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FAQs

Top questions

Ordo is the first of its kind. It’s an end-to-end fully encrypted messaging and payment service. Super helpful and super safe.

When you’re owed some money, whether you are a business or a consumer, Ordo lets you send your bill via a secure message (we call this a smart request) to whoever owes you. The smart request tells them how much to pay you and what your smart request is for. All they have to do is click the smart request notification to be able to pay you simply, swiftly and securely. All you need from the payer is their email address or mobile phone number – never their bank details.

Your message is encrypted end-to-end (not even we can see it), you choose the account the money will be paid into and Ordo never reveals your account details to your payer. When your payer pays, the money goes to the exact account you want with all the right referencing, making a biller’s heart sing and a payer’s mind peaceful.

Your smart request can contain an invoice, a message from you, a photo or other attachment, all encrypted…..smart.

A smart request is what we call the bill a business is sending to its customer, or when a friend or family member is asking for money back. Why are our payment requests smart? Because they’re:

Simple – you don’t need to know anyone else’s banking details – just their email address or mobile phone number.

Swift – as soon as your payer pays your smart request, the money is in your bank account, 24/7. And we notify both you and your payer when anything happens, like when a smart request has been read or paid, so everyone can keep on top of their finances.

Secure – we use end-to-end encryption to ensure that no-one can intercept the message, and no-one, apart from the biller and payer, can see the contents of a smart request.

Because it’s super helpful. We’ve built Ordo to make requesting payments and paying money simple, swift and secure. Ordo allows you to see all your requests for payment (we call them smart requests), sent and received, in one place so you can keep a bird’s eye view of your money coming in and your bills and expenses going out.

Both sender and receiver, or biller and payer as we call them, are notified instantly when smart requests are sent and money is received.

It’s end-to-end encrypted, just like WhatsAppTM – not even we can see the contents. Smart requests go across our own secure channel, not the internet which is vulnerable to fraudsters. And you never have to share your private financial information (security codes, card details, sort code or account number) with the other party, that’s all done securely within Ordo and never revealed by Ordo.

We make it quick, easy and convenient for payers to pay, and cost effective for businesses.

We’d love to hear from you, good or bad; we’re hoping for more good than bad, but we will listen and take the most helpful action we can no matter which. Please contact us using the link at the bottom left of our website.

If you would like this website privacy policy in another format (for example: audio, large print, braille) please contact us using the link at the bottom left of our website.

Most card and payments providers charge a monthly fee + a rent device fee, + a percentage between 1% and 4% for each payment you receive. We think your money should stay with you. With Ordo we charge one small flat fee, and that’s it! We also give 20 smart requests for free at the signup, so that you can try it out at no cost. If you use it for personal reason, it’s free; each month we’ll give you another 5 smart requests to send for free. (No roll over of unused monthly smart requests). If you’re a business, after the 20 free, the price is a fix fee of 20p+VAT, no matter the amount of the transaction. If you’re an enterprise, we have a dedicated team to support the bespoke service. Please send us an email at info@ordopay.com Contact us for our full pricing here
  1. AIB (NI) Business
  2. AIB (NI) Personal
  3. Allied Irish Bank
  4. Allied Irish Bank Business
  5. Bank of Ireland UK
  6. Bank of Scotland [Business]
  7. Bank of Scotland [Personal]
  8. Barclays [Business]
  9. Barclays [Personal]
  10. Barclays Business
  11. Barclays Corporate
  12. B Bank
  13. Cash Plus
  14. Chelsea Building Society
  15. Clydesdale Bank
  16. Coutts & Co
  17. Cumberland Building Society
  18. Danske Bank [Business]
  19. Danske Bank [Personal]
  20. First Direct
  21. Halifax Personal
  22. HSBC Personal
  23. HSBC UK Business
  24. Lloyds [Personal]
  25. Lloyds [Business]
  26. Monzo
  27. M&S Bank
  28. Nationwide
  29. Natwest
  30. Natwest Bankline
  31. Revolut
  32. Royal Bank of Scotland
  33. Royal Bank of Scotland Bankline
  34. Santander
  35. TSB Bank
  36. Ulster Bank (UK)
  37. Virgin Money
  38. Yorkshire Bank
  39. Yorkshire Building Society

Ordo and your bank

You pay smart requests directly from your bank account. Your security and account details aren’t displayed by Ordo to anyone. Ordo gives the payment details to your bank and you confirm with your bank that you want to make the payment, and that’s it.  No more typing in other people’s account details – so no risk of mistyping and paying the wrong person.

