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Frequently asked questions

What is Ordo?

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 your account details are never revealed to your payer. So 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…

What is a smart request?

A smart request is what we call the payment requests that billers send to payers.  Why smart?  Well, it’s because we have designed the service to be simple, swift and secure.

Simple; you don’t need to know anyone else’s banking details – just their email address or mobile phone number – to be able to send them a smart request.

Swift; as soon as you send a smart request, it is visible to the payer, any action they take is notified to you instantly.  And most importantly (we think), as soon as they pay, the money is straight into your account, 24/7

Secure; we use state of the art end-to-end encryption to ensure that no-one, not even us, can see the contents of a smart request – other than, of course, the biller and payer

Why Ordo?

Because it’s super helpful. Here’s how: We’ve built Ordo to make requesting payments (we call them smart requests) and paying money simple, swift and secure. Ordo allows you to see all your 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.

How does Ordo work with my bank?

When you pay a smart request, you do so directly with your bank.  Your security and account details are not disclosed to anyone; not Ordo, not your biller. Ordo gives the payment details to your bank and you just 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.

I'm a payer - why's this good for me?

Whether you’re a consumer or a business, you are in for a treat! Ordo enables payers to, at a glance, securely and easily see what you’ve been asked to pay, who’s asked you, what your payment is for, and then choose when to make, or not make, the payment.

If you’re expecting the payment request (we call them smart requests) and you’re happy to pay, you just click and you’ll be taken to your bank.  They will ask you to verify yourself using your normal mobile or internet banking details.  Don’t worry, this is invisible to us and everyone else.  Once you’ve done that, the payment will be there, waiting for you to authorise it.  Finally, you’re automatically brought back to Ordo, where you will see the smart request satisfyingly ticked off the list, done and dusted (we love a bit of dusting).

If your biller allows it, you may be able to ask for more time to pay or pay your bill in instalments if that’s better for you….all from the Ordo app.

And you don’t have to find any emails or bits of paper containing reference numbers or account numbers or remember the amount, it will all be in the smart request.…simply, swiftly and securely.

We love it. As much as we love tea.

I'm a biller - why's this good for me?

We’re glad you asked! For billers (businesses or consumers) Ordo enables you to send bills (we call them smart requests) simply, swiftly and securely, through the Ordo app or website direct to your customers/people that owe you money (we call them payers). It’s totally secure and encrypted end-to-end, just like WhatsAppTM.  Even we can’t see the contents.

All we need to know is the payer’s email address or mobile phone number and how much and when you want them to pay.  Then select the account where you want the money to go.  We only give this information to the payer’s bank – we don’t show this to the payer themself – so that the money will come to where you want it.  Add your own reference, which the payer can’t change, so you can easily recognise and reconcile your payment as soon as it comes in.

Ordo enables you to be able to see, at a glance, simply, swiftly and securely, what’s due and overdue. And you don’t have to gather and worry about securely storing lots of private and financial information about your payers….one less thing to keep you awake at night.

Both billers and payers are notified when a smart request or money is sent and received, and you can see when your smart request has been read, with your payer being able to contact you through Ordo if they need to. So everyone knows what’s going on at all times…smart.

If you’re happy to and want to be helpful (we like it when people are helpful), you can allow your payers to request an extension to your smart request or pay in instalments if that’s better for them.  The original date and amount is recorded in the smart request history that’s always visible to both the biller and payer, and the responsibility for paying the full amount of the smart request remains with the payer until either they pay the full balance or you cancel the smart request.

We’ve designed Ordo to be fab for everyone. We love it. As much as we love tea.

When can I use Ordo?

We are currently working hard on building Ordo and making it useful, helpful and secure for everyone. We will be launching a pilot service at the end of 2019 and we are super excited! Ordo will be available 24/7 both online and via our app from Spring 2020.  So you can choose how and when you use it. If you would like to be the first to hear about our launch, or want to be one of the first to try out the first service of its kind, sign up here….this is your chance to shape Ordo.

Is Ordo safe?

Yes. Safety and security are as important to us as they are to you. Ordo is designed and built Ordo from the beginning 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 between biller and payer.

When you pay a smart request, you’re securely taken to your own bank where you verify your payment so not even we have your secret financial information. You’re then brought back into the secure Ordo app or web interface where you can continue managing your finances and seeing the status of your smart requests sent and received.

Get in touch...

Financial peace of mind is important and we’re working at making it easier to have.

We also like listening and chatting,

so if you’ve got any feedback or ideas, we’d love to hear from you.

Contact us