The powerful
agreement standard
for recurring ongoing scheduled automated


Infrastructure for financial institutions to manage risk, grow revenue and remain relevant.

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Smart Payment Agreements

Accelerate Revenue, Embrace Change

The world’s leading banks and enterprises choose Paypa Plane to create strong revenue streams whilst offering products to their business clients that embrace a new standard in secure, responsible, and flexible payments.

Paypa Plane’s consistent, robust, and rich agreement standards protect and uplift transactions and also enable financial institutions to compete meaningfully in the booming recurring payment economy.

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How Smart Payment Agreements™️ Power the Future of Payments

Reduction in Chargebacks

In-built user consent capture and maintenance means lower admin costs and reduction in chargebacks and fraud. 

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Bank Grade Resilience

Our systems are securely designed and built to align to the highest standards of resilience, reliability and recoverability. 

Powerful Metadata

Metadata is created, captured and logged to bring context and insights to every transaction.

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Insight Driven Reporting

Reports designed to garner insight and intelligence from data that's priceless to modern business and banking.

Payment Method Agnostic

All legacy, real-time and card channels can be uplifted and protected with Smart Payment Agreements standards.

Insurance companies
business banks
utility providers
Telecommunication companies
Non-bank lenders
professional services
Finance companies
wealth advisory
training organisations
education providers
asset rental
property management
asset financiers
sporting bodies
How a Smart Payment Agreement™️ works

Intelligent Protocols, for Powerful Agreements

Major changes are underway in global financial services with a need to extract more from legacy systems, while preparing for the future of payments and ensuring relevancy in an industry increasingly driven by automated payments and digital experiences.

That’s why we position financial institutions to become the prime financial services partner for their business clients through infrastructure and standards designed to unify strategy, reduce fraud and operating costs and deliver secure and compliant, flexible payments that businesses demand.

  • Business sends a Smart Payment Request™️ to their Payer.
  • Their Payer reviews this request(wherever they might be - online, on their device, in-store) and steps through a guided consent flow.

A business - through their financial institution or payment service provider - creates the structure of the Smart Payment Agreement™. This will include all the parameters of the payment agreement - including descriptions, frequency, amounts, number of payment and more. Smart Payment Agreements are inherently flexible to work with any type of payment structure between a payer and a payee.

This is then sent to the payer through a channel that makes sense to the business - it could be email, sms, via a website, a QR code or bespoke messaging channel.

A time-stamped event log specifically about this Smart Payment Agreement™ has now begun!

Send Smart Payment Agreements Visual

Consent Capture and Authentication

  • Payer assigns their preferred method of payment and provides final consent accordingly.
  • A Smart Payment Agreement™ is created, an Agreement ID is generated and an event log has begun against it.

The payer confirms and verifies that they are the intended recipient of the Smart Payment Agreement™️ and, through confirms that the Smart Payment Agreement™️ parameters are correct.

The payer then assigns their payment method of choice to be the active payment method for the agreement - this could be any type of payment that the business can accept through their financial institution or payment provider. The payer can change their active payment method at anytime and switch to a different one without disruption to the agreement.

The payer provides their final consent according to the required consent for their payment method. All of this is logged in the Smart Payment Agreement™️ event log and a unique Agreement ID is assigned to the Smart Payment Agreement™️.

Get Customer Consent


  • Upon the agreed schedule (it could be immediately), a Payment Initiation Event is created, checked against the Agreement ID and a range of other factors.
  • If all checks out, an initiation instruction is sent to the payment channel (according to the method of payment assigned to the agreement).

Upon the agreed schedule (it could be immediately), a Payment Initiation Event is created. Before being sent to process, the payment is checked against the Agreement ID to ensure that there is current and active consent, and that the transaction falls within the agreement parameters. No transaction will occur if either of these things are false.

These events are also logged.

Payment timeline

Ongoing Management

  • The Smart Payment Agreement™ performs automatic management tasks for both the Payer and the Business to create greater opportunities for success.
  • All activities on the agreement are logged as events which can be recalled at anytime by either party (and also, when required by you, the business’s financial institution).

The Smart Payment Agreement™️ gives both business and payer the ability to view and make updates to the agreement in real time. All activities on the agreement are logged as events which can be recalled at any time by either party (and also, when required by you, the business’s financial institution).

This significantly increases the chances of successful payments, saving time and money and providing a better experience for you and your customers.

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Let us know how we can support you as a Financial Institution to provide this experience to your customers

SOC 2 Type 2 Certified

Procurement and bank compliance-friendly

We place utmost importance on cybersecurity and compliance. We proudly uphold SOC2 Type 2 and ISO 27001 certifications, demonstrating our dedication to maintaining robust security measures. For further information regarding our commitment to security, please visit our dedicated security page.


(yes trillion) is the expected value of the booming US Subscription economy by 2025

- Mastercard

of B2C businesses projected to offer subscriptions by the end of the year

- Gartner

will be the Global value of B2B payments by 2027

- Juniper

Why global Payments Leaders are choosing Paypa Plane

Paypa Plane is changing the way that organizations think about extracting value from their payments infrastructure. We allow them to innovate faster and focus on their core business.

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“Our partnership with Paypa Plane will help us to innovate faster and better respond to our customers’ needs. We’re looking forward to working together to deliver an exceptional payment experience for businesses and consumers.”

Get to the forefront of recurring payments solutions
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We’ve listened while we’ve been serving fortune 500 companies. Here’s some common thoughts in the beginning:

My financial institution’s legacy systems make product adoption expensive, hard and slow.
My digital payment channels are internally siloed - between ACH, Card, RTP & FedNow.
Compliance and security are big concerns for my financial institution and my business customers
Ongoing and subscription payments come with high dispute and chargeback costs.
There are so many competing priorities at my financial institution and for my team.

Speak with a payments expert

Ready to transform your payments? Speak to the Paypa Plane team today to hear more about the power of Smart Payment Agreements or to uplift your payment infrastructure.