The Sub-150ms Transaction Clearance Layer for UK Payment Rails.
Stop merchant bust-outs, High Court winding-up clawbacks, and boardroom flight before morning payouts leave your bank. A deterministic wire interceptor engineered specifically for the settlement and payout gate.
The Problem We Solve
World-Class KYB at Onboarding. 100% Blind on Daily Payouts.
UK acquirers spend millions screening corporate merchants on Day 1. But on Days 2 through 365, automated settlement engines disburse tens of millions every morning with zero real-time solvency verification.
The Bureau Latency Trap
Traditional credit bureaus (Experian, FullCircl, Dun & Bradstreet) take 3,000ms–8,000ms to respond and charge £3–£8 per report. They cannot physically or economically be placed in live settlement batches.
The Government Rate Limit
Companies House caps public REST API queries at 600 calls per 5 minutes (~2 req/sec) with strict HTTP 429 bans and zero commercial uptime SLA. Calling it directly on live rails crashes payout engines.
The Section 127 Clawback
When HMRC files a Winding-Up Petition, it is advertised in The London Gazette weeks before Companies House reflects it. Payments disbursed post-petition are void in law, and liquidators claw them back from the acquirer.
System Architecture
Three Distinct Clearance Tiers. Grounded in Primary UK Statute.
Unlike generic credit scoring, RecoupIQ operates strictly on deterministic statutory triggers and established contractual reserve powers.
Direct Statutory Prohibitions (Immediate Void-Payment Risk)
Transactions are deterministically rejected when legal ownership of funds has terminated or where disbursements are legally void by Act of Parliament.
Sourced on Day 1 from The London Gazette (Rule 7.10). Prevents liquidator clawbacks of disbursed cash.
Identifies dissolved entities or active First Gazette strike-off notices before funds vest in the Crown.
Halts payouts when corporate abandonment leaves zero active directors authorized to operate funds.
Behavioral & Balance-Sheet Risk (Contractual Reserve Triggers)
In compliance with the Supreme Court Eurosail precedent, liquidity and management shifts do not trigger illegal hard freezes, but instead route transactions to your exception queue to invoke standard Merchant Agreement reserve clauses.
Real-time extraction of filed statutory iXBRL balance sheets flagging balance-sheet insolvency.
Detects mass director resignations preceding bust-outs, requiring identity re-verification.
Flags sudden migration from trading premises to default virtual mailboxes or residential addresses.
Creditor Waterfall Subordination & Cash Flow Stress
Acquirers are unsecured creditors in insolvency. When a merchant has floating charges, senior debentures consume assets before chargebacks are recovered.
Maps existing debenture stacks (MR01 filings) to evaluate whether chargeback claims will be subordinated.
Detects auditor-flagged material uncertainties regarding business continuity in filed accounts.
Tracks deteriorating payment terms (>60 days late) as a primary indicator of supplier stress.
FCA MLR 2017 Regulation 28(11) Proof on Every Settlement.
The FCA has repeatedly penalized UK financial institutions for failing to conduct continuous transaction scrutiny (including Starling Bank’s £28.9M penalty and Commerzbank London’s £37.8M fine).
RecoupIQ signs every clearance decision with an Azure Key Vault RSA-256 HSM certificate and SHA-256 canonical digest. When FCA auditors inspect your settlement pipeline, you produce cryptographic receipts proving continuous automated scrutiny for every merchant payout.
Standard morning payout wire. Entity active, 2 active directors, no petitions or debenture distress.
{
"decision": "CLEAR_FOR_POLICY",
"policyResult": "CLEAR_FOR_POLICY",
"reviewRequired": false,
"settlementAction": "RELEASE_IMMEDIATELY",
"clearedAt": "2026-09-05T06:00:12.418Z",
"latencyMs": 11,
"reasons": [],
"partyFindings": {
"payee": {
"companyNumber": "08472911",
"legalName": "APEX CLOUD SOLUTIONS LTD",
"companyStatus": "active",
"activeDirectorsCount": 2,
"insolvencyRiskTier": "LOW",
"courtListingsCount": 0
}
},
"certificate": {
"certificateId": "cert_live_8f9a21b4",
"status": "ISSUED",
"algorithm": "RS256",
"keyVaultKeyId": "https://recoupiq-vault.vault.azure.net/keys/payout-signer-hsm/v1",
"canonicalDigestSha256": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
"signaturePreview": "MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEA3f9..."
}
}Transparent Pricing
Engineered for Live Settlement Economics.
Priced at pennies rather than £5 bureau reports, making continuous payout clearance financially viable.
30-Day Certified Sandbox Pilot
Fast-track technical verification designed for risk engineering teams to validate latency, test error states, and backtest historical losses.
- Dedicated Sandbox Environment & Postman Collection
- Historical Loss Backtest (10 defaulting merchant post-mortems)
- Pre-built Node/TypeScript & REST client integrations
- Direct engineering Slack/Teams channel support
Production Clearance Tier
Full wire-interceptor access with pre-computed snapshots, cryptographic certificates, and guaranteed SLAs.
- 50,000 monthly checks included
- Volume overage: 7p – 10p per check
- Hardware HSM RS256 Audit Certificates
- 99.95% Availability SLA with sub-150ms P99 guarantee
Test Your First Clearance Payload in 15 Minutes.
Import our Postman collection, query our deterministic test fixtures (clean clearance, gazetted petition, strike-off, and boardroom flight), and evaluate the response latency.
RecoupIQ Ltd • England & Wales #16947526 • ICO Registration #ZC077511 • [email protected]