AccessPay vs BR-DGE

AccessPay connects business finance and back-office systems to banks for payments, collections, and bank statement retrieval. It supports Bacs, Faster Payments, CHAPS, SWIFT, SEPA, and Direct Debit collections, and says it connects finance applications with more than 11,000 banks worldwide. ERP, payroll, and other back-office systems can connect through SWIFT, Host-to-Host, EBICS, sFTP, or API. Its file transformation engine handles formats including CSV, Standard18, and PAIN, as well as less common formats. Fraud and error controls include payment screening, beneficiary checking, sanctions screening, and Confirmation of Payee capabilities. Security measures listed include masked and encrypted transaction data, MFA or SSO login, user access controls, segregation of duties, and audit trails. The platform does not cap transaction count or value, though payment schemes may set their own value limits. Pricing is on request and depends on estimated annual transaction volumes, users, and required configurations and workflows. Initial setup carries a one-time professional services fee of 25%; bank fees are separate.

BR-DGE is a payment orchestration platform that connects businesses with payment services through a single API. Its modular services include Integrate, Connect, Optimise, Vault, Insights and White Label. Optimise lets businesses build payment workflows and route transactions by rules such as currency, value or provider priority; automatic retries are supported. Insights provides live reports on payment successes and failures, performance, acquiring rates and volumes. Vault offers centralised PCI-compliant tokenisation, including a universal token merchants can use to direct card payments to different providers. The company says the platform has more than 400 connections across payment providers, fraud tools and alternative payment methods. Integration choices include a hosted payment page, web, Android or iOS SDKs, and a REST API. BR-DGE describes itself as a PCI Level 1 certified service provider with a SOC 2 Type 2 attestation, both renewed annually, and says its multi-cloud, multi-region architecture can switch servers automatically. It is based in Edinburgh and was founded in 2018. Pricing is on request.