**Background**

Established in 1994, allpay has consistently been at the forefront of payment aggregation, processing over £8.8 billion annually for over 900 public and private sector entities. With over three decades of experience, we now process in excess of 90 million transactions annually, offering a comprehensive bill payment solution that encompasses all major payment methods. Our commitment to innovation has led us to pioneer the introduction of Prepaid Cards within the Public Sector. From card design to printing and fulfilment, all aspects are handled by our dedicated team. We are also proud to serve over 500 Housing Associations (HAs) and ALMOs, with 90% of the top 250 HAs in England and nearly 60% of all UK Local Authorities (LAs) choosing allpay for their bill payment services.


**The Challenge**

allpay handles over 20 Million card transaction records per month, and with ambitions of growth for both the cards and direct debit solutions, the manual processes for reconciliation and exceptions management were becoming unmanageable. 

**“PayTic has played a critical role in liberating our team from manual processes that were inefficient and holding us back from pursuing growth opportunities.”**

**Barbara Cichacka-Szaj**
Payment Operations Manager, allpay

 A team of four individuals spent 4-5 hours each day manually downloading, combining, and formatting spreadsheets for reconciliation. Having shared spreadsheets within teams where updates are done consistently throughout the day are prone to human error and not scalable. The identification and management of exceptions between the files was time consuming and distracted the team from investing in new projects. 
allpay realized that maintaining their level of compliance and excellence while chasing growth was not possible with these manual processes. 


**The Solution**

allpay contracted with PayTic in mid 2023. “We needed help in not only automating but also optimizing our reconciliation processes,” says Barbara. “The PayTic team and platform has been an invaluable source of support in our reconciliation activities, replacing 5 hours of work a day, to literally 20 minutes, freeing up 90% of our staff’s time to focus on new sectors of growth for allpay”. 

allpay has made use of PayTic’s Network and Custom Reconciliation features, allowing them to not only reconcile at the standard settlement files, but also create robust custom solutions to meet their daily use cases. allpay plans on expanding their contract with PayTic to include Dispute Management and complete the fully integrated set-up by end of Q3 2024.

Has PayTic helped allpay reduce manual effort, streamline processes and make it easier to comply with regulations? “Absolutely. We see PayTic as a catalyst for allpay to grow our market share with new products and services while easily navigating the regulatory landscape and data management”. 
-Barbara

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Discover how allpay's partnership with PayTic revolutionized bill payments, saving 90% time with automated reconciliation and streamlined processes.

allpay's PayTic Solution Saves 90% Time

Revolutionizing Bill Payments: allpay's PayTic Solution Saves 90% Time

allpay uses PayTic to Automate Reconciliation Operations

**Background**

WFCU Credit Union (WFCU) has been proudly serving Canadian clients since 1940, currently operating in 12 retail locations across Southwestern Ontario. WFCU currently has $8.93 billion in Managed Assets and Member Service Totals of $11.8 billion. As a principal member with Mastercard, WFCU acts as a BIN sponsor enabling FinTechs to bring innovative payment products to Canadians. Also, one of WFCU’s flagship payment card programs is a Debit Mastercard that allows its client more freedom, convenience and security than traditional debit – all in one card. It offers WFCU members the added flexibility to shop safely online and internationally anywhere Mastercard is accepted. Susanne Rainhard, Director, Administration, sat down with PayTic to discuss the Mastercard program at WFCU.

**The Challenge**

Growing or bringing on a new payment program can be a daunting task in itself, while the day-to-day management of the program also increases substantially. Reconciliation, exceptions management, fraud monitoring, chargeback processing and regulatory/compliance requirements all cumulate in significant workload and costs. Even with a program team of 10, managing the growth in daily transactions means growth in manual work, and involves the handling of many legacy file systems. “A significant volume of our work is focused on reacting to exceptions found in the processing of payments” says Susanne, “so the challenge is reducing our turnaround time, while delivering a quality service to our cardholders.”

Another challenge is exploring proactive, data-informed approaches to preventing exceptions before they happen. “Part of that puzzle,” says Susanne, “lies in integrating and aligning all the data, files and processes across the various Processors and Card Networks that WFCU works with.”

**“For me and for the rest of the team, the single interface experience of PayTic is where we go daily, from looking up and investigating a transaction to reviewing our program performance.”**

**Susanne Rainhard**
Director, Administration, WFCU Credit Union

**The Solution**

There are well known procedures to align, integrate and streamline legacy payment processes, but to do it on their own meant WFCU embarking on a large-scale, time and cost-heavy project. That is where Susanne’s team turned to PayTic Connect to help with their Mastercard program.

