Allpay
- Company typePrivate
- Founded1994
- HeadquartersHereford, United Kingdom
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
Allpay firmographics
Firmographics- Name
- Allpay
- Legal name
- allpay Limited
- Website
- https://allpay.net
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Allpay industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Utility & Municipal Billing Platforms (FSAMAJAG)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Recurring Billing & AutoPay Management (FSAMAJAE), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
Keywords
Where Allpay is headquartered
LocationHeadquarters
- HQ city
- Hereford
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Allpay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Payment Processing and Transaction Fees: Revenue generated from processing payments across multiple channels including cash over-the-counter, card payments, direct debits, and online payments. Transaction fees are charged per payment processed on behalf of housing associations, local authorities, and other public sector clients.
- Prepaid Card Services: Revenue from prepaid card platform services for government and organisational disbursement programmes, including card issuance and fund loading fees
- Managed Services and Software Platform: Monthly or annual fees for access to the cloud-based payment platform including Direct Debit management, reporting, and administrative tools
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Enterprise pricing for large housing associations and local authorities |
| Subscription | Monthly | Payment Gateway quick onboarding |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Allpay product offering
Product offeringCore offering
allpay operates a cloud-based payment platform that processes bill payments, direct debits, card payments, Open Banking payments, and prepaid card disbursements on behalf of UK public sector organisations. The platform unifies cash, card, direct debit, and Pay by Bank channels in a single integrated solution, supported by an over-the-counter cash network spanning Post Office, Payzone, and PayPoint. The company also issues prepaid Mastercard cards for targeted fund disbursement programmes such as NHS Wales gluten-free food support and the DOSH unbanked-adults product.
Product overview
allpay is a UK-based public sector payment company offering a platform-plus-modules architecture spanning three core areas: Payments (collection of funds), Disbursements (distribution of funds), and Data & Analytics. The Payments division includes Direct Debit, Cash Payments (OTC), Credit & Debit Card Acceptance (covering call centre/Callpay, IVR/phone, text, and online/gateway channels), and the newly launched Pay by Bank (Open Banking). The Disbursements division covers Prepaid Cards (including the DOSH sub-brand), Cash Payout, and Cash Payout NOW!. A Data & Analytics module provides customer account management and reporting. The Payments Hub serves as the unified business portal for managing all channels, while allpayments is the consumer-facing app. Additional feature modules include Pay-by-Link, Pay-by-Link Plus, Branded Gateway, and Text Payments. The company operates a network model, integrating with Post Office, Payzone, and PayPoint for OTC cash services, and partnering with Voicescape for automated arrears engagement and Eckoh for secure phone payment masking.
Differentiator
Problem solved
Functional benefit
Brands
- DOSH: Prepaid Mastercard card and app designed for adults excluded from conventional banking services
- MyDOSH
- allpayments
- Pay by Link
- Callpay
- Pay by Bank
- Cash Payout
- Direct Debit
Products and services
- Direct Debit
- Cash Payments (Over-the-Counter)
- Credit & Debit Card Acceptance
- Pay by Bank
- Prepaid Cards
- Cash Payout
- Pay-by-Link
- Callpay
Quantifiable outcome
- ForHousing processed 396,000+ payments and £79 million in 2025
- +5 more outcomes
Companies that use Allpay
Customer profileNamed customers13 records
Segments5 records
Ideal customer profiles3 records
Allpay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature6 records
Allpay partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- MastercardcoreCo-branded prepaid card partnership enabling DOSH card and NHS Wales prepaid Mastercard programmes. allpay acts as card issuer and programme manager with Mastercard as the card network.
- EckohcoreExclusive reseller agreement for PCI DSS compliant contact centre solutions including DTMF tone masking Call Masking technology integrated with allpay's Callpay virtual terminal.
- BarclayscoreBanking partner providing Pay by Bank Open Banking capabilities as part of allpay's payment solution portfolio.
- VoicescapecoreStrategic partnership for collections automation integrated with Pay-by-Link solution. Voicescape's engagement platform combined with allpay's payment processing for housing arrears management.
- Post OfficecoreCash payment collection network allowing customers to pay rent and bills at Post Office branches nationwide.
- PayzonecoreCash payment collection network providing over-the-counter payment services for rent and bill payments.
- PayPointcoreCash payment collection network with thousands of retail outlets across the UK for bill and rent payment collection.
