Fire Open Payments – New User Interface Guide

Introduction

We are very pleased to announce our new Fire Open Payments User Interface, delivering enhanced branding and less friction in the payments flow.

The aim of this new UI is to provide users (payers) with a more seamless Open Banking payments flow. Our Opening Banking Payments feature enables businesses to accept account-based payments from their customers; if you would like more information on Open Banking follow this link.

The new Fire Open Payments flow provides businesses and merchants with the opportunity to customise the interface by adding their brand to the payments page. Businesses can add their logo, edit the page colouring, and include additional text fields.

This release is designed to remove friction and streamline the payment process. We have shortened the customer journey and enhanced the user experience to provide seamless account-to-account payments.

Enhanced Mobile Flow – less friction.

The new mobile flow is designed to streamline the payment process and provide the user with a better experience. The new flow is now a page shorter and offers a Cancel and Return button to allow payers on the eCommerce journey to return to their shopping cart. The images below show the new user interface and flow.

Fire Open Payments – Mobile User Journey

Enhanced Desktop Flow – less friction.

The desktop flow has been optimised to provide a frictionless user interface and provide the ability for merchants to customise the page. The new desktop flow is also shortened by a page and offers the option of a Cancel and Return button.

Fire Open Payments – Desktop User Journey

 

Customisation of Payment Pages

This new release now includes the capability for businesses/merchants to brand the payment pages.

Fire Business customers may customise everything from the background and text colours, to the text displayed within action buttons and adding their own business logo.

Fire Open Payments – Customising the Desktop Payment Pages

 

Follow up

We would be very interested to receive your feedback. If you wish to follow up please email support@fire.com and why not try the process yourself – scan the QR code below on your mobile or click the link.

Irish Guide Dogs – EUR Donation

Click the link to donate – https://payments.fire.com/j4vv5xkf

Calcutta Connect – GBP Donation

Click the link to donate – https://payments.fire.com/evfilskr

 

Fire Open Payments – New User Interface Guide

Introduction

We are delighted to release improvements to the Fire Open Payments User Interface to all customers. If you are unfamiliar with Open Banking, click here to learn more, but at a high level Open Banking and our payment requests enable businesses to accept account-based payments from their customers.

The most exciting change is that you can now customise the design of the Fire Open Payments pages! In this new update, you can add your business logo, edit the page colouring, and even include additional text fields. If you are interested in making some minor changes to the Open Payments pages, please let us know by mailing support@fire.com and we can schedule a meeting to work through some of your requirements.

We have a couple of other functional changes to the Open Payments flow, but the majority of changes are in relation to the User Interface only. In updating the flow, we have sought to shorten the customer journey and make it more appealing and intuitive across the desktop and mobile interfaces.

Mobile Flow

1. Payment Details Page

The Payment Details Page is the first landing page for customers on the Fire Open Payments journey. They can be redirected here from a merchant’s shopping cart, or scanning a QR Code, for example.

Within the new flow, the user can see both Payment Details and select their ASPSP on the same step, shortening the journey by one page.

Functional Improvements:

  1. The URL of the old second page https://payments.fire.com/{code}/aspsps has now been removed.

    1. The URL of the new first page is still https://payments.fire.com/{code}, but the user will now go directly to the consent page https://payments.fire.com/{code}/aspsps/{aspspUuid}.

    2. If you are routing your customer directly to https://payments.fire.com/{code}/aspsps, you will need to change this to https://payments.fire.com/{code} or https://payments.fire.com/{code}/aspsps/{aspspUuid}.

  2. The addition of a Cancel and Return button. This will return the user to your returnUrl (if specified – otherwise the button will not be visible) with the following URL: {yourWebsite}/return?status=cancelled. You can use this to return the customer to their shopping cart.

    1. This button will be visible up until the user consents to a payment.

Current Pages

New Page

 

The Consent Page contains regulatory text Fire are required to display. At this point, when the customer clicks the ‘AGREE’ button they will be redirected to their third-party ASPSP/bank to authorise the payment.

Current Page

New Page

 

3. Response Page

Once the user authorises the payment via their third party ASPSP/bank, they will return to the response page. On this page, Fire displays the status of the payment to the user, as well as a reference they can use to query the payment.

