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PAYMENTS ARE WHERE BANKING MEETS BUSINESS.PAYMENTS × AI × OPEN BANKING

Change.
Or be left behind.

Your business customers’ expectations are changing. Their banking relationships are up for grabs. PayTech Neo combines deep payments expertise, AI and Open Banking to deliver Precision Banking—helping financial institutions become the bank businesses choose, and keep choosing.

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OUR STARTING POINT. YOUR EVERYDAY CONNECTION.

It starts
with payments.

A supplier invoice. An employee purchase. A subscription renewal. A payment overseas.

Payments are the banking service businesses use every day. They are also where we come from: banking and payments expertise is the foundation of PayTech Neo.

Daily payment activity creates context around how a business operates and what is changing. AI and consented Open Banking connections help turn that context into relevant conversations, smarter spending and more useful banking.

EVERY PAYMENT TELLS PART OF THE STORY

Payments move.
Banking should too.

Explore how everyday business payment activity can create context for a useful next step.

PAYMENT ACTIVITY

New overseas suppliers

AI + CONNECTED CONTEXT

A business may be expanding

A RELEVANT NEXT STEP

Discuss international payment needs

Engage

Illustrative scenarios. Signals need context; recommendations support human judgement.

PRECISION BANKING / THE APPROACH BEHIND EVERY PRODUCT

Each business.
Its own context.
The right next move.

Understand each business. Recognise what matters. Deliver the right banking service at the right moment.

Payments provide the context. AI and consented Open Banking connections deepen the understanding. Precision Banking turns it into relevant action—across engagement, recurring commitments, cards and spending.

ENGAGE

Precision in the conversation.

Recognise changing needs with AI-generated prompts for action, through account managers or automated engagement for unmanaged accounts.

SUBTRAC

Precision in recurring spend.

Understand subscriptions and commitments so businesses can make informed renewal and control decisions.

VERO

Precision in financial control.

Connect cards, spending rules and financial insight with the way each business operates.

BUSINESS BANKING, BUILT AROUND PAYMENTS

Understand the business.
Support its next move.

RELATIONSHIP INTELLIGENCE

Engage

AI-generated prompts for action: account-manager-led or automated for unmanaged accounts.

Explore Engage ↗RECURRING SPEND

Subtrac

See recurring commitments, consolidate spend and find better deals.

Explore Subtrac ↗CARDS & SPEND MANAGEMENT

Vero

A flexible card and spend platform for everyday business payments and financial control.

Explore Vero ↗
PRECISION BANKING / RELATIONSHIP INTELLIGENCE

Engage↗

AI-generated prompts. The right action for each relationship.

Bring internal and external data sources together, processed and displayed in real time. Turn payment activity, account behaviour and connected financial context into AI-generated prompts for action—supporting account-manager-led engagement or automated engagement for unmanaged accounts.

Illustrative Engage concept, not a live product screenshot.

Internal and external data, in real time

Combine the bank’s internal payment, account, product and CRM data with external sources, including consented Open Banking connections. Process and display the connected picture in real time so teams can see what is changing as it happens.

AI-generated prompts for action

Recognise changing business needs and surface relevant opportunities, with context for the next step.

Account-manager-led engagement

Give account managers prioritised prompts, the rationale behind them and a suggested conversation or action.

Automated engagement for unmanaged accounts

Use relevant prompts to initiate personalised engagement through agreed digital channels and bank-defined rules.

Learn from every response

Capture engagement and outcome feedback to assess relevance and refine the next action across both routes.

PRECISION BANKING / RECURRING SPEND

Subtrac↗

Stop paying on autopilot.

Bring subscriptions, software licences and recurring commitments into view. Help businesses consolidate spend, find better deals and take control of what they pay for.

Illustrative Subtrac concept, not a live product screenshot.

See the commitments

Bring plans, users and renewal dates together.

Find the overlap

Review duplicated services and licences that no longer match business needs.

Act before renewal

Use alerts and agreed payment controls to support timely decisions.

Keep access aligned

Connect licence reviews with staffing and business changes.

Consolidate spend

Bring overlapping services and purchasing across teams together. Identify opportunities to consolidate licences, subscriptions and supplier relationships.

Find better deals

Review pricing, plans and alternatives. Use a clearer view of recurring spend to identify better-value options and support renewal negotiations.

PRECISION BANKING / CARDS & SPEND

Vero↗

Give every payment a purpose.

A modular, bank-branded card and spend management platform for businesses. Connect virtual cards, approvals, expenses and AI-supported financial insight in one proposition. Use Vero across business customers, with the option to tailor it for a particular sector.

Illustrative Vero concept, not a live product screenshot.

Cards with context

Support teams and purchasing needs with virtual cards and spending controls.

Finance in focus

Bring transaction activity, receipts and budgets closer together.

Ask. Understand. Decide.

An AI Finance Assistant explores patterns, budget pressure and potential anomalies.

People stay in control

Support authorised approvals and actions with transparent recommendations.

OPTIONAL SECTOR-SPECIFIC PROPOSITIONS

Vero for business.
Tailored when it matters.

Vero is a general card and spend management platform. Precision Banking also means understanding how an organisation operates. Where purchasing patterns or workflows call for a tailored proposition, Agrio illustrates agriculture; travel and hospitality, construction and field services, and NGOs and nonprofits show further concept directions.

