Stop Chasing Payments.
Start Streaming Value.
The world's first Income-Linked Subscription Rail. Bypass the fragility of debit cards and Direct Debits to secure your revenue the moment your user gets paid.
Don't charge a card. Connect to the income.
Why Do 15% of Subscriptions Fail?
Expired cards. Lost wallets. Insufficient funds. Every month, you lose users who wanted to stay, simply because the payment rails failed.
Flexible Integration. Absolute Reliability.
The API
Embed the “Connect with tPay” button directly into your checkout flow. Users link their payroll in one click.
The tPay_ID
No dev time? No problem. Accept the user's unique tPay_ID just like a bank account number. It never changes, even if they switch banks.
Frictionless for Them. Fortified for You.
3 Taps · 0 Missed Payments · Lifetime Value Secured
Why providers choose tPay365
Zero Failed Payments
Payments come from vaulted salary, not bank accounts that might be empty.
Reduced Churn
Customers don't cancel because of accidental missed payments. Revenue stays stable.
No Direct Debit Fees
tPay365 routes via Open Banking. Skip the card networks. Save on fees.
Real-Time Settlement
No waiting for BACS. Payments route same-day when salary lands.
Customer Goodwill
Customers love knowing their bills are handled. You become associated with financial peace of mind.
Simple Onboarding
API integration takes days, not months. Or skip the API entirely with tPay_ID.
From salary to your account. Automatically.
Employee gets paid
tPay365 vaults bill money
Bill due date arrives
Payment routes to provider
Receipt generated
Funds are ring-fenced from salary. Not a hope-based direct debit — guaranteed by design.
Get Paid First, Not Last
tPay365 sits upstream of the user's spending money. Your fee is deducted from the Clean Paycheck calculation. You aren't competing with Friday night dinner — you're prioritised alongside rent and tax.
Built by Developers, for Developers
Clean RESTful API. Webhooks for payment success and failure. Sandbox environments that mirror production. You can be live in an afternoon.
Clean RESTful API
Intuitive endpoints, consistent JSON responses, semantic HTTP status codes.
Webhooks
Real-time callbacks for payment success, failure, and subscription lifecycle events.
Sandbox Environment
Mirror of production with test credentials. Ship with confidence before going live.
Live in an Afternoon
Comprehensive SDKs, quickstart guides, and a dedicated integration support team.
{
"provider_id": "netflix_uk",
"user_tpay_id": "TP-8821-9920",
"amount": 1599,
"currency": "GBP",
"frequency": "MONTHLY"
}The Gold Standard of Trust
Fully PSD2 compliant. User-revocable permissions. We give you the reliability of a standing order with the flexibility of a card payment.
PSD2 Compliant
Fully aligned with the Payment Services Directive. Open Banking ready.
FCA Regulatory Pathway
Operating within the UK's financial regulatory framework from day one.
ISO 27001 Aligned
Information security management following international best practices.
User-Revocable Permissions
Users can disconnect any provider instantly. Full GDPR compliance built in.
Append-Only Audit Trails
Every transaction, connection, and disconnection is permanently logged.
Standing Order Reliability
The reliability of a standing order with the flexibility of a card payment.
Ready to Secure Your Revenue?
Join the network of forward-thinking providers who have eliminated involuntary churn.