Statement import
CSV with automatic column detection, OFX and QFX, ISO 20022 CAMT.052, 053 and 054, and SWIFT MT940. Duplicates are recognised and imports can be undone.
RoyalPay Platform
Budgeting your customers will actually open
The RoyalPay personal finance engine, in your brand and your domain. For banks, credit unions, neobanks, employers and financial educators who want to give people clarity about their money without building it from scratch.
Available on request. We have no platform clients yet, so the first partners shape the roadmap with us.
What you get
Everything that runs on getroyalpay.com today, configured for your customers.
Automatic categories
Keyword and rule based sorting in three languages, rules members teach themselves, splits, tags and transfer detection between accounts.
Budgets on payday
Monthly budgets that start on the member’s payday, with rollover, suggestions from past spending and a daily safe-to-spend figure.
Bills and subscriptions
Recurring payments found automatically, with the next date and the yearly cost of every subscription.
Goals, vows and splits
Savings goals with pace, spending vows with streaks, and shared bills with who owes whom.
Insights and reports
Cash flow, categories, top payees, unusual spending, monthly reports and a yearly Royal Chronicle.
How it is delivered
A hosted instance that we run for you. Your customers see your brand; their data stays separated from every other client.
- Your brand
- Your name, colours, logo and domain, in English, Polish and Czech, with more languages on request.
- Your data, your rules
- You are the controller and we process on your behalf under a data processing agreement (Article 28 GDPR). Hosting region agreed in the contract.
- Read-only by design
- The engine never moves money. It reads statements, or data you already hold, and explains it.
- Connects to what you have
- Customers upload statements from any bank on day one. A direct feed from your own systems is built with you during onboarding.
What we ask from you
So that the product stays honest for the people who use it.
- No dark patterns
- No selling of credit or investment products inside the budgeting screens without a clear label and the customer’s request.
- A named contact
- One person on your side for product, data protection and incidents.
- Clear support routes
- You handle first-line support for your customers; our customer service team backs you up.
- A written agreement
- Service levels, data processing terms and pricing agreed in writing before any customer is onboarded.
From first call to launch
First call
Your customers, your goals, your data sources.
Demo instance
A branded instance with sample data, so your team can try it.
Agreement
Service agreement, data processing agreement and security review.
Pilot
A limited group of your customers, with weekly feedback.
Launch
Open to all your customers, with agreed service levels.
Grow together
Quarterly roadmap reviews and new features shared across clients.
Pricing
A setup fee and a monthly fee per active user, quoted after the first call. No revenue share on your financial products.