The Unified Platform for Smart Finance & Payments

It’s not just infrastructure - it’s orchestration plus intelligence: combining data, verification, decisioning, and payments into a single programmable interface

SOLUTIONS

Smarter Payments. Smarter Credit Control.

fumopay is a unified platform for businesses ready to modernise the way they move money. Built on a proprietary open banking stack, our solution combines real-time account data, dynamic risk scoring, and intelligent repayment orchestration to power every step of the financial lifecycle - from customer onboarding through to collections.

Whether you’re a financial institution, utility provider, retailer, or large enterprise, fumopay simplifies payments and credit control with automation, insight, and adaptability at its core.

Banking Data
Aggregation & Intelligence

Credit Decisioning
& Origination

Payment Processing
& Orchestration

Instalment &
Financing Enablements

Verification

Real-Time Onboarding & Credit Decisioning

Accelerate customer acquisition with instant bank-verified insights. Our platform uses live account data and behavioural signals to assess affordability and risk in real time - making smarter credit decisions from day one.

Automated Payments & Collections

Move beyond legacy payment systems. fumopay enables flexible account-to-account payments, including one-off, recurring, and variable repayments. Reduce friction, lower transaction costs, and maintain cashflow precision.

Adaptive Arrears Management

When things don’t go to plan, our intelligent collections engine kicks in. fumopay uses behavioural data and risk signals to adapt repayment strategies dynamically - helping businesses recover more, without compromising customer relationships.

CEO - Matt Bruton

"We're building the financial intelligence layer for the modern economy – an API-first platform that unifies bank data, credit decisioning, identity verification, and payments orchestration into one seamless stack. From real-time credit origination to embedded instalment plans, we power smarter, faster financial decisions and transactions – on any channel, for any customer."

How it works

ABOUT

The Unified Platform

Our Story

We looked at the financial landscape businesses find them selves in, moving money, managing credit & risk, and thought how would you design this from scratch today?

By providing an intelligent application layer that seamlessly integrates and orchestrates critical financial services components, enabling real-time, data-driven decision-making and streamlined transaction flows.

Our Vision

Fumopay envisions a future where financial institutions, fintech companies and enterprise businesses can build smart, compliant, and adaptive financial products for use at scale with full transparency and efficiency.

Technology

Our cutting-edge technology brings together bank data, identity, credit decisioning, origination, instalments, and payments orchestration into one programmable infrastructure and application layer, empowering businesses to operate with full visibility across the financial stack.