what you actually earn
tPay365 locks your rent, bills, and savings at source — before you see your balance. What's left is your Clean Paycheck: the real number that's safe to spend.
UK-based · FCA regulatory pathway · AES-256 encrypted · PII isolated
Connects to your existing stack
tPay365 integrates with the tools your team already uses — payroll, HR, banking, and benefits.
Payroll Providers
We connect directly to your payroll system to intercept salary data the moment it arrives.
HRIS Platforms
Employee records, org charts, and onboarding data flow securely from your existing HR tools.
Banking Partners
Ring-fenced vaults and BACS payments powered by FCA-authorised banking infrastructure.
Benefit Providers
Pension, insurance, and benefit deductions routed automatically before the Clean Paycheck.
Three steps to financial clarity
Salary Arrives
Your employer sends payroll data via BACS. tPay365 receives the gross amount and begins routing.
Obligations Lock
Rent, bills, loan repayments, and savings are ring-fenced into vaults — untouchable until due.
Clean Paycheck
What's left is yours to spend freely. No guessing, no overdrafts, no bill anxiety.
Obligation-first infrastructure
Ring-Fenced Vaults
Every obligation — rent, bills, savings — is locked into its own vault. Funds can't leak or get accidentally spent.
Intelligent Deductions
Priority-aware routing drops savings first if income dips, protecting essential obligations automatically.
Yield on Idle Funds
Vault balances earn interest while waiting for due dates. Time-value arbitrage, built into payroll.
Real-Time Visibility
Dashboards for employers and employees. Track obligations, vault balances, and Clean Paycheck in real time.
Trusted by forward-thinking teams
“We piloted tPay365 with 120 employees. Payroll admin dropped by 40% and not a single rent payment was missed. Our staff actually understand their payslips now.”
Sarah Mitchell
Head of People, Meridian Group
“The Clean Paycheck concept is brilliant. Employees stopped asking HR about deductions because the dashboard makes everything transparent. Game changer.”
James Okafor
Finance Director, Bright Wave Studios
“As a landlord partner, having rent ring-fenced at source has eliminated late payments entirely. The integration took less than a day.”
Priya Sharma
Operations Manager, Northfield Properties
Fintech-grade by default
Built for real money
- AES-256 encryption at rest
- Mutual TLS between servers
- Append-only audit logs
- UK GDPR compliant
- FCA regulatory pathway
Two-Server Architecture
Business logic, auth, hashing — no plaintext PII
PII vault, AES-256 encryption, BACS parsing
Ready to See Your Clean Paycheck?
Join the early access cohort and be among the first to experience obligation-first payroll.