AI-Powered Payment & Financial Management Package
Intelligent payment infrastructure for businesses, property portfolios, and service operations — partner and staff payment automation, business banking transaction management, and property mortgage payment coordination, all unified in a single AI-driven dashboard. Delivered through FCA-regulated payment rails with bank-grade encryption, real-time fraud detection, and a full AI audit trail. Monthly management packages from £1,800.
From From £1,800/mo + VAT
AI Payment Automation — Zero Manual Processing
Every recurring payment — partner invoices, staff service fees, contractor disbursements, and property mortgage schedules — configured once, then executed automatically by AI on the correct date, in the correct amount, to the correct account. Payment anomalies, duplicate requests, and threshold breaches are flagged by AI before any funds move. Your team stops chasing payments and starts reviewing the dashboard.
One Dashboard — Every Payment Stream, Live
Partner payments, staff disbursements, business banking transactions, property purchase completions, and mortgage payment schedules — all visible in a single real-time ISA financial dashboard. Every payment status, every reconciliation status, every exception flagged in one place. Exportable for accountants, formatted for HMRC, and archived with a full AI-generated audit trail.
Bank-Grade Security. ISA-Level Intelligence.
All transactions processed through FCA-regulated payment partners on Faster Payments, BACS, and SWIFT rails, with 256-bit end-to-end encryption throughout. Our AI fraud detection engine screens every transaction in under one second — flagging unusual payee patterns, amount anomalies, timing deviations, and account number changes before authorisation is granted. Every suspicious transaction is held and escalated to a human reviewer before release.
All Tiers — Onboarding, KYC & Financial Account Configuration
- Client and entity onboarding — Know Your Customer (KYC) and Know Your Business (KYB) verification completed for all account holders and authorised signatories
- Anti-Money Laundering (AML) screening — all entities, directors, and beneficial owners screened against global sanctions, PEP, and adverse media databases
- Payment account structure designed — accounts configured per business entity, property portfolio, and operational requirement
- FCA-regulated payment partner account opened — Faster Payments, BACS, CHAPS, and SWIFT access established
- Open Banking connections authorised — existing bank accounts linked via PSD2/PSD3 Open Banking API for consolidated transaction visibility
- Authorised signatory and payment approval hierarchy configured — dual authorisation thresholds and role-based access controls set
- AI fraud baseline established — normal payment patterns profiled per entity to enable anomaly detection from day one
- Security protocols deployed — MFA enforced on all accounts, device management and IP whitelisting configured
All Tiers — AI Payment Automation & System Integration
- Payment automation engine deployed — recurring payments scheduled, variable payments configured with AI rule-sets, one-off payments set up with approval workflows
- Payee verification AI activated — every new payee account verified against bank-grade Confirmation of Payee (CoP) before first payment is released
- AI fraud detection engine live — real-time transaction screening for anomalies, duplicate payments, round-amount patterns, and velocity checks
- Accounting system integration — Xero, QuickBooks, or Sage connected via API; transactions automatically categorised and reconciled on posting
- ERP and CRM integration where applicable — payment status fed back into client management and operational systems
- Payment notification system configured — automated status alerts to relevant stakeholders on payment initiation, processing, and settlement
- Exception management workflow configured — failed, rejected, or flagged payments automatically escalated with resolution instructions
- Full audit trail activated — every payment event, approval decision, and system action logged with timestamp and user identity
All Tiers — Partner & Staff Payment Management
- Service partner payment structure configured — invoicing schedule, approval workflow, and payment terms per partner relationship set up in the platform
- AI invoice matching — partner invoices automatically matched against agreed service rates and contracts; discrepancies flagged before payment is approved
- Staff service fee disbursement automated — payment schedules for contractors, field operatives, and service staff configured per agreement terms
- PAYE and self-employed payment differentiation — payments routed correctly per worker classification; IR35 considerations documented
- International partner payments managed — SWIFT and multi-currency disbursements processed with live FX rate optimisation
- Payment approval workflow enforced — all partner and staff payments above configurable thresholds require dual authorisation before release
- Supplier payment performance dashboard — days payable outstanding (DPO), early payment discount tracking, and supplier relationship health visible
- Year-end payment reporting — all partner and staff payment data formatted for accountant and HMRC submission
All Tiers — Property Transaction & Mortgage Payment Coordination
- Property purchase payment coordination — deposit, exchange, and completion payment schedules configured and managed in alignment with solicitor and lender milestones
- Mortgage payment schedule management — standing payment instructions configured per property, amounts and dates maintained as lender schedules change
- AI mortgage payment monitoring — every scheduled mortgage payment tracked to confirmation of settlement; missed or failed payments flagged immediately with escalation to client and lender
- Multi-property payment dashboard — all mortgage accounts, lenders, payment dates, balances, and reconciliation status visible in one view
- Rental income reconciliation — incoming rental payments matched against property addresses and tenancy schedules; arrears flagged automatically
- Solicitor and conveyancer payment coordination — completion funds, SDLT payments, and legal fee disbursements managed with full audit documentation
- Service charge and ground rent payment management — leasehold obligations tracked and paid on schedule
- Property transaction reporting — full payment history per property, formatted for mortgage lenders, accountants, and portfolio investors
Business & Enterprise — Multi-Banking, FX & Advanced Reconciliation
- Multi-bank account management — all banking relationships consolidated into single ISA dashboard via Open Banking; balances, transactions, and forecasts unified
- Cash flow forecasting AI — 13-week rolling cash flow model generated from scheduled inflows and outflows, updated daily
- FX exposure management — multi-currency transactions monitored; AI flags adverse exchange rate movements and suggests forward cover timing
- Batch payment processing — high-volume partner and staff payments processed in validated batch files; BACS Direct Credit fully managed
- Advanced reconciliation engine — AI auto-reconciles bank statements against internal ledger daily; unmatched items surfaced for human review with suggested resolution
- Virtual account structure — dedicated virtual IBANs assigned per client, property, or project for clean funds segregation and instant reconciliation
- Treasury management reporting — idle cash analysis, yield optimisation on surplus balances, and liquidity position reported monthly
- Multi-entity consolidated reporting — group-level payment position across all legal entities in a single consolidated view for board and investor reporting
Business & Enterprise — AI Compliance, Audit Trail & Regulatory Reporting
- Continuous AML transaction monitoring — every transaction screened against updated sanctions lists, PEP databases, and adverse media feeds in real time
- Suspicious Activity Report (SAR) workflow — AI flags transactions meeting reporting thresholds; ISA compliance team reviews and files with NCA where required
- Full payment audit trail — immutable, timestamped record of every transaction, approval, amendment, and access event; exportable for FCA, HMRC, or legal proceedings
- GDPR-compliant data management — all financial data encrypted at rest and in transit, data retention policies enforced, subject access request process documented
- HMRC compliance reporting — payment data formatted for Making Tax Digital (MTD) submission, self-assessment support documentation, and VAT reconciliation
- Annual financial controls review — payment authorisation hierarchy, fraud detection rule-sets, and access controls reviewed and updated
- Regulatory change management — payment platform updated automatically as PSD, AML, and HMRC regulations change; client advised of any required process changes
- Dedicated ISA compliance contact — senior review of any payment dispute, regulatory query, or fraud incident with documented resolution
Essentials — Single Entity
From £1,800/mo
+ VAT
Business — Multi-Partner & Properties
From £4,500/mo
+ VAT
Enterprise — Full Portfolio
Bespoke from £9,500/mo
+ VAT
Pricing varies by scope and property/organisation size. All prices exclude VAT.
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