As the most experienced provider of New Payment Platform (NPP) services, we are driving innovation and competition in payments with PayTo for financial institutions, payment service providers, fintechs and enterprise.
With over 5 years NPP implementation experience, enabling 60+ implementations since 2018 for some of the leading innovators on the Platform today; Azupay, Monoova, Zai, Zepto and over 50% of financial institutions connected to the NPP, we have the experience and expertise required to help your business move beyond real-time to realise the value of pre-authorised payments from bank accounts.
As an NPP Participant and ADI, Cuscal has the security, credibility, and regulatory frameworks that are important for the continuity of service and assurance that are needed for PayTo, while our flexible managed service supports a diverse range of business models, ensuring flexible delivery of services based around your needs.
Connect to the NPP and PayTo
Contact Cuscal to enquire about how we can help your business innovate and compete using the NPP and PayTo.
PayTo for PSPs, software providers and enterprise
As an enabler of real-time digital commerce, Cuscal provides access to the building blocks required to launch innovative new payment services that can transform the payment experience for customers and businesses across subscriptions, bills and invoices, ecommerce, embedded finance and the bulk disbursement of funds.
PayTo opens new pathways to payments innovation, delivering insight rich, convenient and trusted payment arrangements for your customers.
Improve customer visibility and management of funds
- Real-time processing and settlement 24/7/365 and confirmation of payment outcomes improve customer visibility and management of available funds.
Reduce dishonours and fraud
- Reduce instances of payment dishonours, fraud and liability with real-time account validation and mandate authentication by customers via secure bank channels.
Reduce misdirected payments
- The simple addressing of customer payments using PayID reduces instances of misdirected payments and exception processing.
Improve customer retention
- Real-time notifications when a mandate is cancelled or amended by a customer powering proactive customer retention strategies and workflows.
Minimise reputational risk from data breaches
- Centralised, secure storage of PayTo mandates reduces the operational requirements for record keeping and the reputational risk associated with payment data breaches.
One simple integration
- Easily connect to the entire ecosystem of financial institutions connected to PayTo through a single API integration with Cuscal’s PayTo service.
With PayTo your business will be at the forefront of payments innovation.
Connect to the NPP and PayTo
Contact Cuscal to enquire about how we can help your business innovate and compete using the NPP and PayTo.
PayTo for banks, credit unions and mutuals
Enhance the relevance and usage of your digital banking channels and create new customer engagement opportunities with PayTo by providing your customers with greater visibility, control and security over payments made from their account.
Secure payments
- Payment fraud is lower with PayTo, with real-time account validation and mandate authentication by customers via secure bank channels.
Greater control
- Customers can pause, change or cancel PayTo mandates via secure bank channels, delivering greater control over payments made from their account.
Improved visibility
- Customers can view details of the PayTo mandates linked to accounts via secure bank channels, with real-time notifications and alerts at the various stages of mandate creation and confirmation of payment outcomes.
- Real-time processing and settlement 24/7/365 and confirmation of payment outcomes improve customer visibility and management of available funds.
Reduce misdirected payments
- The simple addressing of customer payments using PayID reduces instances of misdirected payments and exception processing.
One simple integration
- Easily connect to PayTo through a single API integration with Cuscal’s PayTo service.
Connect to the NPP and PayTo
Contact Cuscal to enquire about how we can help your business innovate and compete using the NPP and PayTo.
Pathways to access PayTo
Cuscal’s solution is the only fully compliant solution in market that delivers all the features and services of the NPP and PayTo.
PayTo orchestration
- PayTo mandate creation, authorisation and management.
- Payment Initiation Request orchestration and validation against the PayTo Mandate Management Service.
Payment Clearing and Settlement
- Real-time clearing and settlement of PayTo payments for real-time funds availability.
PayID management and resolution
- PayID issuance and management.
- PayID look-up and resolution for PayTo mandate creation and Payment Initiation Requests.
Operational capabilities and back-office support
- Access to all the flows and options for NPP messaging and services for PayTo, avoiding duplication of NPPA and Participant costs to deliver a more cost effective service.
- Self-service dispute resolution and investigation capabilities and workflows providing streamlined operational processes and compliant audit trails.
- Managed PayTo compliance, reducing compliance costs and operational risk.
Connect to the NPP and PayTo
Contact Cuscal to enquire about how we can help your business innovate and compete using the NPP and PayTo.
Contact Us
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Simply send us a message if you would like more information about Cuscal and/or our products and services.
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