Nasara Pay insights
Personal and business finance: cross-border payments, FX, safeguarding, and everyday money.
Business Payments and Reconciliation
How to Make Mass Payouts: Paying Customers and Contractors at Scale
How to run mass payouts in the UK: Faster Payments vs Bacs vs CHAPS, payout APIs, safeguarding rules, Confirmation of Payee and international FX transfers.
8 min read
How to Set Up Supplier Payment Approvals
A practical UK guide to setting up supplier payment approvals: dual authorisation, segregation of duties, Confirmation of Payee and new-supplier checks.
8 min read
Invoice Payment Best Practice for UK Businesses
A UK guide to invoice payment best practice: what a valid invoice must include, payment terms, statutory late-payment interest and how to get paid faster.
8 min read
How to Choose a Payments Provider: A Practical UK Guide
How to choose a payments provider in the UK: verify FCA authorisation, understand safeguarding versus FSCS, and compare banks, PIs and EMIs.
7 min read
How to reconcile supplier payments
Learn how to reconcile supplier payments step by step. Avoid duplicate payments, catch errors, and stay HMRC-compliant with this UK finance guide.
10 min read
Bulk and batch payments: paying many suppliers at once
Learn how batch payments work in the UK, when to use Bacs vs Faster Payments, and how to cut the cost of paying many suppliers at once.
10 min readCross-Border and International Payments
How international transfers work, what they cost, how long they take and how to pay overseas staff and suppliers from the UK.
Cross-Border Payroll: How to Pay Overseas Staff Compliantly
A practical UK guide to cross-border payroll. Compare ways to pay overseas staff, and get the PAYE, National Insurance and social security rules right.
8 min read
The best way to pay overseas suppliers in 2026
Discover the most cost-effective and compliant ways to pay overseas suppliers in 2026. Compare banks, fintechs, and FX options for UK businesses.
12 min read
How to send money abroad from the UK: a complete guide
Learn how to send money abroad from the UK cheaply and safely. Compare banks, specialist providers and apps, understand fees and FCA protections.
11 min read
How to make international business payments from the UK
Learn how UK businesses can make international business payments efficiently, reduce FX costs, choose the right payment rail, and stay FCA-compliant.
15 min read
How long do international payments take
Find out how long international payments take by rail, corridor and payment type. Real data from SWIFT, SEPA, BIS and the FSB explained clearly.
9 min read
Cross-border payments explained: how they work, cost and speed
Everything UK businesses need to know about cross-border payments: how money moves internationally, what it costs, how fast it arrives and how to cut fees.
10 min readCurrency and FX
FX Forward Contracts Explained: Managing Currency Risk in Payments
Learn how FX forward contracts work, how they differ from spot trades and options, and how UK businesses use them to lock in rates and protect margins.
7 min read
What Is a Virtual IBAN? A Practical Guide for UK Businesses
A virtual IBAN routes payments to a master account. Learn how vIBANs work, their use cases, and the FCA and EBA rules that apply to UK firms.
8 min read
Currency Risk Management for SMEs: A Practical UK Guide
How UK SMEs can manage currency risk: the types of FX risk, hedging tools such as spot, forwards and currency accounts, and how to write an FX policy.
9 min read
Multi-currency accounts for UK businesses: how they work
Learn how multi-currency business accounts work in the UK, which currencies matter, what they cost, and how FCA safeguarding rules protect your funds.
8 min read
FX margins and the mid-market rate, explained
Learn what the mid market rate is, how banks add hidden FX margins, and how to find a fairer exchange rate for your international payments.
10 min readFees, Costs and Everyday Money
How to compare payment methods, avoid hidden charges, cut banking and transfer fees and budget for everyday money.
How to Reduce International Payment Costs: A Practical Guide for UK Businesses
Cut the cost of cross-border payments. Spot hidden FX margins, compare providers against the mid-market rate, and use the tactics that lower your bill.
7 min read
Everyday budgeting basics: a practical UK guide
Learn budgeting basics the simple way. A warm, practical UK guide to building a budget, sorting income and outgoings, and starting an emergency fund.
9 min read
How to Cut Everyday Banking Fees in the UK
Practical ways to cut UK banking fees: FCA overdraft rules, packaged account costs, charges abroad, and free switching via the Current Account Switch.