Current Page

New Page

 

Desktop Flow

1. Payment Details Page

The Payment Details Page is the first landing page for customers on the Fire Open Payments journey. They can be redirected here from a merchant’s shopping cart, or scanning a QR Code, for example.

Within the new flow, the user can see both Payment Details and select their ASPSP on the same step, shortening the journey by one page.

Functional Improvements:

  1. The URL of the old second page https://payments.fire.com/{code}/aspsps has now been removed.

    1. The URL of the new first page is still https://payments.fire.com/{code}, but the user will now go directly to the consent page https://payments.fire.com/{code}/aspsps/{aspspUuid}.

    2. If you are routing your customer directly to /aspsps, you will need to change this to /{code} or /{code}/aspsps/{aspspUuid} if you host the list of banks on your website.

  2. The addition of a Cancel and Return button. This will return the user to your returnUrl (if specified – otherwise the button will not be visible) with the following URL: {yourWebsite}/return?status=cancelled. You can use this to return the customer to their shopping cart.

    1. This button will be visible up until the user consents to a payment.

Current Pages

New Page

The Consent Page contains regulatory text Fire are required to display. At this point, when the customer clicks the ‘AGREE’ button they will be redirected to their third-party ASPSP/bank to authorise the payment.

Current Page

New Page

3. Response Page

Once the user authorises the payment via their third party ASPSP/bank, they will return to the response page. On this page, Fire displays the status of the payment to the user, as well as a reference they can use to query the payment.

Current Page

New Page

 

Customisation Example

As alluded to in the introduction, Fire is excited to offer our customers the capability to put your own stamp on the payment pages.

You can customise anything from the background and text colours, to the text displayed within action buttons and adding your own business logo.

Please feel free to reach out to support@fire.com if you are interested in working on customised options.

Default User Interface

Customised User Interface (example)

Conclusion

We are excited to be launching these changes to our Open Banking and we hope they streamline the experience for you and your customers.

Announcing Direct Debits for Euro Accounts

We are pleased to announce that our business and personal customers may now pay by direct debit from Fire euro accounts. Direct debit is a very common way to pay for utility bills, card acquirer charges, Revenue Commissioners taxes and other regular payments, with the funds taken directly from your account automatically at a specified date. Direct debit payments have been available on Fire sterling accounts for some time, so with the addition of this new feature we hope that more customers will use Fire for more of their day to day payments.

All of your direct debit mandates – the permission you give billers to take funds from your account – are available to see and manage using the Fire online portal.

Managing direct debit payments with Fire

For a euro direct debit to be collected from your account, you will need to provide the direct debit collector with your account name, and your Fire IBAN.

IE IBANS – all your euro Fire account are issued with “IE” IBANs so there should be no issue with businesses collecting funds from your Fire accounts.

Disable DD collections – your euro Fire accounts are by default enabled for direct debit payments. You may disable the collection of direct debits for each account using the “Actions” menu.

Notifications – you will receive notifications in advance of any direct debit payments due from your account.

This gives you time to ensure you have the funds to cover the payment, and helps with cash flow planning. If you feel you shouldn’t be paying a certain direct debit, you can cancel the mandate easily to prevent funds being taken from your account (but be sure to let the biller know so they can correct the issue).

Fire already supports payment by direct debit from sterling accounts, so now, with Fire, you can pay by direct debit in both currencies. This new feature is available to all personal and business customers.

Moving from Ulster Bank or KBC?

Fire provides euro and sterling accounts, debit cards, and a range of payment and integration services – check out our full features page for more information. If you are an Ulster Bank or KBC business current account holder you may consider a Fire account as an alternative.

Once your Fire account is open, you will need to contact your billers to give them your new Fire IE IBANs and account details. Check out our Ulster Bank/KBC information page for more details.

We look forward to introducing more features to the Fire business account throughout 2022. If you have any feedback or queries on this feature release, please do get in touch by emailing support@fire.com.

 

Batch API Tutorial

Automating your payout process with batches

In a previous blog post we described the payouts pain point some businesses experience today, how Fire can help automate this process and examples of automated payout processes some Fire customers have implemented today. In this blog post we’ll walk you through the steps needed to set up an automated payouts process in your organisation using payment batches via the Fire API.

Application Set-Up

Firstly, you will need to set up set up a Fire Application to access the Fire API. To do this:

  • Login at https://business.fire.com.

  • Select the “Settings“ Menu.

