PAYPOINT NETWORK LIMITED

Open Banking Payment Initiation Services PIS Account Information Services AIS Enhanced Financial VRP

PayPoint offers PIS via API or whitelabel platforms, enabling customers to make instant bank payments without cards. AIS lets customers share financial and credit data, with enhanced options giving real‑time account insights. Sweeping and VRP use Open Banking to automate and manage variable, customer‑controlled transfers between bank accounts.

Features

• AIS - instant access to verified income, spending, affordability
• Enhances KYC processes by using real-time, verified bank data
• Intuitive portal or API, designed for non-specialist teams
• Support for Secondary Reference Data (SRD)
• Single, batch, or API driven checking
• Retrospective checks on existing accounts, employees, suppliers, and historic payees
• Tailor individual plans by assessing income and committed and expenditure
• Sweeping allows customer to transfer funds between two bank accounts
• More flexible than traditional DD, useful for managing fluctuating payments

Benefits

• Upfront and/or regular cleansing checks for operational savings
• Reduce the occurrence of errors and misdirection
• Reduce fraud and catch mistakes early to reduce potential loses
• Configurable matching logic for accurate, targeting checking
• Build trust and confidence
• Validation that invoice payments are to bona fide business accounts
• Reduce the risk of indemnity claims
• Aid compliance with Modern Slavery and Anti Money Laundering legislation
• Assess income and affordability data
• PISP payments typically processed and settled in real-time

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 nataliegraham@paypoint.com. Tell them what format you need. It will help if you say what assistive technology you use.

Framework

G-Cloud 15

Service ID

858704794581047

Contact

Ian Ranger
01707 600388
nataliegraham@paypoint.com

About your service

• Service categories:

  Applications

  Enterprise resource management

  Financial

  • Financial and Accounting Applications
• Multi cloud support: No

Service scope

• Software add-on or extension: No
• Cloud deployment model: Private cloud
• Service constraints: The PayPoint service is available 24/7 and we operate a full disaster recovery facility to provide complete service resilience. In the event we do carry out system maintenance, we provide our clients with notice and schedule overnight to ensure minimal disruption.
• System requirements:
  • Our service is available via Internet Explorer 9+
  • Compatible with latest version of Chrome
  • Compatible with latest version of Firefox
  • Compatible with latest version of Opera
  • Compatible with Safari

User support

• Email or online ticketing support: Yes
• Support response times: Depending on the severity of the question. Responses can be handled immediately. At weekends, only severity 1 questions will be handled immediately.
• 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: Yes, at extra cost
• Support levels: The PayPoint Client Management team are available 9 to 5:30 Monday to Friday. Outside of core hours, we maintain an operational contact centre that is available 24/7 to deal with any urgent issues.
• Support available to third parties: Yes

Onboarding and offboarding

• Getting started: PayPoint's Client Implementation team will work with you to develop, test and implement the services. We will provide you with specifications and user documents and we will help you to complete a questionnaire which details your requirements. For API we will provide access to a sandbox and keys. Once developed, we provide full end to end testing and implement upon your acceptance. When the service is live you will be introduced to the Client Services team who will manage any day to day issues or questions you may have.
• Service documentation: Yes
• Documentation formats: PDF
• End-of-contract data extraction: Transaction data is provided daily up to the day the contract ends. For API CoP the client will have the data on their side. Any client data will be returned at the end of the contract.
• End-of-contract process: In the event the buyer transfers to another supplier, PayPoint will help to ensure a smooth transition. There would be no additional costs.
• Documentation accessibility standard: None or don’t know
• How the documentation is accessible: We can work with a client to support accessibility requirements as appropriate

