For banks, fintechs & insurers

Your customers get fined for charges they never saw. You can be the reason they don’t.

You already hold the customer, the card and the trust. Waively brings the charge rules, the deadlines and the alerts, as a feature you switch on inside your own app, under your own brand.

Your brand Your customer Our rules engine
Why partners care

A moment of real value, on an ordinary Tuesday.

Catching an £18 charge before it becomes a £180 penalty is the kind of notification that makes someone glad they use you. And it happens every week, not once a year.

5 of 5

drivers we interviewed asked, unprompted, for one place to handle every charge.

10×

£18 becomes £180. The value you deliver is far bigger than the charge itself.

3 of 5

wouldn’t pay for it themselves. So it works best as a free benefit, from you.

34.5m

licensed cars in the UK, plus 4.9m vans. Most of your customers drive.

Interviews: five drivers, London, August 2026. Vehicles: DfT vehicle licensing statistics, September 2025.

Who this is for

Three kinds of partner. One integration.

Banks

A feature you switch on, not one you build.

Road charges are complex, fragmented and always changing: dozens of schemes, each with its own rules, prices and deadlines. That’s a lot of specialist upkeep for something that isn’t your core product.

  • A visible customer benefit in a category where standing out is hard.
  • Your customer’s card or account is already there: no new payment relationship.
  • Fits your existing customer checks and your brand.
  • We keep every scheme’s rules up to date, so you maintain nothing.
Fintech

A reason to open your app that isn’t checking a balance.

Money apps compete on moments. A warning that saves someone £162 is one of the clearest moments there is, and it repeats every time they drive into a zone.

  • A frequent engagement moment tied to money saved.
  • Ships as a module alongside bills, subscriptions and spending tools.
  • Every penalty avoided is a number you can show the customer.
Insurance

A reason to hear from you all year.

Motor insurance is heavily price-compared and mostly silent between renewals. A benefit that visibly saves customers money all year is a renewal argument that doesn’t cost premium.

  • A year-round reason to hear from you, not just at renewal.
  • Something concrete to show: penalties avoided, in pounds.
  • Differentiates a policy without discounting the price.
How it embeds

You bring the customer. We bring the complexity.

Waively sits inside your product. Your customer never leaves your app, and never sees our name unless you want them to.

Step 01

Vehicle linked once

Your customer adds a number plate inside your app. No download, no new account.

Step 02

We watch the schemes

Congestion, ULEZ, the tunnels, Dartford and airport drop-offs: every rule and deadline, maintained by us.

Step 03

Your customer pays, on time

Paid straight to the operator, before the deadline. No penalty.

Screens are illustrations. Waively never holds customer money: payments go to the scheme operator.

You bring

The relationship

  • Your customers and your brand
  • The account or card they already trust
  • Your customer insight and reach
  • A place in your app for the feature
We bring

Everything about road charges

  • Every scheme’s rules, prices and deadlines, kept current
  • Alerts that reach the driver in time
  • Ongoing product development and support
  • Clear reporting: charges caught, penalties avoided
The numbers

A charge your customer forgets can cost up to 43× more.

London Congestion Charge · £18 chargePay by midnight, 3rd day after
£180
£18
10×
ULEZ · £12.50 chargePay by midnight, 3rd day after
£180
£12.50
14×
Blackwall & Silvertown tunnels · £4.20 chargeFrom 21 Sept 2026 · pay by midnight, 3rd day after
£180
£4.20
43×
Gatwick drop-off · £10 chargePay by midnight, next day
£100
£10
10×
Stansted drop-off · £10 chargePay by midnight, next day
£100
£10
10×
Luton drop-off · £7 chargePay by midnight, next day
£95
£7
14×
Heathrow drop-off · £7 chargePay by midnight, next day
£80
£7
11×
Dartford Crossing · £3.50 chargePay by midnight, next day
£70
£3.50
20×
The chargeThe penalty if it’s missedMultiple = penalty ÷ charge

Full penalties before any early-payment discount. Sources: Transport for London (Congestion Charge £18 from 2 January 2026; ULEZ £12.50; Blackwall & Silvertown tunnels £4.20 per crossing from 21 September 2026, £1.55 off-peak with Auto Pay; penalty £180, halved if paid within 14 days); National Highways (Dart Charge £3.50, penalty £70); airport operators’ published drop-off charges and penalties. Checked September–October 2026.

Built to be safe to partner with

No money held. Nothing we don’t need.

We never hold money

Every charge is paid to the scheme operator directly. Waively never holds customer money.

Only the data detection needs

Designed around UK GDPR from day one. We ask for what it takes to spot a charge and nothing more.

Honest by design

Where a charge can’t be confirmed, Waively asks rather than guesses. A clear question beats a confident wrong answer.

Start small

A pilot, measured in penalties avoided.

Walkthrough

We share the full briefing and agree what a pilot would prove for you.

Pilot with a slice of customers

A small group of your drivers, a fixed period, clear success measures.

Measure and decide

Charges caught, penalties avoided, engagement and customer feedback. Then decide together.

Talk to us

Interested in what this looks like inside your app?

We’ll walk you through the designed flows, the data we need, and how a pilot with a slice of your customers could work.

Book a walkthrough → Waively for fleets info@waively.co.uk Waively is built by Kestavar Ltd, London.