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Instant payments

made in the right way

Accept and send verified payments instantly via a fully automated banking solution that delivers a better business banking solution. An innovative, secure payments solution you can trust.

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The ultimate payments solution

Streamline business banking with a payments solution that is quick, easy, cost-effective and delivers verified pay-ins and pay-outs in real time.

    all types of bank accounts

    Instant pay-ins and pay-outs

    Receive payments from customers, send refunds and make payments the easy way within seconds, 24/7.

    Automated payment verification

    Automated verification checks at the time of payment, confirming affordability and reducing the risk of fraud.

    Set up recurring payments

    Set up the collection of secure ad-hoc and subscription payments with Variable Recurring Payments.

Instant pay-ins

Now you can accept confirmed customer payments instantly knowing their account ownership has been verified via their banking app.

Your customers can make payments with ease using their favoured biometric authentication method. No need to create an account or enter any card details.

Simple. Fast. Easy. Safe.

Instant pay-outs

Streamline the way your business withdraws funds, sends refunds or makes payments in the most secure, fast way.

Customers are able to verify their accounts via their banking app and be paid instantly, 24/7. Funds will be in their account within seconds.

Pay the right account

No more lengthy verification processes that take days. Your customers can verify their account instantly via their banking app and use that information to pre-populate payment set up.

Reduce the risk of failed or lost payments, protect customers from fraud and ensure you’re paying the right account with automated account verification.

Facts about Open Banking payments

Open Banking payments are changing the way people pay online. With strong, secure automated biometric verification methods in place, like face ID or fingerprint, via online banking apps and websites, receive and send money cost effectively, with the minimum of fuss.

Keep customer data safe and secure by eliminating the need to store customer card details or passwords.


Customers in the United Kingdom decided to pay with Open Banking


Average time of receiving funds into bank account


Lower fees vs regular online payments



How our product works

Enable instant payments and withdrawals from within your banking app.

A payment is initiated

Your customer initiates a payment by choosing the amount they want to pay and the bank they want to use.

Account authenticated with the bank

Customer account ownership is authenticated with the bank via an automated verification process.

Receive or send money

Funds are immediately available for customers to send and receive payments instantly. The money is withdrawn and deposited within 30 seconds.


Be the first to know

We are currently testing our payment solution, leave us your e-mail and you will be the first to know about its launch.


Talk to our
Support Heroes

Whenever there's a problem we are here to help. We are keen to learn about what you are building and improvements you need. We are here for you.

Contact us

Friendly Score UK Ltd.

84 Brook Street

London W1K 5EH

Call us on +44 20 3709 6726

Company registered in England

Company number 09168668, ICO ZA111687

VAT registration number 206 9758 80

Authorised and Regulated by the Financial Conduct Authority. (FRN: 821100, 781963)

© 2024