Using the service

• Web browser interface: Yes
• Supported browsers:
  • Microsoft Edge
  • Firefox
  • Chrome
  • Other
• Application to install: No
• Designed for use on mobile devices: Yes
• Differences between the mobile and desktop service: The mobile user journey for setting up direct debit mandates can be either through mobile enabled sites or directly through APIs from your own apps.
• Service interface: Yes
• User support accessibility: None or don’t know
• Description of service interface: An easy to use interface which can be tested via sandbox.
• Accessibility standards: None or don’t know
• Description of accessibility: We can work with a client to support accessibility requirements as appropriate
• Accessibility testing: This has not been tested but our excellent coding standards mean that the interface should be compatible with screen readers.
• API: Yes
• What users can and can't do using the API: PayPoint have made available direct APIs in order to facilitate the payment, and removing the need for clients to be PCI compliant if required.; ; All PayPoint channels are built on a common set of RESTful APIs. These APIs are now being offered to clients to allow them to build their own channel apps or integrate into existing ones.; ; PayPoint offers a full user journey scoping service, advising on the best APIs to use to achieve maximum user satisfaction.
• API documentation: Yes
• API documentation formats:
  • Open API (also known as Swagger)
  • PDF
• API sandbox or test environment: Yes
• Customisation available: Yes
• Description of customisation: PayPoint can provide buyers with a range of customisation within Direct Debit; ; Our Hosted Mandate Page can be fully branded and be compliant with BACS.; ; Bank Modulus checks and Postcode checks are included; ; APIs allow full customer user journey control.; ; Our Client Implementation team will work with you during the set up process to customise the service to your requirements.

Scaling

• Independence of resources: PayPoint operates a 24/7 real time on-line system, supported by dual data centres to ensure full service availability at all times. Across all payment channels, PayPoint has an enviable track record of near total up-time, meeting industry best standards and this extends to resilience in the event of major service problems. During peak periods, PayPoint processes over 10 million transactions a week.

Analytics

• Service usage metrics: Yes
• Metrics types: As well as providing a daily batch transaction file (csv format), PayPoint provide an online dashboard so buyers can see Direct Debit Transactions.; In addition to all Mandatory BACS reporting, reporting is available on customer behaviour and insights.
• Reporting types:
  • API access
  • Real-time dashboards
  • Regular reports
  • Reports on request
• Resource tagging: No
• FOCUS resource tagging: No

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: Complies with a recognised standard (for example CSA CCM version 4.0)
• Penetration testing frequency: At least once a year
• Penetration testing approach: ‘IT Health Check’ performed by a CHECK service provider
• Protecting data at rest:
  • Physical access control, complying with SSAE-18 / ISAE 3402
  • Physical access control, complying with another standard
  • Encryption of all physical media
  • Scale, obfuscating techniques, or data storage sharding
  • Other
• Other data at rest protection approach: Data is held in a private subnet which is only accessible via a VPN; bank data is encrypted and not visible in plain text. ISAE 3402 I-Movo (as entirely hosted in Azure); RSM (as entirely hosted in AWS). Backup and storage of tapes: Encrypted using CommVault; Company laptops: Encrypted using Bitlocker. Obfuscating and Encryption techniques: Where appropriate to the risk (following ISO 27001, PCI DSS Compliance standards)
• Data sanitisation process: Yes
• Equipment disposal approach: A third-party destruction service
• Data sanitisation type: Deleted data can’t be directly accessed / Cryptographic Erasure

Data importing and exporting

• Data export approach: PayPoint provide clients with daily transaction files which contain details of all transactions processed the previous day.; ; All Reports are also available to download via the Direct Debit Client Portal.; ; API clients will have the data on their side.
• Data export formats:
  • CSV
  • Other
• Other data export formats: Excel
• Data import formats:
  • CSV
  • Other
• Other data import formats: Excel

Data-in-transit protection

• Data protection between buyer and supplier networks:
  • Private network or public sector network
  • TLS (version 1.2 or above)
  • IPsec or TLS VPN gateway
• Data protection within supplier network:
  • TLS (version 1.2 or above)
  • IPsec or TLS VPN gateway

Availability and resilience

• Guaranteed availability: SLA = 99.99% availability; Users are refunded via bet invoicing methods.
• Approach to resilience: Regular monitoring. The service is based in Dublin Ireland and is mirrored in three data centres which are on separate power and telecoms networks. If one becomes unavailable, it switches to one of the other two to maintain availability. We also hold a separate copy of the data in London and this can be deployed and running in one hour.
• Outage reporting: Email and system notifications to authorised Users. Any outages are reviewed at a management meeting monthly.