7 min read
Card vs Bank Transfer for Business Payments: A Practical UK Guide
How UK card payments and bank transfers compare on cost, speed, settlement and fraud protection, plus how to choose the right method for each scenario.
7 min read
How to avoid hidden fees on international transfers
Banks and payment providers often hide costs inside exchange rate markups. Learn what to look for and how to cut the true cost of sending money abroad.
10 min readFraud, Safeguarding and Security
Chargebacks Explained: How Card Disputes Work and How to Reduce Them
Chargebacks explained for UK merchants: dispute lifecycle, Visa and Mastercard reason codes, scheme monitoring thresholds, and how to reduce them.
5 min read
Confirmation of Payee Explained: How Name Checking Prevents Fraud
A clear guide to Confirmation of Payee (CoP): what it is, how match responses work, PSR expansion to fintechs, and what it means for APP fraud reimbursement.
8 min read
Sanctions screening for payments, explained
Payment sanctions screening for UK firms: legal obligations, how screening works, FCA expectations and what happens when controls fail.
8 min read
Payment fraud in 2026: how to protect your business
UK payment fraud hit £1.28bn in 2025. Learn how APP scams, invoice fraud and card fraud work, and the practical steps to protect your business.
8 min read
How payment institutions safeguard your money
Find out how UK payment institutions safeguard your money under FCA rules, Regulation 23 of the PSRs 2017, and the new PS25/12 supplementary regime.
9 min readPayment Rails and Systems
ISO 20022 Explained: The New Standard for Payment Messaging
ISO 20022 explained for UK fintechs and payment firms: what it is, key message types, CHAPS and SWIFT migration dates, and what richer data means in practice.
6 min read
Payment Gateway vs Payment Service Provider: What Is the Difference
Understand the difference between a payment gateway and a payment service provider, how card transactions flow, and what to look for when choosing in the UK.
6 min read
Request to Pay Explained: A Flexible Alternative to Direct Debit
Request to Pay is Pay.UK's secure messaging framework that lets payers choose when and how to settle bills. Learn how it works, who benefits, and its limits.
6 min read
BACS Direct Credit Explained: How Businesses Pay Salaries and Suppliers
What is Bacs Direct Credit? Learn how the three-day processing cycle works, how to get access via a SUN or bureau, and when to use it for payroll.
6 min read
Standing Orders Explained: How They Work and When to Use Them
Standing orders explained for UK businesses and fintechs. How they work, when to use them vs Direct Debits, setup steps, limits and key limitations.
6 min read
Direct Debit Explained: How Payments and the Guarantee Work
Direct debit explained for UK businesses: the Bacs three-day cycle, key roles, the Direct Debit Guarantee and how to start collecting recurring payments.
6 min read
What Is SEPA and How It Works: A Practical Guide for UK Businesses
What is SEPA? A clear guide to the Single Euro Payments Area, its four schemes, IBAN-based euro payments, and how UK businesses use SEPA after Brexit.
7 min read
PSD2 explained: what it means for UK businesses
A plain guide to PSD2 and the UK Payment Services Regulations 2017: strong customer authentication, open banking, AISPs, PISPs and what firms must do.
8 min read
Open Banking Payments for Business: A Practical Guide
How open banking payments work for UK businesses: payment initiation, Faster Payments, VRP, lower costs, no chargebacks, and the FCA rules that apply.
7 min read
Faster Payments Explained: How the UK's Near Real-Time Payment System Works
Faster Payments explained for UK businesses: near real-time transfers, the current transaction limit, how it differs from Bacs and CHAPS, and who runs it.
8 min read
CHAPS vs Bacs vs Faster Payments: Which to Use and When
CHAPS vs Bacs vs Faster Payments compared: speed, settlement, limits and cost, with a simple guide to choosing the right UK payment rail for each job.
9 min read
SWIFT vs local payment rails: what businesses need to know
Understand the real differences between SWIFT and local payment rails on cost, speed, and compliance. A practical guide for UK businesses paying abroad.
10 min read
IBAN, BIC and SWIFT codes explained
Learn what IBAN, BIC and SWIFT codes are, how each one works, where they are used, and why you need them for international payments from the UK.
9 min read