Bank Account Capture

Capture bank account details — without your agents ever hearing them

Working with our partner Acquired.com, we provide automated bank details capture and outbound payment services with secure tokenisation and COP verification. Agents never see or hear bank account details.

How Bank Account Capture Works

Secure, automated bank details collection with tokenisation and COP verification built in.

Secure Tokenisation

Bank account details are encrypted and tokenised immediately — they never sit in your systems in the clear.

COP Verification

Confirmation of Payee verification ensures account holder name validation and fraud prevention.

Automated Processing

Automated workflows for bank detail collection and outbound payment processing.

Partner Integration

Direct integration with Acquired.com for bank account capture and outbound payments.

Bank Account Capture Services

Paytia's bank account capture service handles automated bank detail collection and outbound payment processing. The platform captures and tokenises bank account details with integrated COP (Confirmation of Payee) verification, so your team doesn't have to touch sensitive banking data at any point.

Bank-Level Security

Built to PCI DSS Level 1 standards, ensuring your customers' financial data is protected at every step of the process.

Fully Customisable Bank Capture Forms

Create branded, professional bank account capture forms with complete styling control, custom fields, and advanced configuration options.

Complete Visual Customisation

Customise every aspect of your bank capture forms including colours, fonts, borders, and branding to match your company identity perfectly.

Custom branding
Logo positioning
Typography options
Form layouts

Advanced Field Configuration

Configure custom tick boxes, terms and conditions, and advanced field options with rich text editing and validation controls.

Custom checkboxes
Rich text editor
Field validation
Form logic

Key Service Features

Bank account capture with solid security and straightforward integration.

Customisable Forms

Create tailored bank capture forms for consumer or business bank accounts with flexible field configurations and branding options.

API Integration

Embed bank capture forms directly into your business applications, allowing customers to securely add their banking details.

COP Verification

Confirmation of Payee (COP) verification is included as standard, ensuring account validation and reducing fraud risk.

Secure Storage

Bank account details are securely captured, encrypted, and stored on Paytia's platform while providing secure tokens for your system.

Automated Payments

API-controlled outbound payment processing using stored tokens, reference numbers, and amounts — no manual steps required.

Webhook Retry

Customisable webhook retry mechanisms ensure reliable event delivery with failover protection for failed transactions.

How Bank Account Capture Works

1

Bank Detail Capture

Customer completes a secure bank capture form with account details. Your agent opens the Paytia portal, selects bank account capture, and sends a secure form. The customer enters their sort code and account number via phone keypad or online form.

2

COP Verification and Validation

Paytia validates the sort code against the EISCD database and runs modulus checks on the account number. Confirmation of Payee verifies the account holder name matches. Bank details are then encrypted and tokenised.

3

Outbound Payment Processing

Verified details are encrypted, tokenised, and stored securely by Paytia. Your system receives tokens you can use for Direct Debit setup, automated outbound payments, or recurring billing via API.

Delivered in Partnership with Acquired.com

Acquired.com is a European fintech specialising in payment processing and banking solutions. They provide financial services including merchant acquiring, banking-as-a-service, and payment technologies across multiple markets.

Trusted Partnership

Through our partnership with Acquired.com, Paytia delivers bank account capture that combines their financial infrastructure with our payment security expertise — giving you automated bank detail collection and outbound payment processing in one place.

Example use case: automated rebate payments

Rebate-driven businesses (solar, energy, insurance claims)

A solar-rebate business receives hundreds of customer payment requests a month. Without Paytia, the workflow is: customer completes a claim form, emails or calls in their bank details, operations staff copy those details into the payment system, a second person verifies the transcription, and the payment is released on the next batch run. That's sensitive data on your desks, in your inbox, and in your notes — with every human step a chance to mistype a sort code.

With Paytia Bank Account Capture: the customer completes a branded bank-details form hosted by Paytia. Details are validated against Confirmation of Payee, tokenised, and stored in our PCI DSS Level 1 environment. Your staff never see the raw account number. The payment goes out when you trigger it — same workflow, no data in your systems.

The measurable outcome depends on the business, but the consistent pattern is: the manual bank-detail capture and verification step gets removed entirely, and sensitive banking data stops living on operations-team desktops. For regulated industries (insurance, finance, utilities) that removes a real data-protection burden without rewriting the claims process.

Data Protection and Compliance — We Handle the Burden

Your Systems Never Store Sensitive Banking Data

When you use Paytia's bank account capture services, your systems never receive, process, or store sensitive banking identification data. All customer bank details are captured directly by Paytia's secure platform, encrypted with AES-256, and stored in our PCI DSS Level 1 compliant infrastructure.
You receive secure tokens instead of raw banking data, which eliminates your regulatory burden for storing sensitive financial information and significantly reduces your compliance requirements, audit scope, and data protection responsibilities.

Compliance Benefits

PCI DSS Level 1 compliance handled by Paytia
GDPR data protection requirements managed
FCA regulatory compliance maintained
Reduced audit scope and requirements

Security Features

AES-256 encryption for all banking data
Multi-factor authentication systems
Real-time fraud detection monitoring
Secure tokenisation technology

Business Benefits

Paytia's bank account capture and payment processing delivers real benefits through automation, strong data protection, and built-in compliance management. One integrated platform handles bank detail capture and outbound payments so you don't need separate systems.