  • Select the “API” tab.

  • Click “Add New Application“

Give you API Application a name, and select the required permissions.

For this Tutorial we will be showcasing the Batch functionality so select the Batch permissions below:

You then can configure how many approvers are need prior to processing a batch. There are 2 types of approvals:

  • Approvals for adding a new payee for a batch – in line with legislation, you are required to approve new payees on your account using Strong Customer Authentication (SCA). The first time you make a payment to a payee, Fire will send notifications to Full Users so they can approve. This will be a single notification containing the details of all the new payees in the batch. Once a payee has been approved on your account, it is not necessary to approve payments going forward (although you can can opt to approve all payments – see below).

  • Approvals for batches of bank transfers – you can set this to 0 to automatically process batch payments to previously approved payees. This is useful for setting up unattended automated batch payments.

You can also have multiple approvers if you want for either type to enhance security. All full users will get a push notification to approve to their linked mobile devices to approve the batch.

Once you’ve finished above, click “Create“, and take note of your Client ID, Client Key and Refresh Token – the Client Key will not be displayed again.

Note  If you ever accidentally reveal the Client Key (or accidentally commit it to Github for instance) it is vital that you log into firework online and delete/recreate the App Tokens as soon as possible. Anyone who has these three pieces of data can access the API to view your data and set up payments from your account (depending on the scope of the tokens).

Authentication

You now use these pieces of data to retrieve a short-term Access Token which you can use to access the API. This will be set as the Bearer Token in the ‘Authorization’ header for all API calls. For security reasons, the Access Token expires within a relatively short timeframe – there is a 15 minute window to use it.

In order to create an Access Token, you require:

  • Client ID – The app’s Client ID created above.

  • Refresh Token – The app’s Refresh Token created above.

  • Nonce – A random non-repeating number (that is incremented from the previously used value) used as a salt for the clientSecret below. The simplest nonce is a unix time.
  • Client Secret – A Client Secret is the a SHA256 sum of the nonce concatenated with the Client Key: sha256(<NONCE><CLIENT_KEY>)

To retrieve the Access Token, send a POST request to https://api.fire.com/business/v1/apps/accesstokens containing the following JSON body:

You will receive an Access Token and details of the allowed permissions in response:

Once you have the access token, pass it as a header for every API call, like so:

Authorization: Bearer $ACCESS_TOKEN

Whenever it expires, create a new nonce and get a new access token again.

Processing a Batch

The process is as follows:

  1. Create a new batch

  2. Add payments to the batch

  3. Submit the batch for approval

Download a Postman Collection which contains all of the main batch calls you can use to follow along with this tutorial.
In Postman, you can import this collection by copying this URL and pasting it in the import section.

1. Create a new Batch

The first step in making a making a batch payment is creating the batch itself. The batch object can be thought of as a container which you can add multiple payments to which are to be made at the same time. The batch object specifies the name, currency and type of the batch.

There are 2 batch types you can create:

  1. INTERNAL_TRANSFER – All the payments are funds movements between your own Fire accounts.

  2. BANK_TRANSFER – All the payments relate to fund movements outside of your own Fire accounts (e.g to a Payee)

For this tutorial, we will be making a BANK_TRANSFER batch. Send a POST request to https://api.fire.com/business/v1/batches with the following JSON:

  • callBackUrl:An optional POST URL that all events for this batch will be sent to – see the section on webhooks below.
  • batchName: An optional name you give to the batch at creation time. Say January 2018 Payroll.
  • jobNumber:An optional job number you can give to the batch to help link it to your own system.

You will receive the batch UUID in response:

2. Add a bank transfer to a Batch

Now that we have a batch UUID, the next step is to add some bank transfers to the batch. This is done by passing the account details, amount and references to the API. If the account details relate to an existing payee, the batch will be processed as normal. If this is your first time making a bank transfer to these account details, you will get a push notification to your phone to approve the new payees in the batch once you submit the batch in the next step. Once these new payees have been approved you won’t need to approve them again in future batches.

POST the bank transfer details as a JSON object to https://api.fire.com/business/v1/batches/{batchUuid}/banktransfers

You will receive a bank transfer item UUID in response. You can use this UUID to query the status of the payment, or to remove the payment from the batch.

