Legal payments that don’t stop until your clients have been paid.
A world-class payment system built to manage the entire settlement process, without the headache.
How your client money is protected
- Funds are held in safeguarded accounts
- Ledgers aligned to the SRA Accounts Rules
- Dual authorisation and role-based access controls can be configured on a project basis
The problem
Settlement systems are not designed to get people paid.
Legal payments systems are designed to give your firm a way to distribute funds. They are not designed to make sure the highest proportion of your clients actually claim their settlement.
Over 10%
of reviews of an alternative legal payments platform are one-star. The biggest complaint: nobody answers the phone or responds to emails.
Analysis by Claims Gate Pay, September 2026
47%
of complaints about legal services are about poor communication or delay. More than any other kind of complaint.
Legal Ombudsman complaints data, 2024/25
Chasing
We keep going until the money lands.
Most unpaid clients aren’t refusing the money. They missed an email, or didn’t trust a link from a name they didn’t know. We chase every client, on every channel, until they’re paid.
- Every channel in turnEmail, text, WhatsApp, a letter to their home, then a phone call. Each one follows up on the last.
- Your firm’s name on every messageClients hear from the firm they instructed, not a company they’ve never heard of. We protect your reputation, not ours.
- You see exactly where each client stoppedDelivered, opened, clicked, identity confirmed, bank details in. Nobody falls through the gaps.
Jane Johnson
Owed £829.00 from a car finance settlement
Paid
- Day 0Defendant pays outSettlement released
- Day 2Money moves to your client accountReady to distribute
- Day 3EmailNo reply
- Day 5TextNo reply
- Day 7WhatsAppNo reply
- Day 10Letter to her homeNo reply
- Day 12Phone callJane answers
- Day 13Paid£829.00 in her account
Up-to-date client details
Your clients change as your case runs.
Over four years, 1 in 4 of your clients could have changed their name, moved home, or, in the worst case, died.
Before anyone is paid, Claims Gate Pay checks every client’s details and brings them up to date.
- Bureau checkEach client is matched against credit bureau data and comes back with a confirmed name, address and date of birth.
- Manual checkEach record is checked and updated by hand, at a lower cost.
Based on ONS Census 2021: 1 in 10 people moved home in a year.
On file
Sarah JonesAddress out of date
Priya ShahName changed
Tom ReedDetails not confirmed
- Bureau checkMatched against credit bureau data
- Manual checkChecked by hand, at a lower cost
Ready to pay
- Sarah JonesNew address confirmed
- Priya PatelName updated
- Tom ReedDate of birth confirmed
Example records. Names and details are fictional.
For your finance team
Complex settlements that reconcile themselves.
Complex settlements can arrive from dozens of defendants, in different tranches, on different dates. Claims Gate Pay follows every pound from the day it lands to the client it pays, so your finance team never spends weeks reconciling it.
- Each tranche tracked on its ownEvery payment in is recorded as its own source of funds. You can always see which defendant’s tranche paid which client.
- Each payment tied to a named clientName, amount and reference on every payment out. Nothing pooled, nothing estimated.
- An audit trail your auditor can traceStatus, Confirmation of Payee result and Link FX reference on every payment, exported to CSV for your ledger.
- Unclaimed money, easy to see and understandSee what’s paid, what’s waiting and who still needs chasing, at any point.
- Tranche 112 defendants£4.2m
- Tranche 211 defendants£3.1m
- Tranche 37 defendants£1.9m
4,812 clients each paid individually
Example settlement. Defendants and amounts are fictional.
Interest on client money
Paying interest to your clients isn’t optional.
We make sure they get it.
The SRA Accounts Rules require you to account to clients for a fair sum of interest on money you hold for them. It has to be done. On a settlement paid out over weeks, it is easy to miss and slow to work out by hand.
- Worked out for each clientInterest on each client’s share, for the days it sat in your client account.
- Paid with their settlementAdded to what each client receives, so nothing is left to put right later.
- A record for your COFARate, period and amount on every payment, ready if the SRA asks.
Ruth Okafor£829.00 · 10 days held+£0.91Paid with interest
Casey Smith£1,204.60 · 24 days held+£3.17Paid with interest
Jordan Taylor£3,135.04 · 41 days held+£14.09Paid with interest
Illustrative example. Rate and periods are fictional.
How it works
Three parties. Each with one job.
Your firm decides. Link FX holds and moves the money. Claims Gate Pay does everything in between, and never holds client money.
- 01Your firm
Fund and import
Connect the settlement’s source of funds and upload your clients from a spreadsheet.
- 02Claims Gate Pay
Collect bank details
Each client gets a secure link from your firm, confirms who they are and enters their own account details.
- 03Your firm
Authorise
An operator prepares the payment and an approver signs it off. Above your limit, two people must.
- 04Claims Gate Pay
Screen
Sanctions, PEP, insolvency and identity checks run on every authorised payment. The decision stays with you.
- 05Link FX
Pay out
Link FX confirms the payee and pays from your safeguarded account by Faster Payments. FCA-authorised, FRN 535266.
- 06Claims Gate Pay
Track and reconcile
Every payment is followed to a final state, with its Link FX reference and a full audit trail.
Client paid. Claims Gate Pay never holds the money.
Claim areas
Built for the claims you run.
From car finance to data breach: settlements where the volume is high and the payout is complex.
Request a demo- Car FinanceHundreds of thousands of clients, paid out across different lenders and brokers.
- Unaffordable LendingLarge client populations, each owed their own redress.
- Diesel EmissionsSettlements from different manufacturers, landing on different dates.
- Equal PayThousands of employees, each paid their own award.
- Data BreachClient numbers that build quickly, with every client paid individually.
- Anything at ScaleIf the volume is high and the payout is complex, Claims Gate Pay can be configured around it.
Control
Built for the people who sign off client money.
- Dual authorisationAbove a limit you set, two people must sign off before a payment moves.
- Roles and two-factor sign-inOperators prepare, approvers sign off, viewers read. Two-factor sign-in is mandatory for everyone.
- An audit trail on every paymentWho imported it, who approved it, what was checked and when. Ready for your COFA.
- Imports that answer for every rowUpload a spreadsheet of clients and download every rejected row with the reason.
- Your firm’s name, not oursClients see your branding, and emails can come from your own domain.
- Hosted in LondonClient data stays in the UK and can be erased on request.
Does Claims Gate Pay ever hold client money?
No. Funds sit in safeguarded accounts with Link FX, an FCA-authorised payment institution (FRN 535266), which executes every payment. Claims Gate Pay never holds funds or controls accounts.
Who makes the AML decision?
Your firm does. Claims Gate Pay runs sanctions, PEP, insolvency and identity checks and shows you every result, but they are advisory. The final decision always sits with you.
What happens if a client gives the wrong bank details?
Link FX runs Confirmation of Payee and bank verification before anything is paid. A mismatch stops the payment with a stated reason, and the client can be sent a fresh secure link.
How do we reconcile against our client account ledger?
Every payment carries its status, its Confirmation of Payee result and the Link FX confirmation reference. Your accounting system stays the record. We give it the evidence.
Can clients see our firm’s branding?
Yes. The client journey and every email carry your firm’s name and branding, and emails can be sent from your own domain.
More of your clients, actually paid.
See a settlement run from import to paid, and what it would do for yours.
In the demo
- A settlement run end to end, from importing clients to every one of them paid
- How chasing works across email, text, WhatsApp, letter and phone
- Dual sign-off, the audit trail and how it lines up with your client account ledger
Prefer email? hello@claimsgatepay.com
Thanks.
We have your request. We will email you to set up a time.