The universal Request To Pay software solution
for complete, borderless transactions, from settlement request to accounting reconciliation.
Moneyroad RTP combines technical performance, business flexibility and unlimited customisable user interfaces.
Moneyroad RTP is designed to meet the most demanding technical and regulatory requirements, while quickly adapting to the specific needs of each user.
Moneyroad RTP is already in production and offers fast and complete interoperability with RTP systems around the world.
Thousands of companies already use Moneyroad RTP services.
StreamMind
Digitize, unify, and automate your payments and invoicing
A complete solution for managing payment requests, simplifying secure and compliant financial transactions.
Moneyroad Request-To-Pay processes any RTP messaging service as SEPA Request-To-Pay (SRTP) and Hungarian Request-To-Pay (HRTP). SRTP is the new Europe-wide standardization of the link between the invoice and the commercial transaction.
SEPA Request-To-Pay is a new concept of sending invoices alongside payment requests through a single transaction.
Based on European Payment Council standards and recommendations, the SEPA Request-to-Pay service has been developed to standardize payment processes based on structured messages exchanged between the creditor (the payee) and his debtor (the payor).
An all-in-one billing and payment app
Moneyroad is the first solution that allows any user (enterprise or individual) to digitize, unify and automate the entire billing and payment process on one easy-to-use application.
Moneyroad Request-To-Pay integrates as standard all the functionalities of the European EPC SEPA Request-To-Pay standard (all versions) with a guarantee of flexible and continuous updates. Integrates the last SRTP EPC rulebook.
Moneyroad fully compliant to EBA SRTP system, to any domestic RTP system currently and in the future.
Moneyroad Request-To-Pay officially certified by the EPC.
Send request for payments to any client, customer, or friend.
• For the payee allows the payer to modify the elements of the payment request (amount, date, maturity, settlement plan, etc.).
• For the payer authorizes a deferred payment by allowing them to choose the settlement date.
• Automatic resending of an unanswered payment request, with the choice of frequency and number of resends.
• Acceptance and payment done simultaneously or in two steps (accept now/ accept later and pay now/ pay later).
• Attachment and retrieval of payment request documents.
• Automatic triggering of SCT and SCTInst SEPA transfers according to its status and due date (through direct API connection and/or messaging, pain.001, pacs.008, …).
• Cancellation of a payment request already sent and not accepted.
• Refusal of a payment request by the payer with an addition of the reason.
• Choice of a time limit for payment requests without a response from the debtor.
• Issuance and reception of any payment requests between a payee and a payer compliant to SRTP and any other RTP standards.
• Deep Learning scanning via a photo or scan of all documents that may be related to the payment.
• Provision of global and detailed statistics tools.
• Grouping of payment requests in the same file.
• Management of alerts (API mode, email or SMS) : users and administrators receive for each action or change in processing status.
• Tracking of all processing and messaging with the possibility of a multi-criteria search.
• Management of users, user groups and associated rights.
• Complete management and customization of the service through parameterization.
• Simple management of all functional evolutions by importing files without software reinstallation.
• Management of the validity and conformity of fields entered by the user.
• Cross-referencing of information from each function to provide an overall view or report of the information.
StreamMind
Key operational features
Moneyroad Request to Pay Highly flexible
A universal, highly-configurable corporate API allowing Banks, PSPs, and Service Providers to offer RTP services to their corporate clients with no impacts or constraints on their internal information systems.
Deployment of the Universal Enterprise API is completed in a matter of days and can be easily adapted to any customer environment through the settings (including standard ERP systems such as SAP, Oracle Suite, E-Business Suite, NetSuite, PeopleSoft, Kiriba, and more…).
Moneyroad Request to Pay Connected to payments
Moneyroad RTP connects to the bank payment systems by settings (protocol, format, business rules,…).
Moneyroad RTP also integrates a universal gateway, enabling a bank, PSP, or service provider to interoperate its RTP services with all existing international RTP systems or schemes without the need for additional software development to interface with each new RTP system or scheme.
It only takes a matter of days to configure a new interface with another RTP system or scheme.
Simplified onboarding and rapid implementation
COMPANIES
Within all roles of a complete process on the creditor and debtor sides (SRTP generation based on invoices, quotes, orders, data entry, etc.).
Integration by setting up the SRTP workflow in all customer information systems, bank reconciliation, management, follow up, schedules, and payment management are all available on the creditor and debtor sides through a highly customisable API.
INDIVIDUALS
On the debtor side from its bank’s online or mobile banking service, which allows monitoring, validation, modification, updating and access to SRTP Payments.
On the creditor side: simplified integration into banking tools with white labeling possibilities.
SCHEME / SERVICE PROVIDERS
Including acquisition, providing and connecting the return of SRTP messages in all formats and protocols, full processing of SRTP and other RTP systems on the creditor and debtor side (PAIN.013, pain.014,...), connection to all service providers (STET, EBA , SEPAmail,...), management of enrollment repository routing, payment recognition, and reconciliation.
StreamMind
Dashboard screenshot
Key benefits
Moneyroad Request-to-Pay Fully compliant PSD2
Moneyroad RTP includes schemes repositories to automatically identify their participants.
Moneyroad RTP determines automatically the reachability of the Payer’s IBAN and set up a dedicated workflow: ON-US, RTP CSM, through Open Banking Services.
Moneyroad RTP interfaces with any PSD2 payment actors (AISP, PISP, etc.)
They talk about us
Success stories
Lirka Bibezic, Head of Receivables Product Management at BNP Paribas, expressed her gratitude to the teams at StreamMind and BNP Paribas, highlighting their commitment and expertise that made this collaboration possible.
Lirka Bibezic,
head of Receivables Product Management at BNP Paribas
The future awaits
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