3. Submit the batch for approval

Once you have added all the bank transfers you wish to make, it is now time to submit the batch to make the payments. Send a PUT request to https://api.fire.com/business/v1/batches/{BatchUUID}. This will result in a 204 NO CONTENT response.

Depending on how you configured the API keys above, this may trigger a request for approval to all full users of the account. They can login to the Firework mobile app to view the details of the requests and approve/reject. Once approved, all the bank transfers in the batch are sent out to the payees and the batch process is complete.

Callback/Webhook real-time notifications:

If a callbackURL was specified in the Create Batch API call, you will be notified in real time when payments are submitted, approved and complete. This is a popular feature Fire offers and will allow your systems to make real time updates accordingly.

Below is an image (using webhook.site) to showcase what a webhook call may look like:

Each webhook call will contain a JWT payload (as seen in the Raw Content section) in the body. You can decode this JWT payload token to JSON in your own code, or by going to https://jwt.io for testing purposes. Your system can now receive live updates when Batches are made, approved or submitted.

 

Jake McCarthy is a Product Analyst at Fire with experience across partner payment solutions, transaction monitoring and payment processing.

Comgent

How fire.com streamlined the payment process for Comgent

Comgent is a leading recruitment company that offers on-demand highly-skilled talent with technical expertise for short and long term assignments. Depending on your company’s needs, Comgent can standardise your processes, reduce administrative tasks, and ensure your company is fully compliant with local, national, and international laws, all while providing you with full transparency. Enjoy lower costs, save time, and work with the best talent in the industry.

The Challenge

A significant challenge that companies like Comgent face is allocating too much time on their day-to-day financial processes. Spending time processing payments means less time focused on your core business needs and finding a provider who could streamline the day-to-day finances was a priority for Comgent.

Put simply, Comgent wanted to find a quicker way of getting things done.

The Solution

With Fire, it is super easy to open multiple accounts to manage payments, and even easier to add users to access them. For Comgent, this offered a robust solution with low fees to go along with the package. With the Fire Work online web portal, customers such as Comgent can take advantage of all Fire’s features with just a few clicks.

Fire’s in and out payment transfers are supported via Faster Payments, BACS and SEPA. Transfers between Fire accounts occurred instantly for Comgent, secured and controlled through its multi-user authorisation feature. Ensuring the highest level of security coupled with a smooth user experience is a top priority for us at Fire. These features keep the highest financial security standards in place for customers like Comgent.

From payments to bank transfers, Fire has been able to offer Comgent a quick solution to handling their finances.

The Benefits

Fast, easy account creationsComgent creates new fire.com accounts (with unique IBANs) in real time, without the need to go through an application process.

Quick transactions, quick authentication process Comgent has immediate access to Faster Payments and BACS for Sterling payments and SEPA for Euro payments. They use multi-user authorisation for approving transactions for increased security and control.

Great customer service – Comgent have access to Fire’s trained support team, available via phone and email, quick to respond to questions.

Efficient websiteComgent use Firework online to seamlessly manage their Fire accounts.

Q&A with Comgent

Why did you choose Fire?

Fast response time on any requests. Great customer service – any time we had any issues, they were quick to reply and assist. Fast and easy to open new accounts and add users. Generally low fees. Very fast incoming and outgoing payments – minutes instead of applying incoming at end of day or delaying outgoing by up to two days for ‘standard’ transfers.

Efficiency of the website, use of modern security best practices with fast authentication for login and financial transfers and payee management.

How is the Fire Business Account helping you to solve the problem/s your business faces?

Not losing time making/receiving payments means we have more time to focus on our core business.

Testimonial

“Fire is offering us a great financial service that helped us reduce the time and resources needed to handle financial transactions. From authentication to quick payments, the whole process is intuitive and prompt.”

Comgent

Visit Comgent’s Website here.

 

 

Fire Open Payments – What does the Payments Journey look like?

Open Banking Payments provide a disruptive alternative to online payments, but what does an actual payments journey look like for a customer? If you have been following the fire.com blog over the last number of weeks, you may have noticed that we have quite a number of Open Banking Payments initiatives, from the Irish Guide Dogs Day through to our own Open Banking Terminal. These are exciting developments, both for us as a company, but also within the larger Open Banking sphere. However, quite understandably, the concept of Open Banking and Fire Open Payments is still an unknown to the vast majority. That is the inspiration for this blog post – to shed some light around the Fire Open Payments journey and, hopefully, prompt more of you readers to consider trialling the process yourselves!

