For solar and renewables installer software
Four figures on deposit. Five on completion.
Synapto is the embedded payments partner for UK solar and renewables installer software. Solar, heat pumps, batteries and EV chargers are among the largest things a household buys. Your software quotes them, schedules the install and stages the payments. The money runs through a gateway your installer connected on their own.
How the money moves
The staged payments your software already schedules for every install. Each stop is a deposit or stage payment your installers take today, through a provider each one arranged separately. We move those installs onto payments inside your product: each installer is settled in full, and your margin is paid monthly.
Big money, staged, with certification hanging off it.
An install is not one payment. There is a deposit on acceptance, a further advance payment before the kit is delivered, and a balance on commissioning once the MCS certificate is issued and the installation is on the database. Your software already understands that sequence, because the sequence is tied to the job status you track and to the DNO notification sitting alongside it.
After that comes the long tail: monitoring, service visits, O and M contracts. Recurring money, on the same customer, for years. None of it is a revenue line for the platform that made it possible.
The commercials
What installer payments can earn your platform
Most of your installers already take survey deposits and stage payments, each through a provider the business arranged on its own. We move them onto payments inside your product, in your name and in planned groups of installers, and build the deposit, stage and completion products that keep them there. Each installer is settled in full at every stage, and your margin is paid to you monthly.
Very few small business categories move sums this size. A payment layer over high-value staged work produces a revenue line per installer that does not depend on transaction count, and it gives your installers pricing agreed to their real volume rather than a published rate that costs them most exactly where the tickets are biggest.
- Your own subscription revenue on agreed terms
- A share of deposits, stage payments and completion balances
- Plus the recurring monitoring and maintenance flow
- Pricing agreed to volume, which matters most at this ticket size
- Commercials in writing before you build anything
The rails
Staged payments tied to the job
Payment requests fire from the job status your software already holds: deposit on acceptance, further advance payment before delivery, balance on commissioning. Each carries the job reference so it reconciles itself rather than arriving as an unmatched bank line.
Note what we are not offering, because it is the tell for whether a payments company has read your sector. RECC and HIES cap the deposit at a quarter of contract value, cap deposit plus advance at sixty per cent, require both to be insured, and hold that protection for a hundred and twenty days. Anyone selling your installers on taking bigger money up front is selling them a code breach. The work is to make the permitted payments clean and fast, not larger.
Monitoring and maintenance collect by Direct Debit on UK rails, which for a small monthly amount over several years is cheaper than card and does not fail when a card is replaced.
- Payment requests driven by job status, with the reference attached
- Deposit and advance handled inside the RECC and HIES limits
- Balance released on commissioning, not on a calendar date
- Direct Debit for monitoring and maintenance, on UK rails
- Clean refunds if a survey rules a job out
The weight
Large deposits and how risk checks work
A five-figure payment from a first-time customer to a young installation company is the textbook shape a payment provider decides to look at, and looking at it means holding it. That happens while an installer has already ordered the kit.
We underwrite the installer's actual trade at onboarding, including the ticket sizes and the seasonality, and state the arrangement in writing rather than adjusting it after the first big job. Disputes come to us, by name.
- Ticket sizes understood at underwriting, not queried afterwards
- No first-payout hold. Timing agreed with you
- Disputes and chargebacks handled by us, by name
- Merchant boarding and verification ours
From first call to first revenue
Book a payments review
Bring your installer count and a typical install value. We show you what the staged flow is worth, in writing.
Scope the integration
Payment requests tied to job status, then Direct Debit for the monitoring and maintenance tail.
Board your installers
Underwritten for the ticket sizes they actually handle, onboarded by us, with the checks done up front.
Earn on install and after
The staged payments and the recurring tail on one revenue line, with a named person for both of you.
Questions
Yes, and it is usually the deposit, the customer contribution and the whole maintenance tail. Finance covers the funded portion; the rest is real card and Direct Debit volume that currently earns you nothing.
With the installer, as it does today, because they are the merchant and the contracting party. What changes is that the person they ring about a disputed payment can see it and explain it. We will go through the specifics with your team rather than gloss it.
The installer. Each holds their own merchant agreement and settles to their own bank account. We never hold their money and neither does your platform, so your regulatory position is unchanged.
Sometimes the honest answer is not yet, and we would rather say that on the first call than after they have taken a deposit. Where an installer is young but real, underwriting up front with the ticket sizes understood is what makes approval possible at all.
A thirty-minute payments review
Bring your installer count and a typical install value. We will tell you what moving your installers is worth and whether we are the right fit, including if we are not.