What AccessPay does

AccessPay (legally Access Systems (UK) Limited) is a Manchester-based SaaS provider of corporate bank integration and payments automation software, founded in 2012. The platform connects corporate back-office systems (ERP, TMS, HCM) to over 16,000 banks globally, supporting payment submission and Direct Debit collections across BACS, Faster Payments, CHAPS, SWIFT, and SEPA schemes, with native ISO 20022 readiness. Its product suite is anchored by a central Payments Automation Platform, complemented by a Cash Management module (real-time visibility, automated sweeping, mobile approvals), a Fraud & Error Prevention Suite (Account Name Verification/Confirmation of Payee, Sanctions Screening, Payment Screening), and ERP-native bank statement feed modules for Sage, Oracle NetSuite, and Microsoft Dynamics 365. The platform holds BACS-Approved Software and Bureau status, SWIFT Compatible Application certification, Faster Payments approval, G-Cloud listing, Cyber Essentials Plus, and ISO certification.

AccessPay serves over 1,000 enterprise customers globally, including named references in media (ITV, managing 300 entities across 20 countries), insurance (Admiral Insurance, Healthshield), manufacturing (NSG Group/Pilkington), banking (Sainsbury's Bank, Allica Bank, Darlington Building Society), financial services (Together, Omni Capital, Caledonia Investments, Paysafe), construction (Willmott Dixon), hospitality (Village Hotel Club), real estate (Maria Mallaband), nonprofit (Amnesty International), and public sector (North Tyneside Council). Documented customer outcomes include 25 hours/week saved at ITV, 95% faster reconciliation, 2 hours/day saved at Admiral, and 30% time reduction in payment processing. In March 2026, Accel-KKR acquired a majority stake (terms undisclosed) to fund strategic acquisitions, product development, and enterprise scaling; Johan Jardevall was appointed CEO in June 2026, with founder Anish Kapoor transitioning to Chairman.

The business model is SaaS subscription with apparent transaction/usage-based components (per customer references to "transaction fees" and scalable pricing) and professional services for implementation and treasury consultancy, priced on custom annual contracts. Go-to-market is direct enterprise field sales targeting CFOs and Treasury Directors, supported by content marketing, vertical-specific solutions pages, and an inside-sales motion for mid-market. In March 2026, the company employed 130+ people and operates with headquarters in Manchester, UK, and disclosed US/global operating geographies.

Name

AccessPay

Legal name

Access Systems (UK) Limited

Website

http://www.accesspay.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

AccessPay is a UK-based SaaS platform that connects corporate back-office systems (ERP, TMS) to over 16,000 banks globally, automating payments, cash management, and fraud prevention for 1,000+ enterprise customers across insurance, banking, media, and other verticals.

Ownership category

akta.pro rank

Product category

Corporate Payments Automation & Bank Integration Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industry

Recurring Billing & AutoPay Management (FSAMAJAE)

Keywords

• Bank integration platform
• Payments automation
• Corporate treasury software
• Cash management SaaS
• ERP bank connectivity

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Platform Subscription: AccessPay operates as a SaaS platform providing bank integration and payment automation services. The company generates revenue through subscription fees for platform access, likely tiered by transaction volume, number of bank connections, or feature modules. Based on website references to 'pricing packages available for all businesses small and large' and 'transaction fees' mentioned in customer quotes, the model appears to include transaction-based components alongside subscription tiers.
2. Transaction/Usage-Based Fees: Customer testimonial from Admiral Insurance mentions 'we don't have to worry about future transaction fees, it scales with us.' This suggests a potential per-transaction pricing component or inclusion of transaction costs within the pricing structure. The platform processes payment files and Direct Debit collections at scale.
3. Professional Services: Implementation and consulting services for bank integration projects, ERP migrations, and treasury transformation programs. The company offers dedicated customer success approach and treasury consultancy services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

AccessPay is a SaaS platform that connects corporate back-office systems (ERP, TMS, HCM) to banks globally, automating payment processing across BACS, CHAPS, Faster Payments, SWIFT, and SEPA. The platform provides real-time cash visibility, automated bank statement retrieval and reconciliation, and embedded fraud prevention tools including Confirmation of Payee, Sanctions Screening, and Payment Screening. It serves finance and treasury teams at enterprises managing multi-bank, multi-entity, multi-currency operations.

Product overview

AccessPay is a unified corporate payments automation and bank integration platform (Software-as-a-Service) that connects corporate back-office systems (ERP, TMS, HCM) directly to banks for end-to-end payments automation, cash management, and financial data transformation. The platform is organized around a central Payments Automation Platform (supporting BACS, CHAPS, Faster Payments, SWIFT, SEPA, and Direct Debit) backed by a Bank Connectivity layer that connects to over 16,000 banks globally. Adjacent modules cover Cash Management (real-time cash visibility, sweeping, and liquidity optimization), a Fraud & Error Prevention Suite (Account Name Verification/CoP, Sanctions Screening, Payment Screening), and Compliance solutions (ISO 20022, Operational Resilience, UK SOx). ERP integrations include Sage, Oracle NetSuite, and Microsoft Dynamics 365 via native bank statement feed modules. The platform is designed for CFOs and treasury teams in multi-banked, multi-entity enterprise environments, with a focus on finance transformation, AI readiness, and ISO 20022 migration.

