Eazipay

What Eazipay does

Eazipay is a UK-based Direct Debit payment services provider, now operating under the Access PaySuite brand following its April 2021 acquisition by The Access Group. The company delivers a cloud-based payment platform that consolidates multiple payment rails into a single offering: UK BACS Direct Debit, SEPA Direct Debit, card processing, payment gateway, Open Banking Payments, phone, face-to-face, and on-demand payments. The platform also layers revenue-maximisation modules covering fraud and risk management, KYC/identity verification, income management, and merchant cash advance. Sub-brands Pay360, Smart Debit, and Eazipay sit underneath the Access PaySuite umbrella, with integrations into Xero and Zapier extending workflow reach.

Eazipay generates revenue through transaction-based fees starting at 4p per transaction with no setup fees, with tailored pricing for high-volume and public-sector customers. Distribution is consultative direct sales supported by a self-serve customer success portal, and the company is authorised and regulated by the Financial Conduct Authority as a Payment Institution (FRN: 730815) with BACS Approved Bureau status. It serves over 6,000 organisations across UK verticals including local authorities (Blackpool, Somerset, BCP, Babergh & Mid-Suffolk councils), NHS Trusts, housing associations (Karbon Homes), telecoms (ASDA Mobile), retail, utilities, insurance, finance, education, gyms, and not-for-profit organisations. Customer satisfaction signals are strong, with a 4.5/5 Trustpilot rating across 365 reviews and an NPS of 56+, while AI-driven payment insights and predictive analytics form an emerging positioning layer atop the core processing business.

Name

Eazipay

Legal name

Eazipay Limited

Website

https://eazipay.co.uk

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Eazipay is a UK-based payment services provider (now Access PaySuite) offering Direct Debit, card, Open Banking, and multi-channel payment processing to over 6,000 organisations across housing, local government, NHS, telecoms, and commercial sectors.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

akta.pro secondary industry

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

Keywords

• Direct Debit services
• Payment processing platform
• Open Banking payments
• Recurring payment collection
• Multi-channel payment solutions

Headquarters

HQ city

Ely

HQ country

United Kingdom

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Direct Debit Transaction Fees: Transaction-based fees charged for Direct Debit payment processing. The company charges transaction fees starting from 4p per transaction with no setup fees.
2. Payment Processing Services: Fees for online payments, Open Banking Payments, phone payments, and face-to-face payment processing across various channels.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Eazipay (now operating as Access PaySuite) provides cloud-based payment processing services for UK businesses, with a core focus on Direct Debit collections and an expanding multi-channel payment platform. The platform supports Direct Debit (UK BACS and SEPA), online card payments, Open Banking Payments, phone payments, face-to-face payments, and on-demand payments, alongside revenue maximization modules (Fraud and Risk Management, Identity Verification, Income Management, Merchant Cash Advance). Pricing is transaction-based with no setup fees, starting from 4p per transaction.

Product overview

Access PaySuite is a unified cloud-based payment platform that consolidates multiple payment solutions under one roof. Originally built around Eazipay's Direct Debit services, the platform now encompasses a comprehensive portfolio including Direct Debit (UK BACS and SEPA), Online Payments, Open Banking Payments, Payment Gateway, Phone Payments, Face-to-Face Payments, Multi-Channel Payments, and On-Demand Payments. Revenue maximization is supported through add-on modules for Fraud and Risk Management, Identification and Verification, Income Management, and Merchant Cash Advance. The platform is available under multiple sub-brands (Eazipay, Pay360, Smart Debit) and is positioned for businesses across finance, healthcare, local government, housing, telecoms, insurance, retail, and utilities sectors. It is authorized and regulated by the Financial Conduct Authority as a Payment Institution (Firm Reference Number: 730815).

