Regulated finance, with books your regulator can trust.

Payments, e-money, FX and lending firms get the usual books and tax, plus what regulation adds: customer money reconciled every day, capital tracked against your requirement, and regulatory returns prepared on time.

Example company: Paydora Ltd

A UK payments company, authorised in the UK, sending business payments between the UK, Europe, Singapore and Malaysia. Customer money held in safeguarding accounts in GBP, EUR and SGD, and applying for a Singapore licence.

Customer money3 currencies1 shortfall today

Capital headroom£125,00044% above requirement

Next returnIn 6 daysMonthly safeguarding return

Gross margin62.4%After partner costs

Customer money reconciled every day

What you owe customers, from your payments ledger, matched against your safeguarding accounts in every currency. Any shortfall is flagged the same day with what to do.

Safeguarding reconciliation · today1 shortfall

Currency	Owed to customers	Held in safeguarding	Difference
GBP	1,842,300	1,842,300	Matched
EUR	312,450	312,450	Matched
SGD	528,900	527,400	Short 1,500

The SGD safeguarding account is SGD 1,500 short: a payout settled before the customer's money arrived. Top up from the company's own money today and record the reason.

The payments ledger and the safeguarding bank statements are matched every day, and each reconciliation is kept as evidence for the monthly return and the annual audit.

Capital tracked before it becomes a problem

Your own funds against the capital your licence requires, today and for the months ahead, so a fundraise is planned rather than rushed.

Capital headroomBelow target in 3 months

Own funds£410,000

Requirement£285,000Sample figure

Headroom£125,00044% above requirement

Monthly loss£32,000Until break-even

Today£125,00044%
In 1 month£93,00033%
In 2 months£61,00021%
In 3 months£29,00010%

Ting CFO warns you months ahead, so you can raise capital or cut costs before headroom drops below your 20% buffer.

Every regulatory return on one calendar

UK and overseas returns, audits and licence applications in one list, with the figures prepared from your books and ready for your sign-off.

Regulatory returns · next 4 monthsSample calendar

Monthly safeguarding return
UK · In 6 days · Figures from the daily reconciliations, waiting for your sign-off
Ready for review
Quarterly financial return
UK · In 19 days · Capital and income figures drafted by your Ting accountant
In progress
Annual safeguarding audit
UK · In 2 months · External auditor booked; evidence pack building up each month
Scheduled
Licence application financials
Singapore · In 5 weeks · Three-year projections and capital plan, with our partner law firm
In progress
Annual accounts and audit
UK · In 4 months · Starts after the year-end close
Not started

Which returns you file depends on your licence. Your Ting accountant prepares the figures; you and your compliance team approve and submit.

Know what each payment earns you

FX margin, fees and account income against what you pay banking and payment partners, so you can see your margin per payment and price new corridors properly.

Revenue and partner costs · this month48,000 payments

FX margin: £96,000
Transaction fees: £38,400
Monthly account fees: £21,600
Revenue: £156,000
Banking and payment partners: −£41,800
Payment scheme fees: −£9,600
Identity and compliance checks: −£7,200
Gross profit (62.4%): £97,400

Revenue per payment£3.25

Partner cost per payment£1.22Of £58,600 total

Sample data only. Ting does not hold or move customer money and does not give regulatory or legal advice. Licensing, compliance and audits are carried out with our partner law firms, compliance specialists and external auditors, with Ting preparing the financial figures and coordinating the work.

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