Validate Payments

OVERVIEW

OVERVIEW


The Apply Financial management team are global payments solutions experts with over 80 years combined experience. We set up the company in 2010 to provide the best payments validation solutions to both Financial Institutions and Corporates and to do this using the cloud and API's to remove the need for our clients to:


Gather and maintain huge amounts of global reference data


Maintain and update account structure rules for over 170 countries around the world


Worry about compliance


Deal with a significant percentage of failed payments and the associated costs

Over 700 companies around the world now use our Validate tools for both single payment validation and bulk payment file validation making significant savings in payment processing and enhancing the user experience

SOME OF OUR CUSTOMERS



FINANCIAL


CORPORATE



PARTNERS


Apply Financial partners with Technology Companies, Banks and Consultancy Organisations
Delivering payment validation, checking, fixing and conversion solutions
Efficient 24/7 real-time Domestic and International Transfers, Direct Debit and Account Conversion Services

Technology Partners

deploying

Add Value

Validate helps your solution to significantly improve Straight Through Processing of domestic and overseas bank payments in your solution by checking and enriching bank transfers, Direct Debits, bulk payment files and Mobile payments. It can also transform your customers user experience

cloud computing

Simplicity

Easy access and comprehensive support in the cloud to help make deployment a painless experience. With clear reporting metrics, user management and configuration tools

deploying

FastDeployment

Validate provides web calls with a comprehensive set of solutions deploying algorithms to enable smart use of global payments reference data and rules. You can deploy easily using our REST API as well as being able to use the same functions and management tools through our Browser. We can even white label for you so you can provide a seamless solution that protects your brand integrity

Want to find out more about becoming a Technology Partner click below
Partner with us

Bank Partners

deploying

Customer Experience

Validate gives you the opportunity to provide your clients with a seamless payment cleansing experience ensuring faster, error free payments. Validate can proactively keep Beneficiary details clean for Transfers, DD's, Payment Files and Mobile Payments saving you time and money

cloud computing

Simplicity

Validate is easily accessed in our cloud and uses a REST API for fast deployment. Our Validate Browser can be white labelled to provide your clients with proactive single or file payment cleansing tools to significantly reduce the time and money you spend on cleaning payments before sending or after they have failed

deploying

Remove Infrastructure and Support Headaches

Validate is in the cloud. This enabls you to rapidly deploy our Validate API web calls to provide seamlessly integrated payments solutions combining our smart software with up to the minute global payments reference data. Best of all you don't need to host, maintain or update our solutions as we do that for you

Want to find out more about becoming a Bank Partner click below
Partner with us

Ebury


"As a leading FinTech solutions provider, Bottomline shares the same goals as Apply when managing business-critical transactions:

  • - Improving Straight Through Processing rates
  • - Driving down costs by removing unnecessary human intervention
  • - Minimising payment errors in general

All of which contribute to a vastly improved customer service. In everything we do, we think long and hard about how we want to grow and who we want to partner with. We're always looking for new and creative ways to improve the product and service offerings we have. Our partnership with Apply Financial allows us to do just that."

~ Payments Product Manager, Bottomline Technologies

OUR DATA


Managing data is a time consuming and costly activity. All our Validate products are designed to be data agnostic and to allow for support of all data formats. We take the official global standards for data country by country including SWIFTRef Data and we seamlessly integrate our data our products to give the you the best service available

Our global data in Validate ensures that your payments reach their destination with the highest accuracy, first time

With our use of SWIFTRef and our other official data sources, you'll benefit from access to:


  • World leading payments reference data


  • Global Coverage and extensive national payment systems


  • high quality data, sourced from and maintained by the official originators only


  • Daily updated data so you don't have to worry about doing this yourself




Validate also provides you with the ability to add your own sourced data including including your in-house data sources for SSI's



To guarantee the quality of the reference data we only use authorised data originators to source and maintain their data. Authorised data originators include:


  • Banks


  • Central banks


  • Code issuers


  • Regulators


  • National authorities


  • Regional communities




In addition a dedicated data team constantly validate and cross-check data across the different data sets to make sure they are kept up to date

By using Validates world class data combined with our market leading software tools you will remove the overhead associated with managing hardware, operating systems, upgrades, updates and data integrity and be able to focus on your core business



Ebury

"We have made payment validation simple and reliable so you don't have to worry. You wouldn't post an important business communication without validating the address and postcode so why risk sending an important payment without validating the payment instruction first."

