AccessPay vs BRIAPI AutoDebit

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.

BRIAPI AutoDebit is BRI’s API for collecting recurring payments from customer accounts into a company account. It supports agreed schedules for monthly bills, installments, and other periodic payments that do not require a new manual instruction each time. Companies can register customer accounts, update account details, and deactivate accounts to stop regular debits. Callbacks report debit timing and amount, including variable amounts, and update debit status on the partner side. Use requires the company to be a BRI partner, registration of customer accounts, and customer authorization for BRI to access those accounts and initiate debits. BRI advises companies to prioritize customer data security and privacy. BRIAPI connects third-party applications with BRI services, and eligible users include startups, private and public companies, schools, hospitals, and municipal waterworks. Registered users can receive a testing API key and use a sandbox with example data. Detailed technical documentation is available from BRI’s API team. AutoDebit pricing is on request; BRI says general service fees start at Rp 0 per hit and may be adjusted by agreement.