Pay on behalf of
your clients.
Payments On Behalf Of (POBO) lets platforms, payroll providers and treasury teams send payouts from one master account while every payment carries your client’s name as the ordering party. Your clients get local-looking payments in 40+ markets; you keep one integration, one balance and one reconciliation feed.
Your platform pays. Your client’s name shows.
Recipients and their banks recognise the payer they actually do business with, not an intermediary they’ve never heard of. That means fewer queries, fewer returned payments and cleaner compliance trails, without opening a bank account for every client.
Built for platforms that move money for others.
Client as ordering party
Each payout carries your client’s legal name and details as the remitter, so beneficiaries know exactly who paid them.
One master account
Fund a single USD, EUR or GBP balance and pay out for hundreds of clients without separate bank accounts.
Per-client sub-ledgers
Every client gets its own virtual balance and statement, reconciled automatically against the master account.
40+ payout markets
Pay suppliers, staff and partners on local rails like IMPS, UPI, SEPA, FPS, Pix and InstaPay.
KYB on every client
Underlying clients are onboarded and screened, with sanctions and purpose-of-payment checks on each payout.
Audit-ready reporting
Per-client reports and webhooks give you and your clients a complete trail for every payment.
From client onboarding to paid.
- 01
Onboard your client
Complete KYB on the underlying client through the dashboard or API.
- 02
Fund the balance
Top up your master account or allocate funds to the client’s sub-ledger.
- 03
Pay on their behalf
Create payouts that carry the client as the ordering party, singly or in batches.
- 04
Reconcile
Per-client statements and webhooks close the loop for you and your client.
Questions, answered.
What does POBO mean?
Payments On Behalf Of: you initiate payments from your own account, but each payment names your client as the payer, so beneficiaries see who they actually did business with.
Who uses POBO?
Payroll and EOR platforms, marketplaces, payment service providers and corporate treasury teams paying for subsidiaries or clients.
Do my clients need their own bank accounts?
No. Funds sit in your master account with per-client sub-ledgers; Credible handles the naming and reconciliation on each payout.
How is compliance handled?
Each underlying client goes through KYB, and every payout is screened for sanctions and purpose of payment before it is released.
Pay for your clients without opening accounts for them.
Onboard, complete KYB, and start sending payouts on behalf of your clients across 40+ markets.