Allpay

Name

Allpay

Legal name

allpay Limited

Website

http://www.allpay.net/

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

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

• Payment processing services
• Prepaid card disbursement
• Direct debit collection
• Open banking payments
• Public sector payments

Headquarters

HQ city

Hereford

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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.
2. Prepaid Card Services: Revenue from prepaid card platform services for government and organisational disbursement programmes, including card issuance and fund loading fees
3. 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

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core 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

Named customers13 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core.

• MastercardcoreTechnology or IntegrationCo-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.
• EckohcoreTechnology or IntegrationExclusive reseller agreement for PCI DSS compliant contact centre solutions including DTMF tone masking Call Masking technology integrated with allpay's Callpay virtual terminal.
• BarclayscoreTechnology or IntegrationBanking partner providing Pay by Bank Open Banking capabilities as part of allpay's payment solution portfolio.
• VoicescapecoreTechnology or IntegrationStrategic 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 OfficecoreChannel Partner/ Reseller/ DistributorCash payment collection network allowing customers to pay rent and bills at Post Office branches nationwide.
• PayzonecoreChannel Partner/ Reseller/ DistributorCash payment collection network providing over-the-counter payment services for rent and bill payments.
• PayPointcoreChannel Partner/ Reseller/ DistributorCash 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

Direct 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

• Xx.com/allpay_payments
• Facebookfacebook.com/allpayltd
• LinkedInlinkedin.com/company/72115

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

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 Allpay