Service Provider Integration

Get paid directly from ring-fenced salary vaults

Two Connection Methods

tPay_ID (No-Code)

Employee shares their tPay_ID with the provider. Provider is added to the employee's vault routing. No engineering required.

01Employee shares ID
02Provider added to vault
03Payments auto-execute

API Integration

Provider connects via API to receive real-time payment confirmations, settlement status, and customer vault data (with consent).

01Provider connects API
02Webhooks configured
03Real-time settlement

Payment Mechanics

Funds ring-fenced at payroll time

On due date, tPay365 executes payment

Provider receives Faster Payment + digital receipt

Settlement confirmation webhook (API partners)

Direct Debit vs tPay365 Vault Payment

Metric	Direct Debit	tPay365 Vault
Payment failure rate	~2.5%	~0% (pre-funded)
Settlement speed	3–5 days	Same day
Customer churn (payment)	~8% annual	Near zero
Setup complexity	DD mandate	tPay_ID or API

Provider Categories

Landlords & Letting Agents

Energy Providers

Council Tax

Broadband & Mobile

Streaming & Subscriptions

Insurance

API Preview

Webhook payload sent to API-connected providers on payment completion:

{
  "event": "payment.completed",
  "provider_id": "PROV_001",
  "amount": "120.00",
  "currency": "GBP",
  "source_vault": "BILLS",
  "reference": "FEB-2026-ENERGY",
  "timestamp": "2026-02-14T09:00:00Z"
}

Onboarding Flow

Provider signs up

Bank details verified

Confirmation of Payee (CoP) check validates provider bank account ownership.

Appears in provider directory

Once verified, the provider is listed in the employee-facing directory for vault connections.

Employees connect via tPay_ID or app

Employees link the provider to a specific vault. Payments execute automatically on schedule.