Recover more debt, fairly and flexibly
Raimac helps SME’s, utility companies, councils and payment providers offer affordable, automated repayment plans that improve cash flow and build customer trust.
The problem
Debt recovery today is broken.
- UK utilities write off £800m in unpaid bills every year
- Recovery processes rely on letters, calls and threats that damage trust
- Regulators are demanding fairer treatment and more transparency
Businesses face rising costs and falling recovery rates. Customers are left feeling pressured and ignored.
The solution — Programmable Payments
Raimac replaces rigid, manual processes with automated repayment plans.
Think of it as a payment with instructions built in:
“Take £100 today, then £50 each month.”
Merchants set the rules. Customers choose what works for them. Payments run automatically, fairly, and with full visibility via a dashboard.
Key Benefits
Boost Recovery + Cash Flow
Higher repayment rates, fewer write-offs.
Lower costs
Automation cuts admin, reconciliation and follow-ups.
Build trust + stay compliant
Flexible plans meet consumer need and keep regulators onside.
Integrate fast
Launched in days. Raimac works alongside your current systems.
Trusted by leading payment providers
Our team has built payments businesses before.
With decades of experience at PayPal, in fintech startups and investment banking, we know what it takes to scale secure and compliant payments technology.
Use cases
Today’s priority: Debt recovery
Raimac is already being assed in sectors where structure, compliance and customer retention matter:
- UTILITIES + ENERGY
Affordable instalment plans for overdue bills, reducing write-offs and meeting duty-of-care obligations. - LOCAL AUTHORITIES
Flexible repayment options for council tax or parking charges, improving recovery while protecting public trust.
Expanding applications
Programmable Payments don’t stop at debt recovery. Raimac also supports other industries where flexibility matters:
- TRAVEL + EVENTS
Deposits now, automated balance payments later. - SUBSCRIPTIONS + SAAS
Billing that adapts to usage or seat count - INSURANCE
Pay-per-mile or event-triggered payments.
Flexibility
is the new currency
Control
is the new freedom
Raimac
is here to deliver it
Add payment logic, without changing your stack
Raimac allows businesses to attach simple instructions to a payment, including when it should be taken, how often and under what conditions.
You define the rules. Your customer chooses the plan.
Our platform automates the rest.
How it works...
1
Quick API integration
Connect to your existing PSP or platform in days.
2
Define the structure
Set limits around timing, frequency, deposit and duration.
3
Customer builds their plan
Shared via link, checkout widget or embedded flow.
4
Automated execution
Payments are triggered, tracked and updated in real time, with full visibility and audit trails.
A layer of control for how money moves
Raimac gives partners a practical way to offer flexible payments, without debt, without building from scratch and without touching your core systems.
For PSPs + embedded platforms
- Offer timed or usage-based payments via simple API
- Launch new features in weeks, not months
- Extend your merchant offering without managing credit
- Keep your stack intact, we run alongside it
For merchants + utilities
- Improve cash flow and recovery through fairer payment plans
- Reduce admin, reconciliation and support volumes
- Meet regulatory expectations on affordability and care
- Maintain control over structure and enforcement
For customers
- Set your own plan within clear business parameters
- No credit checks or debt collection
- Transparent terms, flexible timing
- Immediate setup via email or SMS
Ready to recover more, fairly?
Book a call with our team and see how Raimac can improve recovery rates while building customer trust.
Infrastructure that fits how you already work
Raimac is not a gateway, lender or frontend product. It is a payment logic layer designed to plug into existing systems, run on trusted rails and go live quickly.
- Simple API integration with PSPs and payment platforms
- White-labelled and embeddable into your merchant UX
- Works across Visa, Mastercard and Open Banking
- Already being rolled out with ISX and Cashflows
About Raimac
Raimac is a UK-based fintech building infrastructure that allows businesses to define and automate payment flows, without replacing what they already use.
Our mission is to help businesses offer repayment options that align with real-life needs.
Our vision is to make programmable payments a standard part of how money moves, more transparent, more controlled and more human.
We have designed Raimac to be invisible to the end customer.
Yet essential to the business, giving PSPs, utilities and platforms the tools to deliver structured, rules-based payments at scale.
We are led by a team with deep experience in payments, financial infrastructure and enterprise technology, including roles at PayPal, Google-backed startups and regulated fintechs.
What Are
Programmable Payments?
A new standard in payment flexibility
Programmable payments enable businesses to automate, customise and optimise payment transaction flows.
API integration enables the payment processor or platform to unlock intelligent, automated payments.
Programmable payments combine APIs and smart contracts to automate transactions based on predefined rules.
Raimac offers
- Intelligent time-based instalments: Conditional instalment payments
- Usage-based billing: Pay-per-use (per mile, per session, per view)
- Event-driven payments: Trigger payments based on real-time events, milestones or external conditions