Revenue railtPay365 enabled
failure risk
lowerLTV lift target
+38%rail type
income-linkedpartners
The provider gateway
Stop chasing payments.
tPay365 gives partners a salary-linked route for recurring obligations, reducing the fragility of cards and direct debits while keeping customers in control.
Connected infrastructure
Payroll, banking and providers on one route.
tPay365 sits between payroll and the bank account. We partner with HRIS platforms, banking providers and service companies to make that payroll layer work for everyone.
Integration map
One payroll route, multiple partner edges.
Payroll inputs
01Employer
HRIS / Payroll
BACS file
tPay365 orchestration
02Rules
Vault routing
Audit trail
Consent, routing and audit sit in the middle.
Partner outputs
03Bank account
Banking partner
Service providers
Payroll input
Employer and HRIS events define what money is available.
tPay365 route
Agreed obligations are sequenced before everyday spending.
Partner output
Banking and service partners receive clearer settlement signals.
Partnership tracks
Three ways to partner.
Each track connects to the same payroll-layer orchestration, but with different data, regulatory and go-to-market requirements.
HRIS & Payroll
Connect payroll platforms to obligation-first routing through payroll events, employee sync, and optional deduction instructions.
What we need
- Payroll event webhooks or batch export
- Employee data sync
- Deduction instruction acceptance where available
What you get
- Financial wellbeing feature without building it
- Co-marketing and integration badge
- Reduced employer churn risk
Supported: BACS Standard 18, CSV, API webhook
Banking & EMI
Provide regulated account infrastructure for safeguarded funds, payment execution, segregation, and future yield arrangements.
What we need
- Segregated account provisioning
- Safeguarded e-money accounts
- Payment execution APIs
What you get
- Payroll-linked deposit inflow
- Platform-level distribution
- Clean compliance story
Built for regulated banking partner infrastructure
Service Providers
Landlords, utilities, subscription companies and billers can be paid from salary-linked vaults instead of fragile card rails.
What we need
- Receiving account details
- Optional API for settlement visibility
- Provider identity verification
What you get
- Lower payment failure risk
- Lower involuntary churn
- Accepts tPay365 trust signal
Connection: tPay_ID no-code route or API
The problem
Payment rails fail even when customers want to stay.
Expired cards, replaced wallets and insufficient funds turn willing customers into involuntary churn. tPay365 moves the recurring obligation closer to income, before everyday spend drains the balance.
Payment declined
Users wanted to stay. The payment rail failed.
Integration
Flexible integration. Stronger revenue reliability.
Partners can connect deeply through API flows or start with a no-code tPay_ID route while commercial and technical fit matures.
Option A
API integration
Embed a Connect with tPay flow into checkout, onboarding or billing settings.
Best for
Streaming platformsEnterprise SaaSUtilities
Option B
tPay_ID route
Accept a stable customer tPay_ID for provider routing without a full product build.
Best for
Local gymsSmaller SaaSFreelancers
User experience
Frictionless for them. Stronger for you.
The customer connects a provider once. The obligation is then accounted for in the salary sequence instead of being left to card retries and reminder emails.
Add subscription
Netflix, Sky, Virgin Media, Spotify
AAdd subscription3 taps, fewer missed payments
Biometric confirm
Customer approves provider connection
BBiometric confirm3 taps, fewer missed payments
Connected
Paid from the right salary vault
CConnected3 taps, fewer missed payments
Benefits
Why providers choose tPay365.
The goal is not another payment method. It is a better timing layer for obligations that customers intend to keep paying.
Payments route from salary-linked vaults rather than hoping a bank balance is available.
Customers avoid accidental missed payments becoming cancellation events.
Open Banking and account-to-account options can reduce card network dependency.
Partner events, settlement status and subscription lifecycle updates can be webhooked.
Customers associate providers with lower bill stress and clearer financial control.
No-code tPay_ID and API integration tracks support different partner maturity levels.
How it works
From first call to live integration.
Early partner work is structured, technical and commercially honest: evaluate, build, then launch with shared customer enablement.
- 01
1-2 weeks
Evaluate
We share the integration specification. You assess technical fit, commercial alignment and data requirements.
- 02
2-6 weeks
Build
Your team connects through API, webhook or file ingestion. We provide sample payloads and engineering support.
- 03
continuous
Launch
Integration goes live, mutual customers are enabled, and partner support moves into an operating channel.
Priority position
Get paid upstream, not last.
tPay365 accounts for provider commitments before everyday spending begins. Your fee is not competing with discretionary purchases after payday.
- Direct input into integration design
- Priority placement in employer onboarding flows
- Founding partner recognition
- First access to employer distribution as pilots scale
Payment waterfall
1Salary inGBP 2,847Payroll received
2Tier 1Rent + serviceRing-fenced with obligations
3Tier 2Disposable incomeEveryday spending after commitments
Provider revenue is positioned before discretionary spend.
Integration infrastructure
Built for enterprise integration from day one.
API-first
RESTful APIs with versioned contracts and OpenAPI specs.
Webhook-driven
Signed webhooks for payment, connection and lifecycle events.
Idempotent operations
Safe retries for payroll submissions, transfers and account events.
BACS Standard 18
Native parsing support for UK payroll clearing data.
Sandbox-ready
Synthetic payroll and provider events for integration testing.
mTLS-capable
Partner-to-tPay365 communication designed for client certificate verification.
api.tpay365.com200 OK
POST /v1/subscriptions/connect
{
"provider_id": "provider_uk",
"user_tpay_id": "TP-8821-9920",
"amount": 1599,
"currency": "GBP",
"frequency": "MONTHLY"
}RESTWebhooksSandboxOpenAPI 3.1
Trust & compliance
Trust is a control model, not a badge.
Partners get infrastructure designed around user consent, revocable permissions, regulated banking partners and audit-friendly event trails.
01
Consent
Permissioned access
Partner connections are designed around user consent and revocable permissions.
02
Evidence
Auditable events
Payment, routing and partner lifecycle events are designed to leave an audit-friendly trail.
03
Control
Regulated rails
Banking infrastructure is provided through regulated partner arrangements, not improvised money movement.
PSD2 and Open Banking-ready design
User-revocable permissions
Append-only audit trails
GDPR-conscious data minimisation
Regulated banking partner infrastructure
Security controls aligned to enterprise expectations
Partner questions
Useful early questions.
Is tPay365 live yet?+
tPay365 is pre-launch. We are preparing employer pilots and speaking with early integration partners now.
What does integration require from our engineering team?+
It depends on the partner track. HRIS partners usually need payroll events and employee sync. Service providers can start with tPay_ID or API settlement events.
Is there a cost to partner?+
Commercial terms are handled case by case during partner qualification and pilot planning.
Can we white-label or embed tPay365?+
We expect embedded flows to be possible for selected partners, but the exact model depends on compliance, customer experience and support boundaries.
Provider gateway
Interested in partnering?
Tell us about your platform, integration capabilities and what you are looking for. We will respond with the relevant technical specification and next steps.
Prefer email? partnerships@tpay365.com