~ Mark Bradbury, CEO

MEET THE TEAM



Mark Bradbury
Linkedin

Mark Bradbury

Founder & CEO

A professional squash player in his earlier years , Mark has founded and worked in a number of innovative financial software companies since the late 1980's across financial trading, middleware and payments systems. Since 2002 he has also run his own independent consultancy company specialising in mentoring and advising technology companies of all sizes and across many sectors and is a mentor at Level 39 the worlds largest Fintech hub. He particularly loves disrupting mature markets and founded Apply Financial in late 2010 with the aim of simplifying complex payments process' and data management both on desktop and mobile platforms.

Mark is an avid Twitter user and you can follow him on @markyhampton.

Phil Goffin
Linkedin

Phil Goffin

Founder and Director

One of the UK's leading FinTech Innovators. With companies Phil has founded ranking in the Sunday Times Tech Track 100 and The top Fintech 50 best innovation companies in 2014, 2015 and 2016, he is a specialist in Innovation by Design having been an Investor, Adviser and Entrepreneur. He co founded Calastone, the global transaction network, Time Machine Capital a Cognitive (Artificial Intelligence lab) and incubator in London and was Director of Innovation at IFDS, the UK and Europe's largest fund administrator before joining FNZ in July 2017 as Chief Digital Officer focused on delivering Digital and Blockchain Technologies to the Asset Management and Financial Services Industry.

Mash Patel
Linkedin

Mash Patel

Director

Mash Patel is one of the original founders of Kurtosys, a Silicon Valley backed technology company specializing in the financial services sector. With extensive experience of establishing technology projects and bringing them to commercial market, Mash leads and executes company strategy. Prior to establishing Kurtosys, Mash worked in sales and marketing within the Structured Derivatives group at Merrill Lynch and also as a Management Consultant with Coopers & Lybrand.

Mash has a degree in Computer Science and Mathematics from the University of Warwick and a Masters in Finance from the London School of Business. As a seasoned entrepreneur, he sits on the Board of a number of venture backed technology based companies and is an active mentor to startup businesses.

 

Phil Black
Linkedin

Phil Black

Investor and Director

Phil is a founder of True Ventures with an expertise in early stage investing. He worked for many years learning the venture trade while at Summit Partners and at the predecessor firm to Lightspeed Venture Partners. He spent the crazy internet bubble years at ABS Ventures working with John Burke, and, in 2003, they co-founded a small angel fund, Blacksmith Capital, which set him on the path of pursuing the earliest stage technology companies that wished to raise modest, initial rounds of capital. Blacksmith proved on a microcosmic level what True Ventures has been able to institutionalize: great founders of early stage technology companies can and often prefer to start their businesses and get a lot of traction with modest initial capitalization. Phil holds an AB degree in Economics from Stanford University. He is also not afraid to have a little fun with social media and goes by the handle @mrvelvet on Twitter.

Amichai Lichtenstein
Linkedin

Amichai Lichtenstein

Director

Amichai has extensive banking and business acumen in Payments, FX, AdTech, Fintech and Innovation. He started his professional career working in finance and IT at global bank HSBC and rose to be head of HSBC Global Disbursements, responsible for delivering an innovative mass payments x-border service. Amichai runs a clearing house for AppNexus, the world's largest independent ad-tech company. He is also a senior advisor to Tipalti, a Palo-Alto based payments automation company. Amichai holds a BSc from the Technion, Israel Institute of Technology and an MBA from Northeastern University.

Martin Eves
Linkedin

Martin Eves

CTO

Martin's ability to deliver innovative and intuitive solutions to FinTech companies has helped make Apply Financial the world's leading payments validation provider. With multinationals such as Thomson Reuters and the London Stock Exchange, he has over 20 years' experience in equities trading and FX, derivatives and fixed income markets, and payments. He has used his extensive knowledge and experience of banking and payments to deliver creative solutions that have been strategically vital for a number of companies' profitability and customer growth. As CTO, Apply Financial's products have changed the market place and simplified delivery of payment solutions to clients.

CONTACT






© 2017 Apply Financial. All Rights Reserved.