Differentiator

Problem solved

Functional benefit

Products and services

• Access PaySuite Complete cloud-based payment platform consolidating Direct Debit, online payments, Open Banking, phone payments, face-to-face payments, multi-channel payments, and revenue-maximization modules for UK businesses across all sectors.
• Direct Debit Core Direct Debit payment solution enabling UK businesses to collect recurring payments securely through the UK Direct Debit scheme with BACS processing. Available across all sectors for automated recurring payment collection.
• SEPA Direct Debit European SEPA Direct Debit solution for collecting Euro-denominated recurring payments across SEPA countries. Enables businesses to collect cross-border recurring payments in Euros.
• Online Payments Online card payment processing solution enabling businesses to accept payments through websites and digital channels, including payment gateway services for e-commerce transactions.
• Payment Gateway Merchant payment gateway providing secure online transaction processing, card data handling, and connection to payment networks for businesses accepting digital payments.
• Card Processing Card payment processing services enabling businesses to accept and process credit and debit card transactions across online, retail, and remote channels.
• Open Banking Payments Payment solution leveraging Open Banking APIs to enable secure bank-to-bank payments directly from customer accounts, bypassing card networks for seamless direct account transactions.
• Phone Payments Payment processing solution for telephone-based transactions, enabling businesses to accept card payments securely over the phone with payment handling compliant with PCI requirements.
• Face to Face Payments In-person payment processing solution for retail and counter environments where customers pay physically at point of sale or service counters.
• Multi-Channel Payments Unified payment solution accepting transactions across multiple channels (online, phone, face-to-face) from a single platform with consolidated reporting and reconciliation.
• On-Demand Payments Variable and ad-hoc payment collection solution enabling businesses to request and collect payments on-demand rather than on fixed recurring schedules, supporting ad-hoc invoicing and irregular billing cycles.
• Fraud and Risk Management Standalone fraud detection and risk management service to identify and prevent fraudulent payment transactions, protect revenue, and reduce chargebacks for businesses processing payments.
• Identification and Verification Standalone identity verification and KYC service enabling businesses to verify customer identities during payment onboarding, supporting compliance and fraud prevention.
• Income Management Standalone income reconciliation and management solution helping businesses track, reconcile, and manage incoming payment streams and revenue across multiple channels.
• Merchant Cash Advance Standalone revenue-based financing product providing businesses with advance capital based on their payment processing volume, supporting working capital needs.
• Pay360 Sub-brand under Access PaySuite offering cloud-based payment solutions, serving as one of the integrated payment brands alongside Eazipay and Smart Debit.
• Smart Debit Sub-brand under Access PaySuite providing Direct Debit services, integrated into the Access PaySuite platform following acquisition by The Access Group.

Quantifiable outcome

• Cut £200k in rental arrears for Karbon Homes
• +4 more outcomes

Named customers8 records

Segments12 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• XerocoreTechnology or IntegrationXero is listed as an integration partner on the Access PaySuite partnerships page, enabling accounting software integration with payment processing solutions.
• ZapiercoreTechnology or IntegrationZapier is listed as an integration partner, enabling automated workflow connections between Access PaySuite payments and other business applications.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• GoCardless: UK-headquartered specialist in Direct Debit and recurring bank-to-bank payments, serving over 85,000 businesses globally. The most direct competitor to Eazipay on UK BACS Direct Debit collection, with overlapping SMB and enterprise segments.
• Stripe: Global online payment processor offering card acceptance, ACH Direct Debit in the US, and increasingly Open Banking in the UK. Competes with Access PaySuite's Online Payments, Payment Gateway, and card processing modules for UK SMB and enterprise volume.
• Checkout.com: Global payment processor with a strong UK and European footprint, focused on enterprise merchants and online card processing plus alternative payment methods. Competes directly with Access PaySuite's Online Payments, Payment Gateway, and Card Processing products.
• TrueLayer: UK-based Open Banking payments and data network enabling account-to-account payments and instant payouts. Overlaps with Access PaySuite's Open Banking Payments product and competes for UK merchants seeking A2A payment modernisation.
• Tink: Open Banking platform owned by Visa, providing account-to-account payments, data, and verification across Europe. Directly overlaps with Access PaySuite's Open Banking Payments offering and is a credible alternative for UK and European merchants.
• Payit by NatWest: Bank-owned UK Open Banking and digital payments service from NatWest, enabling account-to-account payments, bill pay, and request-to-pay flows. Directly comparable to Access PaySuite's Open Banking Payments and Bill Pay capabilities, with strong distribution into UK businesses.

Broad incumbents

• Worldpay: One of the largest global merchant acquirers and payment processors, with strong UK presence across card acquiring, gateway, and alternative payment methods. Overlaps with Access PaySuite's multi-channel payment acceptance and serves similar enterprise and public sector merchants.
• Adyen: Global unified payments platform providing card acquiring, online, and in-person payment processing for large enterprises. Competes with the broader Access PaySuite stack for enterprise merchants operating across multiple channels and geographies.
• PayPal: Global digital payments incumbent offering online checkout, digital wallets, and increasingly Open Banking and A2A flows in Europe. Competes across multiple Access PaySuite products including online payments, multi-channel acceptance, and alternative payment methods.
• Block (Square): Multi-channel commerce and payments provider offering card acceptance, in-person POS, online checkout, and banking services. Overlaps with Access PaySuite's Face-to-Face, Online Payments, and multi-channel propositions, particularly in the SMB segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Eazipay
• Facebookfacebook.com/Eazipay
• LinkedInlinkedin.com/company/eazipay-ltd

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

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 Eazipay