For recruitment agencies and umbrella companies
Check what PAYE actually did to your contractors — before HMRC checks you
Supply-chain due diligence and worker support, run on the worker's own device. England and Northern Ireland.
Twenty minutes, one of your umbrellas, and your own worker data. We run a live sample across a supply chain you already use, and you keep the output whatever you decide.
The liability moved to you in April
You can now owe tax you never failed to pay
From 6 April 2026, joint and several liability for unpaid PAYE and NIC in umbrella arrangements sits with the recruitment agency directly above the umbrella. Where there is no agency between the end client and the umbrella, it passes to the end client.
Effective 6 April 2026
workers engaged through umbrella companies in 2022 to 2023
of them engaged by an umbrella that failed to meet its tax obligations
lost to disguised remuneration in one year, almost all via umbrellas
the reform is scored to protect to 2029 to 2030, collected from the supply chain
Nearly two in five umbrella workers touched a non-compliant provider. That exposure is now yours to find first.
The part nobody has solved
Contracts and indemnities are the easy half
Agencies are being told to map their supply chains, tighten contracts, and add indemnities and audit rights. That paperwork is straightforward.
The hard part is verifying that an umbrella actually operated PAYE correctly. Nobody can currently tell you whether the PAYE applied to a given worker was right — and an indemnity against a dissolved company is worth nothing.
What Rewind does
It reconstructs the year and names the reason for the gap
Rewind takes HMRC's own record of a worker's pay, tax and codes — which the worker can export themselves in about two minutes — and reconstructs the year: what the tax should have been, what PAYE actually took, and exactly where the difference came from. Five years in a single paste, back to 2016 to 2017.
Where a worker has overpaid, it doesn't stop at the finding. It writes the overpayment relief claim — computation, grounds and declaration — with a checklist of what to enclose and where to post it, for every open year at once. A query that would have become a helpdesk ticket becomes a signed letter instead.
Workers need no account, no login, and give up no bank details. You are not asking them to trust a third party with anything.
The failure signatures it names
- PA × 2Personal Allowance given twice across concurrent employments
- BR · D0Operated on what was actually a main job
- 0TA missing starter checklist, or a P45 that never arrived
- W1 · M1Non-cumulative codes that never catch up at year end
- MISMATCHDeductions that don't match the code the payslip says was operated
- K CODESQuietly collecting an earlier year's underpayment
It holds none of your workers' data
Everything runs inside the worker's browser. Nothing is transmitted and nothing is stored. Save the page, switch off the internet, and it still works.
You can put it in front of ten thousand contractors with no DPIA, no processor agreement, no security review and none of their tax data in your custody. It is a web page, not a system.
We hold a licence record for your organisation — who signed it, how many seats, where it runs. Nothing about the people using it.
Turn off the internet.
Run a full reconciliation.
Everything works.
In practice
Two ways agencies use it
Due diligence
Sample workers across each umbrella you engage. A provider whose workers repeatedly show deductions inconsistent with the codes operated is a provider to look at now, not after an HMRC letter.
Every run produces a dated, printable computation — a record of what you checked and when.
Helpdesk deflection
Give it to contractors directly. HMRC took 29 million calls last year at an average 12½-minute wait, and the ones your consultants absorb instead cost you too.
Official guidance already tells umbrella workers to check their HMRC record against their payslips. This is the tool that does it.
Indicative licence
Annual licence, billed monthly
Includes your branding, rate tables maintained every April, and named support.
| Contractors covered | Indicative price |
|---|---|
| Up to 250 | £250 a month |
| Up to 1,000 | £600 a month |
| Up to 5,000 | £1,500 a month |
| Above that, or multi-brand | Let's talk |
Indicative figures for scoping a conversation, not a quotation. Priced against what it costs to find a mis-coded year late rather than early.
Scope
What it does not do
- England and Northern Ireland only. Scottish and Welsh codes are rejected rather than guessed at.
- It is not tax advice. It files nothing with HMRC, and never touches anyone's money or bank details.
- It does not audit an umbrella's remittances directly. It reconciles HMRC's record of what an umbrella reported — but a worker's payslips disagreeing with that record is exactly the signal worth escalating.
Twenty minutes, one of your umbrellas, and your own worker data
We'll run a live sample across a supply chain you already use, and you keep the output whatever you decide.