Pre-launch beta — tPay365 is not live yet. We're inviting UK employers and partners into early access.
How it works
Obligations handled at the payroll layer, before money becomes spendable. Everything downstream follows from that.
A pattern 80 years in the making
PAYE and auto-enrolment did not ask people to remember later. They changed the sequence. tPay365 applies that source-first logic to the obligations that shape everyday financial anxiety.
PAYE
Tax deducted before pay became spendable. Government removed the choice entirely: systemic failure solved at source.
Auto-enrolment
Pension contributions automated at source. Same logic: do not wait for voluntary action. Change the default.
tPay365
Bills automated at source. The same source-first logic applied to rent, council tax, debt, and savings.
The flow
The important part is not another budgeting interface. It is the order of operations between payroll and spendable money.
Payroll unchanged
The employer runs payroll as normal. Payroll calculations, schedules, and providers are unchanged. tPay365 is downstream routing infrastructure, not a payroll engine replacement.
Obligations settled
Salary routes through FCA-regulated banking partner infrastructure. The employee's obligations are allocated and settled from the salary flow before everyday spending begins.
Clean Paycheck
What lands in the employee's account is a Clean Paycheck. Every obligation has already been handled. The visible balance is the truth.
The difference
Without tPay365, the account balance is a temporary fiction until direct debits catch up. With tPay365, the day-one number already accounts for the commitments that matter.
You spent thinking you had GBP 3,200. You had GBP 1,700. Nobody told you that number on day one.
Q4 2026 employer pilots
Building toward employer pilots and selective about first partners.