Ordo uses Open Banking. Open Banking allows technology firms like Ordo to talk directly with the banks, allowing you to request and make payments simply, swiftly and securely.

Ordo and Open Banking are technically secure, really simple to use, and leave you in control; which is how it should be.

This is down to how the banks have built for this technology. Your account balance only gets as far as our so-called “middleware” (a place in the middle of our technology), we don’t use or store this information and no one at Ordo sees it.

Ordo takes you into your own bank domain to authorise the payment. Once you’re there, we can’t do anything about your bank’s functionality. Here are some of the common hitches with the banks we know about and either a workaround we’ve found or what we’re doing about it:

General

  •  Business Current Accounts at your bank can only be set up as a Biller Account for Business profiles in Ordo.  If you try to connect a Business Current Account to a Personal profile, we’ll reject this.
  • A number of banks are beginning to introduce new transaction limits, especially where you haven’t paid a particular beneficiary before. The bank will usually advise you by in-app message or SMS to contact them to verify the payment. If you receive such a message, please follow the instructions to ensure your payment is made.

Barclays

  • To add a joint account as a Billing Account in Ordo, you need the authorisation from both joint account holders. Please note that this is a one-off activity. Here’s how to do this. 
  • If you are a Barclays.net or Corporate user, you need to access Barclays’ iPortal to set the relevant permissions for your staff. Here’s how to do this.
  • Some users have reported issues paying from Barclays accounts when using Safari.  We’re working on a fix, but in the meantime, try using Chrome or other browsers.
  • If you see a message in the Barclays app headed ‘OBA52’, this is because the transaction is larger than their threshold for paying a new beneficiary.  If the request allows you to make partial payments, please make a payment of less than £100 initially. You should be able to then pay the balance; currently this would be the next day – but Barclays are making changes to allow the balance payment to be made the same day.

Bank of Scotland, Halifax and Lloyds 

  • If you are using internet banking on a desktop/laptop, the bank will send you a one-time passcode via SMS to verify the transaction.  If you are using the mobile banking app, they will ask you to contact the bank to confirm the transaction.  It is likely that once you’ve spoken with them, you will be asked to make the payment again; just follow the link/scan the QR code you received and the payment should go through.

CashPlus

  • The confirmation of your payment being made can be a little slower than with other banks. We check regularly and update the status of your payment once CashPlus tell us. In the meantime it will show as “Payment in progress”.

Chelsea Building Society

  • Chelsea Building Society will only allow payments of £1.00 or more. If you are trying to part pay a smaller amount or the smart request is for less than £1.00, please either pay from another bank or pay the biller via another method.

HSBC – business

  • Some users have reported issues paying ‘new beneficiaries’ with HSBC’s Business Banking App. Please update to at least version 2.11.0 of their app which contained a fix for this issue.

Natwest, RBS and Ulster Bank

  • Please make sure you’re on at least version 6.5.1 of their mobile banking apps. If you are Natwest Bankline or RBS Bankline user, please check their guidance on setting up users.
  • NatWest, RBS and Ulster Bank have amended the default transaction limit to £5,000.  You can increase this by logging into your Internet Banking site, going to ‘Payments and Transfers’, then ‘Mange my personal payment limits’ and within that section amend the limit for Open Banking to the level you are comfortable with.

Revolut

  • The confirmation that your payment has been made can be a little slower, but there’s nothing wrong. Whilst this confirmation from Revolut is churning through, your payment will show as ‘Payment in progress’. We check regularly and update the status of your payment as soon as Revolut tell us.