Scale indicators9 records
Recent moves7 records
Expansion highlights6 records
Allpay competitors and assessment
Company assessmentDirect peers
- Access PaySuite (Pay360): Access PaySuite (formerly Pay360) is a UK-based payment solutions provider serving local authorities, housing associations, and the public sector with similar bill payment, direct debit, and prepaid card capabilities. It is the most direct competitor in allpay's core vertical.
- Bottomline Technologies: Bottomline provides bill payment, Bacs-approved direct debit, and payment automation solutions to UK corporates and public sector organisations. It competes directly in the Bacs bureau and direct debit services space.
- Trust Payments: Trust Payments is a UK-headquartered payment service provider offering card processing, online payment gateway, and omnichannel solutions for SMB and enterprise customers. It competes in card payment processing and PCI DSS compliance services similar to allpay.
- Opayo (formerly Sage Pay): Opayo (formerly Sage Pay) is a UK payment gateway and card processor serving SMBs and enterprises with online, phone, and integrated payment solutions. It competes in the same UK card payment acceptance space as allpay.
Broad incumbents
- Capita (Public Service Payments): Capita is a large UK business process outsourcing and professional services company that handles payment processing for local authorities and central government. It is a broad incumbent offering overlapping bill payment services as part of a much wider portfolio.
- PayPoint: PayPoint operates a UK retail network of over 28,000 outlets for bill payment, top-ups, and cash services. While both a partner and partial competitor, PayPoint also processes payments for utilities and housing, competing with allpay in the cash payment collection layer.
- Worldpay: Worldpay is one of the largest global payment processors, offering card acceptance, gateway services, and omnichannel payment solutions. It serves UK merchants and public sector organisations as a broad incumbent with overlapping card payment capabilities.
Others
- ClearBank: ClearBank is a UK clearing bank providing banking-as-a-service infrastructure, including payment processing and open banking capabilities. While a current allpay partner for banking services, it operates adjacent infrastructure that could evolve into a competing payment platform.
- Voiceflow/Voicescape: Voicescape provides automated collections and engagement platforms integrated with allpay's Pay-by-Link solution. As a current integration partner in housing arrears management, it represents an adjacent collections technology provider in the same vertical.
Emerging players
- Modulr: Modulr is a UK-based Payments-as-a-Service provider enabling embedded payments, payouts, and account-to-account transactions via APIs. It competes in the disbursements and embedded payment infrastructure space adjacent to allpay's prepaid card business.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Allpay social profiles
Digital presenceAllpay compliance and trust
Trust signalCompliance9 records
Allpay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Allpay leadership team
Management profileNumber of profiles
Profiles8 records
Allpay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Allpay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Allpay
What does Allpay do?
allpay operates a cloud-based payment platform that processes bill payments, direct debits, card payments, Open Banking payments, and prepaid card disbursements on behalf of UK public sector organisations. The platform unifies cash, card, direct debit, and Pay by Bank channels in a single integrated solution, supported by an over-the-counter cash network spanning Post Office, Payzone, and PayPoint. The company also issues prepaid Mastercard cards for targeted fund disbursement programmes such as NHS Wales gluten-free food support and the DOSH unbanked-adults product.
Is Allpay a public or private company?
Allpay is a private company. It is classified as unknown and is currently operating.
When was Allpay founded?
Allpay was founded in 1994. It employs 251 to 500 people.
Where is Allpay based?
Allpay is headquartered in Hereford, United Kingdom, in the Europe region.
How does Allpay make money?
Three revenue lines are on record. Payment Processing and Transaction Fees are the primary driver. The others are prepaid Card Services and managed Services and Software Platform.
Who are Allpay's main competitors?
Direct peers on record are Access PaySuite (Pay360), Bottomline Technologies, Trust Payments and Opayo (formerly Sage Pay). Broad incumbents are Capita (Public Service Payments), PayPoint and Worldpay. Others are ClearBank and Voiceflow/Voicescape. Modulr is listed as an emerging player.
Does Allpay have an API?
Yes. Allpay exposes a Card Payment API that enables housing providers to embed payment capabilities into existing digital platforms, allowing tenants to make rent payments through integrated digital journeys. API-based integrations are used to connect allpay\u2019s payment channels (Pay-by-Link, direct debit, card processing) with housing management systems and third-party platforms. Specific API documentation or developer portal URL not identified in source materials.
What industry is Allpay in?
Allpay's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMAJAG, Utility & Municipal Billing Platforms, with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 52232 and its SIC code is 6199.