WFCU contracted with PayTic in late 2021. “We first started with the reconciliation and invoicing features, and after seeing an immediate impact on our process efficiency, we added chargeback processing,” says Susanne. “Most recently, we opened the product up to the Customer Relations team. The ease of walking through a member dispute with a work flow that follows Mastercard requirements, and doesn’t require intensive training with our call center agents, has made claim handling significantly easier, quicker and increased our claim win ratio. Finally, we can submit claims directly [to the card network] from the PayTic product and manage them from one place.”

“For me and for the rest of the team, the single interface experience of PayTic is where we go daily, from looking up and investigating a transaction to reviewing our program performance. Having a quick and accurate snapshot that displays the average spend, where those spends are occurring, [and] an overall look at the program itself, gives us critical information at a moments notice and allows us to spot trends. We have ease of mind that our data is aligned between all the players, which means we can make faster business decisions and react to our customers’ needs.”

Has PayTic helped WFCU reduce manual effort, streamline processes and comply with regulations? “We view PayTic as a key enabler to our ability to grow our business. As we add more card programs, we will be sure to have PayTic there to help us manage the back-office program functions.”

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PayTic: Revolutionising WFCU's Mastercard Program Management for Growth, Efficiency, and Compliance

PayTic Revolutionised WFCU's Mastercard Program Management

Empowering Growth: How PayTic Revolutionized WFCU's Mastercard Program Management

WFCU Credit Union Uses PayTic Connect to Grow Mastercard® Program

**Background**

Loop Financial is a neo-bank based in Toronto, offering a banking platform for growing Canadian businesses. Loop offers no-fx business credit cards, multi-currency bank accounts, free international payments, and capital products. Since 2020, Loop has helped Canadian e-commerce brands, online stores, start-ups, agencies, entrepreneurs, and more save thousands in banking fees with a meaningful banking partnership that supports growth. Kerwin Jorbina, Head of Engineering, sat down with PayTic to discuss the addition of the credit card program at Loop.

**The Challenge**

Setting up and launching a new corporate card program that manages multiple currencies can be a lot of work for a fintech. Also, once up and running, the administrative overhead to manage the day-to-day reconciliation, network reporting, fraud monitoring and chargebacks can be overwhelming. That’s where a card issuer/sponsor and PayTic came in to help Loop.

“In negotiations with our card issuer/sponsor, we agreed to take on managing the chargeback process, while the sponsor manages everything else.” says Kerwin. “This actually worked out well, because it gives us the opportunity to manage the relationship with our cardholders, as a chargeback process can become adversarial.” However, most fintechs want to focus on their core business, and not on building a chargeback function from the ground-up (aka reinventing the wheel).

Finally, chargebacks can be costly to the fintech. If not implemented properly, chargeback processes can be fragmented and lack a lifecycle approach, which results in a poor cardholder experience and lapses in card renewals. “We did not only want to manage the chargeback process, but we also wanted our clients to be engaged and trust the process” says Kerwin.

**“We view PayTic as a key enabler to growing our business. They are constantly innovating and releasing new value-add features. As we grow the card program and diversify, we will be sure to have PayTic there to help us manage the back-office program functions that we are responsible for.”**

**Kerwin Jorbina**
Head of Engineering, Loop Financial

**The Solution**

Loop could have designed, built and tested their own chargeback process, but to do so would have meant embarking on a large, expensive project. That is where Kerwin and team turned to PayTic Connect for help.

“Our issuer/sponsor looks after card program reconciliation and invoicing,” says Kerwin. “And we were able to get onboarded with the PayTic chargeback product within weeks. The ease of walking through a member dispute with a workflow that follows network requirements and didn’t require intensive training, has made claim handling significantly easier, quicker and has increased our claim win ratio”.

As for the process itself, the PayTic chargeback wizard automatically generates the chargeback codes as well as the appropriate supporting documents through the dynamic questionnaire and ensures the electronic signature of the cardholder. Once all the information is gathered, Loop payment administrators can submit claims directly to the network from the PayTic product and manage them all from one place. Finally, because the chargeback wizard asks the right questions based on transaction meta-data, the review time is optimized, so the process takes days compared to the standard 45-day cycle.

So, how has this project worked out? “We view PayTic as a key enabler to growing our business. They are constantly innovating and releasing new value-add features. As we grow the card program and diversify, we will be sure to have PayTic there to help us manage the back-office program functions that we are responsible for”.

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Loop Financial Uses PayTic Connect to Help Launch New Cross-Border Corporate Card Program

Loop Financial Uses PayTic Connect to Help

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From drag and drop to full integration, hear how PayTic has liberated our customers’ operations and allowed them to focus on growth!

Case Studies