TSB 

  • If you are paying a new beneficiary a larger amount of money, they will send an SMS advising that they are reviewing the transaction, and this will be followed by further instructions (usually to call their Payment Verification Team).  Please do this and their team will be able to complete the payment.

Yorkshire Building Society

  • Yorkshire Building Society will only allow payments of £1.00 or more. If you are trying to part pay a smaller amount or the smart request is for less than £1.00, please either pay from another bank or pay the biller via another method.

We can only work with banks that are signed up to the government’s Open Banking initiative.

Let us know which bank it is you’re trying to find.

Ordo and you

You can pay using Ordo whether you’re a consumer or a business.

When you’ve been asked to pay someone, you can see, at a glance, how much you’ve been asked to pay, who by and what for, and then choose if and when to pay.

The request for payment (we call them smart requests) asking you to pay will have been sent over our secure platform so you can be sure it hasn’t been intercepted and that you’ll be paying the right person.

Ordo populates the account details, reference and amount, so you don’t have to gather any information before paying….it’s simple, swift and secure. 

When you’re asking to be paid, as a business or consumer, you send your bill or payment request (we call them smart requests) simply, swiftly and securely through the Ordo app or website. It’s totally secure and encrypted end-to-end, just like WhatsAppTM. Even we can’t see the contents.

All you need is your payer’s email address or mobile phone number. We don’t reveal your account details to anyone, your payer is instantly notified they’ve received a smart request from you, and they can tap and pay in seconds.

Payment will be in your account instantly, all correctly referenced without you having to do any reconciling…what a time saver!

And we don’t charge a per centage of your transaction or any other hidden fees – once you have your bundle of smart requests, you’re good to go with no costs on top.

You can receive smart requests in Ordo to your email address(es) and mobile number(s). If you’ve signed up one or some and not others, it may be that someone has sent you a smart request to an email or mobile you haven’t registered.

Login and go to Profile and Ordo Addresses and add the email or mobile and your smart request will appear along with the others, helping you keep track of everything.

Make sure you’re on the updated version of your browser, some older versions don’t have the technology for Ordo to function.

If you have an iPhone, download our app (Android app coming soon).

If you are using a Samsung phone, ensure you log into Ordo using the same browser as your phone’s default browser to pay smart requests.

Ordo and security

You pay smart requests directly from your bank account. Your security and account details aren’t displayed by Ordo to anyone. Ordo gives the payment details to your bank and you confirm with your bank that you want to make the payment, and that’s it.  No more typing in other people’s account details – so no risk of mistyping and paying the wrong person.

Ordo uses Open Banking. Open Banking allows technology firms like Ordo to talk directly with the banks, allowing you to request and make payments simply, swiftly and securely.

Ordo and Open Banking are technically secure, really simple to use, and leave you in control; which is how it should be.

Yes. Safety and security are as important to us as they are to you. Ordo has been designed and built with privacy and security as part of its DNA (or its code, more accurately). Ordo encrypts all data at all times using the latest security techniques and messages go across our own secure channel rather than the internet. This means that the whole communication is secure and less vulnerable to hacking and fraud.

We don’t use credit or debit cards so there is no card information to be hacked, bank account information is not included within smart requests, so even if a smart request were intercepted, there is no bank account information to see, and bank account, sort code and security details are never shared by Ordo between biller and payer.

When you pay a smart request, you’re securely taken to your own bank where you confirm your payment so not even we have your secret financial information.

This is down to how the banks have built for this technology. Your account balance only gets as far as our so-called “middleware” (a place in the middle of our technology), we don’t use or store this information and no one at Ordo sees it.

If using Firefox browser (version 96.1.1 2022-01-06) onwards, please note that you will need to enable  ‘Open links in apps’ in the Firefox browser settings in order to complete the payment via your mobile banking app. This is defaulted to off as part of the latest Firefox release and will redirect you to your banking web login unless toggled on.

See here.

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