Identity and authentication

• User authentication needed: Yes
• User authentication: Username or password
• Access restrictions in management interfaces and support channels: Any access to our interfaces requires the end user to enter their Username and Password.
• Access restriction testing frequency: At least every 6 months
• Management access authentication:
  • Multi-Factor Authentication (MFA)
  • Public key authentication (including by TLS client certificate)
  • Username or password

Audit information for users

• Access to user activity audit information: Users receive audit information on a regular basis
• How long user audit data is stored for: At least 12 months
• Access to supplier activity audit information: Users receive audit information on a regular basis
• 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: PayPoint has a documented Group Information Security Policy and Security Policy Framework both compliant with ISO27001:2013. These are supported by a suite of other policies and procedures published for staff on our Intranet. Examples include anti-virus protection, vulnerability management, internet and e-mail use, staff training, risk management and incident reporting.; ; We ensure compliance to these policies by implementing our own internal audit system, employing third party auditors to target specific areas of governance and we are subject to registration visits twice per year for ISO27001:2013, once per year for PCI DSS and a number of audits for LINK compliance. All staff including contractors are expected to complete an information security induction when they begin at PayPoint and all staff are given refresher training once per year. All staff are expected to complete both GDPR and DPA training on our learning management system. The company has established a Cyber Security Sub-Committee and the board actively participate in both strategic risk reviews and incident exercises.; ; PayPoint has a Risk and Compliance team comprising of a Head of Risk and Compliance, a Risk and Compliance Manager, a Fraud and Police Investigations Officer and a Technical Security Analyst.
• Software Security Code of Practice: Yes

Operational security

• Configuration and change management standard: Supplier-defined controls
• Configuration and change management approach: PayPoint has a documented change management procedure. Development and production environments and staff are segregated. There is a weekly change review board that must approve any change before it is deployed to production. There is a facility for emergency changes to be released but this requires senior IT Management approval. PayPoint has dedicated project managers, a dedicated configuration manager and a documents software development process. In production, change managers have oversight of product deployments. Every weekday there is a meeting on the operations bridge to review all technical incidents changes and business in hand.
• Vulnerability management type: Complies with a recognised standard, for example CSA CCM v4.0 or SSAE-18 / ISAE 3402
• Vulnerability management approach: We employ a third party NCC (formerly CESG) CHECK vendor to independently test our security/vulnerability. This comprises daily delta testing, quarterly vulnerability testing and annual penetration testing. Reports are received as soon as available and work to correct issues found is prioritised based on risk.
• Protective monitoring type: Complies with a recognised standard, for example CSA CCM v4.0 or SSAE-18 / ISAE 3402
• Protective monitoring approach: There is a daily bridge review of all risks and incidents which is internally escalated and reviewed.; ; We also employ a third party NCC (formerly CESG) CHECK vendor to independently test our security/vulnerability. This comprises daily delta testing, quarterly vulnerability testing and annual penetration testing. Reports are received as soon as available and work to correct issues found is prioritised based on risk.; We operate a 24/7 Operations Bridge which monitors services and operational incidents so we can respond as quickly as possible.
• Incident management type: Supplier-defined controls
• Incident management approach: PayPoint is registered for ISO27001 and is PCI compliant. In the event of an incident, we will notify our clients via e-mail. If Users identify an incident, they should contact their Account Manager or the Operations bridge if outside core hours. PayPoint provide incident reports via e-mail where appropriate.
• Post-quantum cryptography secure: Yes

Secure development

• Approach to secure software development best practice: Supplier-defined process

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: 5%
• Between £500,001 and £1,000,000: 5%
• Between £1,000,001 and £2,500,000: 10%
• Between £2,500,001 and £5,000,000: 10%
• Over £5,000,001: 10%