What Makes This Service Different

Automation

Reduces manual data entry significantly through automated bank detail capture and payment processing.

Data Protection

Your systems never store sensitive bank details — all data is encrypted and securely managed by Paytia.

Compliance Management

Built-in PCI DSS, GDPR, and FCA compliance reduces regulatory burden and audit requirements.

Unified Platform

Single integration provides both inbound bank capture and outbound payment processing capabilities.

Bank Account Capture Benefits

Here's what you get when you use Paytia for bank account capture — secure, automated, and built to cut the manual work out of collecting and processing bank details.

Automation That Works

Our bank account capture service combines proven technology with secure tokenisation to remove manual work and reduce errors.

  • Automated banking information collection
  • Advanced COP verification built-in
  • Secure tokenisation and storage
  • API-driven customisation options

Data Protection

AES-256 encryption, secure storage, and tokenisation — your systems never hold raw banking data.

  • AES-256 encryption protocols
  • Secure tokenisation technology
  • GDPR and PCI DSS compliance
  • Audit trail and logging

Compliance Management

Automated compliance monitoring keeps your bank account capture processes on the right side of PCI DSS, GDPR, and FCA requirements.

  • Automated compliance monitoring
  • Regulatory reporting features
  • Data retention management
  • Audit preparation tools

Unified Platform Benefits

One integration covers bank account capture, COP verification, tokenisation, and automated payment processing — no patchwork of separate tools.

  • Single API integration point
  • Unified dashboard and reporting
  • Workflow management
  • Support services

Technical Implementation with Acquired.com

Our bank account capture service is built on Acquired.com's payment processing infrastructure, giving you secure, scalable, and compliant tools for automated bank detail collection and outbound payment processing.

Custom Forms

Customisable bank capture forms for all business types with full branding control.

COP Verification

Confirmation of Payee verification included as standard to reduce fraud.

Secure Tokenisation

Strong security and tokenisation so raw bank data never touches your systems.

Industry Applications

Bank account capture solutions designed for specific industry needs with compliance and security built in.

E-commerce and Retail

Enhance customer experience with secure bank account capture for recurring payments, subscriptions, and high-value transactions.

  • Subscription service setup
  • Recurring payment collection
  • Large purchase transactions
  • Customer account management

Financial Services

Simplify customer onboarding and payment collection with secure bank account capture that reduces fraud risk.

  • Customer onboarding processes
  • Direct debit setup and management
  • Loan and mortgage applications
  • Investment account funding

Insurance and Healthcare

Secure and compliant bank account capture for premium collection, claims processing, and patient payment management.

  • Premium payment collection
  • Claims settlement processing
  • Patient payment management
  • Healthcare service billing

Property and Real Estate

Secure bank account capture for property transactions, rental payments, and deposit management with built-in fraud prevention.

  • Property purchase transactions
  • Rental payment collection
  • Deposit and security management
  • Property management services

Frequently Asked Questions

How does bank account capture work with Paytia?

Customers enter their bank details through secure forms, which are then encrypted and tokenized. Your systems receive secure tokens instead of raw banking data, eliminating your regulatory burden for storing sensitive financial information.

What is COP verification in bank account capture?

COP (Confirmation of Payee) verification is included as standard, ensuring account validation and reducing fraud risk by confirming the account holder's name matches the provided details.

How does Paytia ensure data protection for bank account capture?

Through AES-256 encryption, secure tokenization, PCI DSS Level 1 compliance, multi-factor authentication, and complete audit trails. Your systems never store sensitive banking data.

Can I customise bank account capture forms?

Yes. Forms can be fully customised with your branding, including logos, colours, fonts, custom fields, tick boxes, terms and conditions, and advanced field options.

How do I integrate bank account capture with my existing systems?

Bank account capture integrates with your existing systems through Paytia's API. You can embed bank capture forms directly into your business applications, and payment notifications, transaction data, and customer information can be automatically synchronised with your CRM, accounting software, or other business applications.

What happens after bank account details are captured?

After bank account details are captured, they are encrypted and tokenized. Your system receives secure tokens that can be used for automated outbound payment processing via API. The original bank details are securely stored by Paytia and never touch your systems.

Can I use captured bank accounts for recurring payments?

Yes. Once details are captured and tokenised, you can use the secure tokens to process automated recurring payments, scheduled payments, or one-time outbound payments through Paytia's API.

What types of bank accounts can be captured?

Both consumer and business bank accounts. The system covers the UK's main high-street banks and most building societies through our partnership with Acquired.com.

How secure is the bank account capture process?

The bank account capture process uses PCI DSS Level 1 standards including AES-256 encryption, secure tokenization, and multi-factor authentication. All data transmission is encrypted, and sensitive banking information never touches your systems.

What compliance requirements does bank account capture help with?

Bank account capture helps reduce your compliance burden by handling PCI DSS Level 1 compliance, GDPR data protection requirements, and FCA regulatory compliance. Since your systems never store sensitive banking data, your audit scope and compliance requirements are significantly reduced.

Ready to automate bank account capture?

Join businesses using Paytia to securely collect bank details, verify accounts with COP, and automate outbound payments.

Used by British American Tobacco · Howard Kennedy · CITB · Clinical Partners · Trinity Hall College

Since 2016

Building secure payments

PCI DSS Level 1

Highest certification

99.99%

Platform uptime

£40M+

Transactions processed

Related solutions

Other ways to take payments in this channel.