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
• eal-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

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 15

Service ID

606942623357774

Contact

Robert Cutler
+441432807543
tenders@allpay.net

About the service

• Service categories:

  Applications

  Enterprise resource management

  Financial

  • Financial and Accounting Applications
• Multi cloud support: Yes

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: Yes
• Support response times: UK in-house Customer Service Contact Centre (CSCC) team is available between 08:00 and 18:00 Monday to Friday, 08:00-12:00 Saturday for both client and payer queries.
• User can manage status and priority of support tickets: No
• Phone support: Yes
• Phone support availability: 9 to 5 (UK time), Monday to Friday
• Web chat support: Yes
• Web chat support availability: 9 to 5 (UK time), Monday to Friday
• Web chat support accessibility standard: WCAG 2.2 AA
• Web chat accessibility testing: -
• Onsite support: No
• Support levels: Outside the Customer Service Contact Centre hours 08:00-18:00 Monday to Friday and ; ; allpay ensures an engineer is on call 24/7 for incidents. This is alongside our ISO-9001 incident management procedure.; ; 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
• AI chatbot: 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.
• Documentation accessibility standard: WCAG 2.2 AA

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 2.2 AA
• Description of service interface: Allpay’s web-based portal is compatible with IE9 and above, Chrome 24 and above, Safari 9, Firefox 18 and above, Opera 15 and above.
• Accessibility standards: EN 301 549
• Accessibility testing: Any administration is carried out through our payments hub. The main operation is enacted via API and as such does not use an interface.
• 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 and client applications can be run on multiple servers and separate services, the architecture is inherently scalable. As such, the solution can easily grow onto multiple servers across data centres making the system horizontally scalable.

Analytics

• Service usage metrics: Yes
• Metrics types: A standard suite of reports is available and can be scheduled for delivery to the organisation, covering user management, transaction breakdowns across different networks, transaction history and volume and value of payments processed at each network. allpay can also work with organisations to create bespoke reports with the option to have them scheduled.
• Reporting types:
  • API access
  • Real-time dashboards
  • Regular reports
  • Reports on request
• Resource tagging: No
• FOCUS resource tagging: No

Supplier type

• Supplier type: Not a reseller

Staff security

• Staff security clearance: Staff screening not performed
• Government security clearance: None

Asset protection

• Knowledge of data storage and processing locations: Yes
• Data storage and processing locations:
  • United Kingdom
  • European Economic Area (EEA)
• User control over data storage and processing locations: Yes
• Datacentre security standards: Supplier-defined controls
• Penetration testing frequency: At least every 6 months
• Penetration testing approach: ‘IT Health Check’ performed by 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
• Equipment disposal approach: Complying with a recognised standard, for example CSA CCM v4.0, CAS (Sanitisation) or ISO/IEC 27001
• Data sanitisation type: Explicit overwriting of storage before reallocation / Secure Erase

Data importing and exporting

• Data export approach: 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

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’s data centres have full redundancy for all amenities and networking connectivity. Its data centres operate with real-time data replication supporting real-time failover between them. This provides a 99.5% availability excluding downtime required for planned upgrade and maintenance. allpay’s data centres are ISO 27001 certified. The allpay system is live 24/7/365.
• 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:
  • Multi-Factor Authentication (MFA)
  • 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. The nominated super user at the organisation can create user accounts with configurable permissions. Roles can also be created to approve user actions e.g. transactions above specified value thresholds. Data is segregated in the system by unique client codes, ensuring each client only has access to their and their customers' data. Passwords must be a minimum of eight characters, alpha-numeric.
• Access restriction testing frequency: At least every 6 months
• Management access authentication:
  • Multi-Factor Authentication (MFA)
  • 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 contact the support team to get 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

Security governance

• Named board-level person responsible for service security: Yes
• Security governance certified: Yes
• Security governance standards: ISO/IEC 27001
• 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.
• Software Security Code of Practice: Yes

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.
• Post-quantum cryptography secure: Yes

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 v4.0)

Public sector networks

• Connection to public sector networks: No

Pricing

• Discount for educational organisations: No
• Free trial available: No

Discount percentage by annual call-off contract value (excluding VAT)

• Less than £250,000: 0%
• Between £250,000 and £500,000: 1%
• Between £500,001 and £1,000,000: 2%
• Between £1,000,001 and £2,500,000: 3%
• Between £2,500,001 and £5,000,000: 4%
• Over £5,000,001: 5%

Standards and certifications

• ISO/IEC 27001 certification: Yes
• ISO/IEC 27001 accredited by: SOCOTEC Certification UK Ltd
• ISO/IEC 27001 accreditation date: Sunday 9 June 2024
• What the ISO/IEC 27001 doesn’t cover: -
• ISO 28000:2022 certification: No
• ISO 9001 certification: Yes
• ISO 9001 certification accredited by: SOCOTEC Certification UK Ltd
• ISO 9001 accreditation date: Friday 1 August 2025
• What the ISO 9001 doesn’t cover: -
• Quality management systems (QMS): Yes
• CSA STAR certification: No
• PCI certification: Yes
• PCI DSS certification accredited by: PCI Security Standards Council
• PCI DSS accreditation date: Tuesday 26 August 2025
• What the PCI DSS doesn’t cover: -
• Cyber essentials: Yes
• Cyber Essentials Certificate Number: C9a78e26-57ae-4efa-bfc3-8c9429e688a0
• Cyber essentials plus: Yes
• Cyber Essentials Plus Certificate Number: 09fabd03-958a-443d-9b93-728a9565e5f6
• Other security certifications: No

Social value

• Mission: Break down barriers to opportunity:

  By reforming our childcare and education systems, to make sure there is no class ceiling on the ambitions of young people in Britain

  Policy Outcome 6: Employment and training: For those who face barriers to employment

  • Understanding of employment and skills issues, and of the skills and employment shortages of high growth sectors relating to the contract
  • Creation of employment opportunities particularly for those who face barriers to employment, such as prison leavers, care leavers and/or who are located in deprived areas, and for people in industries with known skills shortages or in high growth sectors
  • Delivery of training schemes and programmes to address any identified skills gaps and under-representation in the workforce for the contract (e.g. prison leavers, care leavers, kinship carers, disabled people)
  • Advertising, promotional and outreach activities designed to raise awareness of the offer to reach the target cohort
  • Inclusive and accessible recruitment practices, and retention-focused activities, including those provided in the Guide for line managers on recruiting, managing and developing people with a disability or health condition
  • Offering a range of quality opportunities with routes of progression if appropriate, e.g. T Level industry placements, students supported into higher level apprenticeships.
  • Working conditions which promote an inclusive working environment and promote retention and progression
  • Other measures to provide equality of opportunity for disabled people and those with health conditions into employment, including becoming a Disability Confident employer and inclusion of supported businesses in the contract supply chain
• Mission: Build an NHS fit for the future:

  That is there when people need it; with fewer lives lost to the biggest killers; in a fairer Britain, where everyone lives well for longer.

  Policy Outcome 8: Increasing productivity through physical and mental wellbeing: In the supply chain and communities in the relevant area.

  • Understanding of issues relating to health and wellbeing, including physical and mental health, in the contract workforce
  • Understanding barriers to access to health and social care services or employment opportunities e.g. digital inclusion
  • Inclusive and accessible recruitment practices, development practices and retention policies that support-focused activities including those provided in the Guide for line managers on recruiting, managing and developing which support people with a disability or health condition
  • Actions to invest in the physical and mental health and wellbeing of the contract workforce

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.