- Founded
- 1994-01-01 in Hereford, England, UK
- Headquarters
- Whitestone Business Park, Whitestone, Hereford, HR1 3SE, United Kingdom
- enquiries@allpay.net
- Phone
- +44 844-2255729
allpay Limited is a UK-based payments specialist that simplifies the collection and distribution of funds between organisations and their customers. Founded in 1994 by Tony Killeen as Financial Collection Services Ltd, the company has grown from a small operation with two clients and four staff into a market leader serving over 900 public and private sector entities. Headquartered in Hereford, England, allpay processes more than £9.8 billion annually from over 66 million transactions, serving 200+ local authorities, 500+ housing associations, and 4.5 million end customers. The company offers a comprehensive suite of payment solutions including direct debit processing, online and mobile payments via the allpayments app and web portal, prepaid cards, Pay by Link, and a client-facing Payments Hub. allpay is authorised and regulated by the Financial Conduct Authority as an electronic money institution and holds accreditations from Mastercard, Visa, and Bacs. With a workforce of 201–500 employees, allpay has positioned itself as the preferred payment supplier for the UK public sector, known for its security standards and innovative approach to financial inclusion, most recently soft-launching a prepaid Mastercard product called DOSH for the unbanked and underbanked.
Detailed Review
Company History and Founding
allpay Limited was originally established in 1994 by entrepreneur Tony Killeen as Financial Collection Services (FCS) Ltd, focusing on collecting bill payments. The company rebranded to allpay.net Limited in 2000 and subsequently to allpay Limited. Headquartered at Whitestone Business Park in Hereford, the company has consistently invested in physical infrastructure, including a second purpose-built office and production facility completed in 2006.
Business Model
allpay acts as a payment gateway and processing bureau, facilitating transactions between end customers and the organisations they need to pay or receive money from. Rather than offering banking services directly to consumers, it serves over 200 local authorities, 500+ housing associations, NHS trusts, and other public sector bodies in the UK. The company processes over £9.8 billion in payments each year and disburses £430 million annually via its prepaid card platform.
Core Products and Platforms
allpay’s product portfolio includes the allpayments mobile app and web portal for 24/7 bill payments, a Bacs-approved direct debit bureau, prepaid Mastercard and Visa cards for disbursing funds such as benefits and food vouchers, Pay by Link for secure payment links via SMS or email, the Payments Hub client portal for real-time reporting, and DOSH, a prepaid Mastercard account soft-launched in 2025 for unbanked and underbanked individuals. The company also offers Over-the-Counter payments via Post Office branches and Open Banking services with Confirmation of Payee.
Market Position and Regulation
allpay is regulated by the Financial Conduct Authority and the Information Commissioner’s Office, with PCI DSS Level 1 certification and ISO accreditations. It holds accreditations from Mastercard, Visa, and Bacs. The company is a finalist for Technology Partner of the Year at the Northern Housing Awards 2026 and has been shortlisted for the UK National Contact Centre Awards, reflecting its strong position in the UK public sector payments market.
Partnerships and Recent Developments
Strategic partnerships include collaborations with The Bank of London, Enfuce (Fortitude Pledge signatory), PAYA Group, and others. In 2025, allpay launched Open Banking and Confirmation of Payee services to enhance security and enable budget app integration. The company continues to innovate with a focus on financial inclusion, exemplified by the DOSH prepaid card for the unbanked and underbanked.
Ownership and Leadership
The company is privately held and owned by its founder Tony Killeen, who remains involved. Michelle Pacey serves as Managing Director, overseeing all operations. Richard Connelly was appointed Director of Financial Services in a recent announcement. The company employs between 201 and 500 people, primarily based in Hereford, with a strong focus on apprenticeship programmes and learning & development.
Key Products
allpayments
Mobile app and web portal for end customers to make and manage bill payments 24/7, supporting Apple Pay, Google Pay, and Pay by Bank.
Direct Debit Processing
Bacs-approved bureau service for managing direct debit collections, including payment holidays, payer name verification, and bilingual letters.
Prepaid Cards
Mastercard and Visa prepaid card platform for disbursing funds such as benefits, grants, and NHS food vouchers, with card design, printing, and fulfilment.
Pay by Link
Secure payment links sent via SMS or email, enabling quick rent or bill payments, often integrated with arrears management tools.
Payments Hub
Client-facing portal providing real-time data, reports, and controls for payment collection operations.
DOSH
Prepaid Mastercard account for unbanked/underbanked consumers, soft-launched in 2025.
Over-the-Counter (OTC)
Real-time bill payment collection via Post Office branches, originally launched in partnership with the Post Office.
Open Banking & Confirmation of Payee
Services enabling cardholders to share transaction data with budgeting apps and verify payee names for added security.
Offices & Headcount
350 employees (approx.)
Key Persons
- Tony Killeen
Founder and Entrepreneur
Michelle PaceyManaging Director