

Secure development

• Approach to secure software development best practice: Independent review of processes (for example CESG CPA Build Standard, ISO/IEC 27034, ISO/IEC 27001 or CSA CCM v3.0)

Public sector networks

• Connection to public sector networks: No

Social Value

• Social Value:

  Social Value

  Fighting climate change

  Fighting climate change

  As an ISO 14001, ISO 50001 and ISO 45001 accredited company, allpay is aware of the responsibilities regarding its environmental impact and has implemented company-wide initiatives and targets to reduce environmental impact, ethically and sustainably.; ; allpay is a registered producer of hazardous waste. We ensure that our disposal methods have a minimal impact on the environment and conforms to statutory and legal requirements. We have signed an agreement with a licensed waste disposal company for the collection and disposal of manufacturing waste, which is recycled.; ; allpay recently announced its intention to offer an almost 100% recycled card product by enhancing its relationship with SPICA's closed loop recycling project. ; ; Using recycled PVC contributes to the preservation of natural resources by reducing the demand for virgin PVC, helping to minimise landfill volumes. A key advantage is that recycled PVC can be recycled multiple times without significant loss of quality or performance.; ; allpay's recycled PVC cards have been approved by Mastercard and Visa and are subject to the quality standards of the Card Quality Management (CQM) system. All cards are produced to a CQM A-grade. In March, allpay passed the Mastercard Sustainability Audit and attained the Mastercard Sustainability Badge.; ; The use of modern, well-maintained equipment allows allpay to operate at very low levels of wastage for its Payment Card manufacturing. The wastage rate for its operations in previous years has been less than 1%.; ; allpay recently announced its intention to offer an almost 100% recycled card product by enhancing its relationship with SPICA's closed loop recycling project.; ; Looking ahead, we are shortly hoping to become a 'Planet Mark certified business' following an in-depth measurement and verification of our carbon footprint.; ; We have also signed a new electricity contract with Ecotricity to supply our site with 100% renewable energy from 1st September.

Pricing

• Price: £0.30 a transaction
• Discount for educational organisations: No
• Free trial available: No

Service documents

• Pricing document

  PDF

• Service definition document

  PDF

• Terms and conditions

  PDF

Request an accessible format

If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at tenders@allpay.net. Tell them what format you need. It will help if you say what assistive technology you use.