Payment services and anti-fraud solutions
Enhance revenue with Pay360 - our leading payments technology
Choose from our suite of modular solutions
Pay360 payments technology
Pay360 e-invoicing and debt management
Pay360 fraud and risk management
|What is it||Flexible, secure payments and income management software||Customer-centric digital invoicing and debt recovery software||Multi award-winning fraud and risk management platform|
|How it helps||Makes it easier for customers to pay and more efficient to take payments, whether face-to-face, online or by telephone and via a number of payment channels to improve conversion rates.||Uses artificial intelligence and smart automation for efficient payment collection, reducing accounts receivables costs. Customer-centric to improve experience and collection rates.||Automates and streamlines decision-making to improve acceptance rates, increase revenue and improve customer experience. Build highly bespoke payment and payment acceptance criteria.|
|Features include||Reduces payments industry and GDPR compliance responsibilities by keeping customer data secure, supports digital channel shift to online payments.||A white label solution so you can customise emails and landing pages with your branding, includes SMS and email functionality for effective customer communications.||Advanced workflow and investigation tools make it quicker and easier to uncover fraud. Supports enhanced identity and verification (ID&V), know your customer (KYC) and anti-money laundering.|
|Who's it for||Everyone who receives payments – in particular those looking to increase cash flow whilst ensuring payments compliance.||Everyone looking to make invoicing more efficient and bring down their costs for payment collection.||Everyone who needs to identify fraudulent transactions more efficiently and offer a smoother payments journey for genuine customers.|
|Getting started||Integrates easily with existing systems and platforms – get in touch to arrange a demo||Integrates easily with existing systems and platforms - get in touch to arrange a demo||Integrates easily with existing systems and platforms - get in touch to arrange a demo|
Any payment, anywhere - modular solutions tailored to suit your needs:
A wide choice of payments
Alternative payment methods
Extend your global reach
Pay360 case study
How Go-Ahead protected themselves from an additional £4million in fraudulent payments
Go-Ahead, a transport company with 38 years’ experience in the bus and rail industry, was incurring costs and seeing a reduction in conversion rates as a result of fraudulent activity.
Our award-winning identity and fraud management suite features a powerful real-time rules engine, with an intuitive, user-friendly interface for organisations to build payment acceptance rules which meet their risk appetite at any time.
This, combined with the thousands of unique data points available, exposes suspicious behaviour early for global intelligence gathering, social media analysis, know your customer (KYC), anti-money laundering (AML) and enhanced identity verification (ID&V).
Easy integration and implementation
The integration required limited API coding changes and rules could be generated and activated seamlessly. The fact that our anti-fraud solution also offers the ability to set production rules into a live test mode offered Go-Ahead greater control - they could allow the analytics to run on their live transactions volume without having a bearing on transaction authorisations.
The impact – significantly reduced fraud and chargebacks
The flexible, powerful rules engine makes fraud detection easier and has led to a significant drop in chargeback levels. Debs Mayne explains: “Since using Optimize, our chargeback levels have reduced by £3-4,000 per month on average below the previous threshold.”
In the first year there was an increase in declined fraud across both Govia Thameslink Railway (GTR) and Southeastern of almost £4 million pounds compared to previously. And in just four weeks, Go-Ahead managed to prevent an additional £190,000 in fraudulent transactions for Govia Thameslink Railway (GTR) compared to previously, representing an increase in stopped fraud of 27.6% for the period.
Southeastern saw an increase in prevented fraudulent transactions of over £75,000 for the same period, an increase of 28.3%.