Non-mandatory Standards and certifications

• ISO/IEC 27001 certification: Yes
• Who accredited the ISO/IEC 27001: BSI
• ISO/IEC 27001 accreditation date: Thursday 14 August 2025
• What the ISO/IEC 27001 doesn’t cover: Nothing - All systems, premises, software applications, business processes and operations are covered.
• ISO 28000:2022 certification: No
• ISO 9001 certification: No
• Quality management systems (QMS): No
• CSA STAR certification: No
• PCI certification: Yes
• Who accredited the PCI DSS certification: Foregenix Ltd
• PCI DSS accreditation date: Monday 31 March 2025
• What the PCI DSS doesn’t cover: N/A
• Cyber essentials: Yes
• Please provide your Cyber Essentials Certificate Number: 69ed2453-5dbd-4ec5-888a-f1ebb8f3932d
• Cyber essentials plus: Yes
• Please provide your Cyber Essentials Plus Certificate Number: 90969ad5-7d98-48a3-a811-094726cc4644
• Other security certifications: No

Social value

• Section B - Commitment for Future: Delivery:

  • Mission: Kick start economic growth. To secure the highest sustained growth in the G7 - with good jobs and productivity growth in every part of the country making everyone, not just a few, better off.

    Policy Outcome 1: Fair work: That offers fair wages and good working conditions. Help people get a job, stay in work, and progress in their careers, with good employment opportunities across the country. Notes: Where there is a large proportion of labour costs in the contract, commercial teams should consider MAC in Outcome 1 as a priority

    • Providing opportunities for, and measuring and monitoring of, staff workforce conditions over time, including employee engagement, involvement in decision-making and satisfaction and adapting to any changes in the results, with clear processes for acting on issues identified
    • Activities that support an environment where staff are educated about, and feel empowered to, address their physical wellbeing
    • Activities that support an environment where staff are educated about and feel empowered to report and address bullying and harassment
    • Monitoring and reporting of gender and ethnicity pay gaps and plans to address them where necessary
    • Support for the contract workforce by providing career advice, and providing opportunities for staff working on the contract with in-work progression career development into known skills shortages or high growth areas
    • Volunteering opportunities for staff
    • Understanding of the modern slavery risks and issues affecting the market, industry, sector or country (of origin or of source) relevant to the contract, and the workforce in the supplier’s own organisation and those of its key subcontractors
    • Measures to identify, mitigate and manage modern slavery risks relating to the contract and how these will be implemented
    • Outline policies and practices to be applied to or put in place for the contract to mitigate and manage modern slavery risks, including: Pre-employment checks, recruitment practices. Workplace conditions, safeguarding plans and processes in place and regular monitoring with relevant groups considered, which may include sampling

  • Mission: Kick start economic growth. To secure the highest sustained growth in the G7 - with good jobs and productivity growth in every part of the country making everyone, not just a few, better off.

    Policy Outcome 2: Skills for growth: Supporting growth sectors and addressing skills gaps.

    • Support for educational attainment relevant to the contract, including training schemes that address skills gaps and result in recognised qualifications

  • Mission: Kick start economic growth. To secure the highest sustained growth in the G7 - with good jobs and productivity growth in every part of the country making everyone, not just a few, better off.

    Policy Outcome 3: Resilient, innovative and flexible supply chains: Support economic growth through enabling resilient businesses, opportunities for small businesses and voluntary, community and social enterprises

    • Plans for positive actions with community groups.

  • Mission: Make Britain a clean energy superpower: To cut bills, create jobs and deliver security with cheaper, zero-carbon electricity by 2030, accelerating to net zero

    Policy Outcome 4: Sustainable procurement practices: Reducing carbon footprints, minimising waste, and promoting the use of clean energy and green technologies.

    • Understanding of opportunities for additional environmental benefits delivery in the performance of the contract, including working towards net zero carbon emissions and use of clean energy and green technologies
    • Activities to reconnect people with the environment and increase awareness of ways to protect and enhance it

  • 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

    • Working conditions which promote an inclusive working environment and promote retention and progression
    • Inclusive and accessible development practices, including guidance for line managers on recruiting, managing and developing people with a disability or health condition

  • 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 7: Creating a pipeline of opportunities: For the contract workforce, reducing barriers to entry for under-represented groups.

    • Understanding of issues relating to entering the contract workforce

  • 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

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 nataliegraham@paypoint.com. Tell them what format you need. It will help if you say what assistive technology you use.