With Apron, you can pay suppliers, contractors and payroll in one go with a single transaction, even if the payees are in different countries.
How payment processing works
The process starts when you send us funds by Open Banking, bank transfer, or card payment. We then distribute the money to your recipients according to your instructions.
Two types of payments: immediate vs scheduled
Immediate payments (bills and suppliers)
For regular supplier payments that you want to send right away, we process your payouts immediately. In most cases, this takes no more than 20 minutes from the moment you authorise the payment.
During this brief processing window, we hold your funds temporarily to ensure efficient distribution to all recipients. If we anticipate any delays, we'll notify you before you proceed with the payment.
Scheduled payments (payroll)
When you schedule payroll for a future date, the timing works differently. Money leaves your account when you authorise the payment, but we hold the funds until your specified payment date. We then release payment to your employees between 03:00 AM and 07:00 AM on your chosen date.
Benefits of this approach
Our payment processing method offers several advantages:
One transfer covers everything – Pay multiple suppliers and employees with a single transaction.
Multi-currency support – Handle GBP, USD, EUR, and 35+ other currencies in one go.
Future scheduling – Set payroll dates in advance without worrying about timing.
Streamlined processing – No need to manage individual bank transfers.
Apron Wallet for your Apron Card
We also offer a Wallet feature for funding your Apron Card. When you add funds to your digital wallet, we securely hold your money in a designated account that's completely separate from our own funds.
Your wallet balance represents e-money that we've issued to you in exchange for your deposit. This means your funds are fully protected and segregated at all times. You can hold money in your wallet for as long as you need and use it for Apron Card payments whenever you choose.
All wallet funds are safeguarded under our Electronic Money Institution licence and regulatory protections, giving you complete confidence in the security of your money.