 

The Open Banking journey with Fire Open Payments

For this particular journey, I am on an e-commerce website and want to purchase a baguette from my local bakery – Tasty Bakery.

Similar to any e-commerce flow I select my products, and go to the “Checkout”. After entering my Delivery Details I then proceed to payment. At this point most of us would be used to fumbling around for our purse/wallet, then squinting to transcribe the card number into the website.

However, with just a tap of a button, I am redirected to the Fire Open Payments journey.

I select my bank of choice from the list.

I bank with Natwest, so I’ll select them from the list. I then consent to the payment, which will redirect me to my Natwest banking app.

I will be prompted to log in to my Natwest app to authorise the payment. This part of the journey will be dictated by the bank itself in terms of how it designs their app flow.

This is an important part of the journey; it ensures that the customer who initiated the payment is the account owner and not attempting to make a payment fraudulently.

After scanning my fingerprint, I select the account I wish to pay from.

A quick tap of the ‘Account Selected’ button and I can authorise the payment.

Thankfully my account balance just stretches to cover the payment and I will be able to complete the purchase!

I will then be returned to my browser where I see that the payment has indeed been successful. I can request an optional receipt before returning to the merchant website, where I will hopefully be informed that my baguette will be delivered fresh from the oven.

Conclusion

There you have it, I’ve managed to make a payment through Fire Open Payments. The main benefits to my mind is the flow itself and the enhanced security. I never had to divert my attention from my phone to complete the payment; everything is contained within my browser and banking app. Having the flexibility to choose the account to pay from, coupled with a live view of my account balance was a bonus too.

This process provided that added assurance by authenticating the payment using my fingerprint – I was confident that no one could fraudulently create a payment on my behalf without access to my thumb! Also, if you’re security-conscious like me, I never save my card details within the browser, so I regularly find myself leaving the comfort of my couch to retrieve my debit card to enter my card number. This step was completely bypassed through Open Banking.

If you are curious about trying the process yourself, scan the QR code below or head over to https://www.www.fire.com/donate to make a small donation to Calcutta Connect and trial the Open Banking experience.


Setup your account today and get started with Fire Open Payments

Eoin Kent is a Product Analyst at Fire with experience working on Open Banking solutions – from APIs to UI/UX and everything in between.

Open Banking Terminal by fire.com | Point of Sale (POS) App

Introduction

The way in which merchants accept payments and the devices/terminals used to facilitate these transactions have undergone quite the evolution over the past 70 years. Merchant acquiring technology now comes in many form factors tailored to the business needs of each merchant case. Although, over this time cards have remained the primary payment method which consumers rely on. The introduction of open banking payments unlocks the potential for a new paradigm shift away from cards and towards account based payments. Merchants are beginning to realise the benefits that come with this new payment mechanism and consumers are becoming familiar with a new payment flow.

In this blog post we’ll:

  • Cover a brief background on the evolution of merchant devices and consumer payment methods.

  • An overview of open banking payments and the benefits they can provide to merchants.

  • Introduce the Open Banking Terminal by Fire – transforming your mobile device into a point of sale terminal ready to accept open banking payments straight into your Fire Business Account.

A Brief History of In-Person Payments

When looking back at the evolution of in-person payments we’re going to be focus specifically on the consumer payment method – how are funds exchanged between the merchant and consumer and how quickly does the merchant receive the funds?

Evolution of consumer payment methods over time

The primary consumer payment method by and large remained unchanged until the first big shift from cash to card payments with the introduction of the Diner’s Club charge card in 1950. Since then, we’ve seen card technology go through many iterations from the conception of  the card networks in the  1950’s, the introduction of the magnetic strip in the 1980’s, EMV technology in the 1990’s and mobile wallets in 2008. All leading to more secure and accessible card payments. Although incremental improvements were made over that time the primary consumer payment method largely remained the same, a card payment. The same financial players are involved: issuers, merchant acquirers, card networks and numerous intermediary service providers. Open banking payments help facilitate the next big shift in consumer payment methods from card to account-based payments.

Open Banking Payments and its Benefits to Merchants

As covered in our previous blog post, “Open Banking Payments – What needs to happen next?”, open banking payments in the EU and UK can be traced back to the introduction of the second Payment Services Directive (PSD2) and it’s associated regulatory technical standards (RTS).