Differentiator

Problem solved

Functional benefit

Products and services

• Payments Automation Platform Central corporate payments automation platform enabling upload, review, approval, and sending of transaction files across all payment types (BACS, CHAPS, Faster Payments, SWIFT, SEPA, Direct Debit) through a single unified interface connected to banks.
• Cash Management Cash visibility and cash flow optimization module providing real-time consolidated views of cash positions across all banks, entities, and currencies, with automated sweeping, liquidity threshold management, and mobile approval features.
• Fraud & Error Prevention Suite Embedded risk mitigation suite protecting payments from fraud and human error through real-time screening and verification tools, including Account Name Verification (Confirmation of Payee), Sanctions Screening against external watchlists, and configurable Payment Screening with smart rules.
• Bank Connectivity Core connectivity layer enabling seamless connection between corporate back-office systems (ERP, TMS, HCM) and banks, supporting over 16,000 banks globally through H2H, SWIFT Alliance Lite 2, SFTP, and Open Banking methods.
• Bank Statement Retrieval & Auto-Reconciliation Automated bank statement retrieval and reconciliation module providing native integrations with Sage, Oracle NetSuite, Microsoft Dynamics 365, and Open Banking-based alternatives for structured statement data and auto-reconciliation.
• Compliance Solutions Suite of compliance modules including ISO 20022 messaging readiness, Operational Resilience controls for payment system continuity, and UK SOx compliance support with payment controls, audit trails, and segregation of duties.
• Finance Transformation Services Consultancy and professional services embedding bank integration within ERP migration and finance transformation projects, led by the Treasury Consultancy practice providing implementation support and treasury modernization guidance.

Quantifiable outcome

• 30% time reduction in payment processing
• +4 more outcomes

Named customers16 records

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability4 records

Feature6 records

Partnerships

One partnership is on record.

• PayPointcoreTechnology or Integration · 1 March 2026Partnership to integrate Confirmation of Payee (CoP) capabilities into AccessPay's payments automation platform. Enables customers to verify payee account details before fund transfers to address authorized push payment (APP) fraud. The service became available in 2025, providing fraud and error protections while reducing payment resubmissions and manual intervention. UK Finance reported £258 million in losses from APP fraud during H1 2025.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Plaid: Plaid is an open banking data network and bank connectivity platform; while primarily consumer-focused, its enterprise expansion into corporate bank connectivity represents an emerging competitive threat to AccessPay's connectivity layer.
• Modern Treasury: Modern Treasury provides a developer-first payments operations platform with bank connectivity and reconciliation for corporates — an emerging competitor with API-led architecture that targets a similar enterprise treasury buyer but with a more modern tech approach.
• Trovata: Trovata is a cloud cash management and treasury analytics platform leveraging Open Banking for bank connectivity — a partial competitor addressing the same cash visibility and forecasting pain points with an open banking approach.
• Cashforce: Cashforce is a European-based cash flow forecasting and treasury management platform that addresses similar mid-market and enterprise treasury pain points as AccessPay, with comparable target buyer profiles.

Direct peers

• Kyriba: Kyriba is a leading cloud treasury and finance solution with built-in bank connectivity, payment workflows, and cash management — overlapping with AccessPay across mid-market and enterprise treasury buyers.
• Bottomline Technologies: Bottomline is a direct competitor providing corporate bank connectivity, payment automation, and confirmation of payee solutions to enterprise treasury teams across the UK, US, and globally — closely matching AccessPay's product set and target buyer.
• GTreasury: GTreasury provides treasury management software with embedded bank connectivity, cash visibility, and payment hub capabilities — a direct competitor in the enterprise treasury and payments automation category.
• TIS (Treasury Intelligence Solutions): TIS offers a SaaS platform for global bank connectivity, payment processing, and cash management for corporates, competing head-to-head with AccessPay in multi-bank enterprise treasury transformation projects.

Broad incumbents

• ACI Worldwide: ACI Worldwide is a large incumbent payments software provider offering real-time, bulk, and corporate payment processing — broadly competing with AccessPay at the larger end of the corporate payments market.
• SAP (S/4HANA Treasury): SAP's S/4HANA Treasury and embedded bank connectivity capabilities represent a broad incumbent threat — as more corporates migrate to S/4HANA, native ERP-side treasury functionality may displace third-party middleware like AccessPay.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/2776932
• Xx.com/Access_Pay
• Facebookfacebook.com/Accesspay

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds9 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AccessPay