Coupay uses bank-level encryption and is FCA regulated to keep the money safe. At Smart Pension, we support over 80,000 active SMEs and we do a lot of user research into their wants and needs; I am really impressed with the sharp focus Coupay has on smart invoicing and open banking payments to make life easier for busy individuals. Based out of London, Coupay is one such startup that leverages open banking and user insights to help small businesses get from sales to cash faster.