With these account based payments there are a number of benefits for merchants and consumers alike:

  • Cost-Effective – No hardware required. Accepting payments through the Open Banking Terminal is cheaper than other ways to get paid. No monthly or recurring fees, just one low transaction fee and reduced chargebacks.

  • Quicker Settlement – By executing payments via Faster Payments (Sterling) or SEPA (Euro), funds settle into your Fire Business Account quickly – within 6 business hours. Reconciliation is automated.

  • Less Fraud – The Open Banking Terminal is one of the safest ways to collect payments. No personal credentials are needed, reducing the risk of fraud.

The Open Banking Terminal by Fire

With the introduction of the Open Banking Terminal by Fire, merchants can realise the benefits of the shift towards account based payments from within the Fire Business Mobile App. Allowing any merchant to quickly accept ad-hoc payments from their customers on the go and have collect the funds straight into their Fire Business Account within 6 business hours.

  1. Enter the amount to be paid in the Fire Business Mobile App.

  2. A QR code is generated in the app to be presented to the customer to scan.

  3. The customer scans the QR code and picks their bank.

  4. The customer consents to the payment.

  5. The customer are redirected to their Bank’s mobile app.

  6. The customer reviews and authorises the payment from within their Bank’s mobile app.

  7. The customer and the business receive confirmation that the payment was authorised and will be processed.

Check out our announcement video to see the full Fire Open Payments Terminal flow in action here.

fire.com is one of the UK and Ireland’s major Open Banking providers. To get your hands on the Open Banking Terminal by Fire and start accepting Open Banking Payments today, set up a free business account and download the Fire Business Mobile App today.

Jake McCarthy is a Product Analyst at Fire with experience across partner payment solutions, transaction monitoring and payment processing.

Circit

How fire.com brings value to businesses with real-time FX transfers

Circit is an online platform that helps audit firms perform higher quality audit engagements, collaborate with clients, and instantly verify assets at source.

The Challenge

Circit’s challenge was to find an online account provider that would allow them quick access to multiple accounts, allow them to easily receive payments in both euro and sterling as well as provide a competitive rate for foreign exchange services. Finding an instant FX solution with effective pricing was a core point of consideration when they were looking at potential solutions.

The other aspect that Circit needed to consider was to keep account reconciliation as simple as possible.

The Solution

FX Transfers is one of fire.com’s core features on our platform. When Circit signed up for a free fire.com business account, they were able to avail of our multiple accounts and instant FX transfers with the ability to receive money in both currencies, all at a competitive rate. As well as offering these features, fire.com were able to assist Circit get setup easily with our support team.

Today, Circit have met all these needs with fire.com’s business account. The account also provides compatible uploads for Circit’s finance system as well as providing enhanced security features on all of their Fire accounts including multi-factor authentication and real-time notifications on account activity.

The Benefits

Creating multiple accounts in real time – Circit creates new fire.com accounts (with unique IBANs) in real time, without the need to go through an application process.

Real-time foreign exchange at an interbank rate– Circit now has the ability to convert funds instantly at a competitive rate 24/7, with adjusted pricing as volumes increase.

Access to a range of payment services – Circit now has access to Faster Payments and BACS for Sterling payments and SEPA for Euro payments.

Enhanced security and control – Circit uses multi-user authorisation for approving all transactions for increased security and control. In addition, Circit receive real-time notifications when payments are made or received into their fire.com accounts.

Efficient customer support – a trained support team, available via phone and email, quick to respond to questions.

Testimonial – Q&A with Circit

What attracted you to a Fire Business Account and what was the challenge or problem that led you to seek out an enhanced business account?

Quick access to accounts, and payments in new currencies. We needed access to a bank account in a new currency at short notice, to allow us to make and receive payments – we are able to do this instantly with Fire. Fire allowed us to set up a GBP bank account quickly and easily, so that we could serve our UK customers.

What features do you make best use of or like most?

FX – quick and easy to move funds between currencies, same day payments

Testimonial

Fire allowed us to quickly open new bank accounts as needed. The instant FX transfers are quick and convenient, and help us to manage our cash flow. Reconciliation is simple with the compatible uploads for our finance system, and I love that we get notifications when payments are made or received!

Clodagh Vance, Chief Financial Officer

The Circit website can be found here.