The Vero foundation

The shared foundation: cards, spending controls, approvals, transaction visibility and AI-supported financial insight for business customers.

The sector experience

Adapt the proposition to purchasing patterns, cash-flow cycles, team responsibilities and the services that matter in the sector.

Your banking relationship

Bring a relevant, bank-branded proposition into the customer’s daily payment activity.

See the agricultural example: Agrio ↓
Agrio · Agriculture
VERO VERTICAL EXAMPLE / AGRICULTURE

Agrio↗

Built around the business of farming.

Agrio shows how Vero can be adapted for agriculture: a card, spend and embedded-finance proposition shaped around farm and agribusiness workflows, seasonal purchasing and teams in the field.

Seasonal realities

Make financial visibility relevant to changing income and purchasing cycles.

Teams in the field

Support owners and employees with spending oversight and receipt capture.

Useful connections

Explore accounting and banking services through agreed APIs.

A relevant proposition

Shape payment flexibility and controls around the sector’s needs.

MORE WAYS TO ADAPT VERO

Different industries.
Different payment realities.

Alongside Agrio, these concepts show how Vero’s card and spend foundation could be shaped around other sectors.

Travel & hospitality · Concept
VERTICAL CONCEPT

Travel & hospitality

Keep spend moving with the guest experience.

For hotel groups, travel operators and hospitality businesses managing suppliers, properties and teams across locations.

  • Supplier payments: purpose-specific virtual cards for bookings, purchases and approved suppliers, where supported.
  • Property and team control: spending permissions aligned with location, department and responsibility.
  • Expenses on the move: receipt capture and approval workflows for travelling and operational teams.
  • Financial visibility: AI-supported insight into spend patterns and budget pressure across the business.
Explore this Vero concept ↗
Construction & field services · Concept
VERTICAL CONCEPT

Construction & field services

Connect every purchase to the job.

For contractors, construction companies and mobile service teams purchasing materials and managing costs across projects and sites.

  • Project-based spend: cards and budgets assigned to jobs, sites or teams.
  • Controls at the point of purchase: approved purchasing rules and limits shaped around worker responsibilities.
  • Receipts from the field: capture purchase context for review and agreed accounting workflows.
  • Cost oversight: AI-supported insight into unusual spend and emerging budget pressure.
Explore this Vero concept ↗
NGOs & nonprofits · Concept
VERTICAL CONCEPT

NGOs & nonprofits

Keep every payment connected to the mission.

For charities, NGOs and humanitarian organisations managing programme funds, purchasing and field teams across locations.

  • Programme and grant budgets: assign cards and spending permissions to projects, programmes or funding sources, with controls aligned to agreed restrictions.
  • Field-team spending: support authorised staff with purchasing limits and approval workflows shaped around their responsibilities and operating locations.
  • Accountable purchasing: capture receipts, payment purpose and programme context to support expense review and a clearer audit trail.
  • Donor and management reporting: organise spend by programme and funding source to support financial reporting and oversight.
  • AI-supported oversight: surface unusual spending, recurring commitments and budget pressure for finance teams to review.
Explore Vero for your organisation ↗
Crews & crew management · Concept
VERTICAL CONCEPT

Crews & crew management

Keep crews moving. Keep spending in view.

For airlines, vessel operators, crew-management companies and organisations coordinating flight, cabin and maritime crews across locations and assignments.

  • Crew purchasing: assign cards and spending permissions by role, flight rotation, vessel or assignment for approved operational purchases.
  • Travel and crew changes: manage authorised transport, accommodation and other expenses during layovers, flight rotations and crew changes.
  • Provisioning and supplies: organise purchasing limits and approvals around aircraft, vessel or team requirements.
  • Receipts on the move: capture receipts and payment purpose while crews are travelling or working away from the office.
  • Assignment-level oversight: bring spending together by trip, rotation, vessel, crew or project, with AI-supported prompts for unusual activity and budget pressure.
Explore Vero for your crews ↗

These are proposed sector applications of Vero, not launched standalone products. Capabilities, integrations and delivery scope would be agreed with development partners.

HOW THE INTELLIGENCE WORKS

Connect the picture.
Change the next move.

Connect

Bring together the bank’s own data and supported Open Banking connections, with permission.

Understand

AI identifies patterns and changing needs, supported by banking context.

Act

Put relevant recommendations into the hands of relationship managers and finance teams.

Connections and capabilities depend on the product, market and agreed implementation.

WHY NEO EXISTS

Banking should fit
the business being built.

Not the other way around.

We want to change how businesses choose, access and experience banking. AI helps interpret the need. Open Banking connects the picture. Deep payments expertise helps turn that understanding into something useful.

WHAT MAKES NEO DIFFERENT

We know banking.
We challenge
what comes next.

Expertise in the engine.

We start with the everyday payment relationship. Banking and payments knowledge shapes the signals we recognise and the actions our products support.

Your bank, made more relevant.

Bank-branded experiences and API-led integration bring new capabilities into your customer relationship.

Ideas with a route to delivery.

PayTech Group connects product thinking with consulting, engineering, analytics and adoption.

A GLOBAL PERSPECTIVE

Europe / North America / South America / Africa / Middle East / Asia-Pacific

YOUR NEXT MOVE

Put Precision
Banking
to work.

Explore Engage, Subtrac and Vero for your institution. Speak to us about the right solution for your business customers, arrange a product demonstration and discuss adoption.

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