The Transaction Clearance Layer for UK Payment Rails.
Stop merchant bust-outs, High Court winding-up clawbacks, and Section 75 / scheme chargeback write-offs before morning payouts or advances leave your bank. Pass any UK Company Registration Number (CRN) for a deterministic <150ms clearance verdict across both B2B and C2B payment rails.
Check every UK merchant CRN right before T+1 settlement payout, reserve release, or MCA/BNPL advance. Returns CLEAR_FOR_POLICY or REVIEW with a SHA-256 statutory certificate.
Experian/Creditsafe only run at Day-0 or on 30-day batch lag, and Stripe Radar/Sift only score consumer cards. Neither catches live London Gazette Winding-Up Petitions or Insolvency Act s.127 freezes.
Whether you advance B2B capital or carry C2B Section 75 / “Services Not Rendered” chargeback liability, stopping just one £48.5k–£85k merchant failure pays for 2.5+ years of RecoupIQ.
Run a £0 Historical Loss Backtest on 10–50 past merchant write-offs today. Production shadow pilot is £1,495/mo (30k checks) or £0.05/check with zero lock-in.
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.
Public Registry Throughput Caps
Public government portals enforce aggressive rate limits and carry zero uptime SLAs. Attempting unbuffered lookups synchronously on live settlement rails causes severe timeout cascades and stalled payment pipelines.
The Section 127 Clawback Hazard
Under UK insolvency law, payments disbursed after a winding-up petition is presented are legally void. Court-appointed liquidators can claw back these funds directly from payment processors and platforms.
Clearance 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 intercepted when legal ownership of funds has terminated or where disbursements are legally void by Act of Parliament.
Continuous statutory insolvency defense. Prevents liquidator clawbacks under Section 127 before morning disbursements leave the bank.
Identifies dissolved entities or active compulsory 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 solvency assessment identifying severe asset-liability deficits before default occurs.
Detects rapid director flight patterns that historically precede merchant abandonment and fraud.
Flags sudden entity 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.
Evaluates creditor seniority to identify whether merchant claims will be subordinated in insolvency.
Detects auditor-flagged material continuity risks in filed financial statements.
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 ES256 signing key and a 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, clean filing and solvency history, no insolvency notices or governance defects.
{
"schemaVersion": "transaction-decision-v1",
"decisionId": "dec_00000001_clean",
"transactionId": "txn_payout_88219",
"idempotencyKey": "wire_clearance_20260905_001",
"decidedAt": "2026-09-05T06:00:12.418Z",
"policyVersion": "psp-default-policy-v1",
"policyResult": "CLEAR_FOR_POLICY",
"analysisStatus": "COMPLETE",
"reviewRequired": false,
"reasons": [
{
"code": "SNAPSHOT_CLEAR",
"category": "risk",
"severity": "low",
"message": "Precomputed company-risk snapshots met the configured transaction policy.",
"partyRole": "system",
"evidenceIds": [],
"statutoryBasis": null
}
],
"partyFindings": {
"payee": {
"role": "payee",
"companyNumber": "00000001",
"snapshotId": "sandbox-snapshot-00000001",
"snapshotStatus": "COMPLETE",
"identityStatus": "MATCHED",
"riskBand": "low",
"confidence": "high",
"asOf": "2026-09-05T06:00:00.000Z",
"expiresAt": "2026-09-05T07:00:00.000Z",
"matchedSignalCodes": [],
"evidenceIds": []
}
},
"certificate": {
"schemaVersion": "transaction-decision-certificate-v1",
"certificateId": "cert_dec_00000001_clean",
"status": "ISSUED",
"issuedAt": "2026-09-05T06:00:12.418Z",
"hashAlgorithm": "SHA-256",
"decisionHash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
"signingKeyId": "https://recoupiq-vault.vault.azure.net/keys/transaction-decision-signing/v1"
}
}Transparent Pricing
Engineered for Live Settlement Economics.
Priced at pennies rather than £5 bureau reports, making continuous payout clearance financially viable.
30-Day Certified Shadow Pilot
Fast-track technical verification for PSP, acquirer, and embedded lending risk teams to validate sub-150ms latency, run a 50-CRN historical loss backtest, and shadow-score live UK merchant payouts.
- 30,000 monthly pre-payout checks included (£0.05/check)
- £0 50-CRN Historical Loss Backtest included
- Instant
riq_live_*&riq_test_*API keys - Direct founder & engineering Slack/Teams support
Production Clearance Tier
Full wire-interceptor access with pre-computed snapshots, cryptographic decision certificates, and 99.95% uptime SLA for high-throughput settlement pipelines.
- 100,000 monthly checks included (£0.035/check)
- Volume overage: 3.5p – 5p per check
- Signed decision certificates (SHA-256 / ES256 audit proof)
- Real-time Gazette Rule 7.10 & director-exodus webhooks
Test Your First Clearance Payload in 60 Seconds.
Mint a self-serve riq_test_* key, query our deterministic test fixtures (00000001–00000004), or run the 10-Merchant Historical Loss Backtest right in your browser.
RecoupIQ Ltd • England & Wales #16947526 • ICO Registration #ZC077511 • contact@recoup-iq.tech