FreeMerchant fee audit: see what card fees cost on your £250+ jobs.Get yours
Secure Pay-by-Bank for UK businesses
Get paid straight from their bank. Keep the whole invoice on £250+ jobs.
Send a payment link, a QR code or a WhatsApp message for deposits, invoices and stage payments. Customers approve in their own banking app and the money lands in your account with a flat fee, not a percentage.
- FCA-authorised partner
- No card data stored
- Funds never held
Card fees take a slice of every big job.
Works with every major UK bank
- FCA-authorised partner
- UK Open Banking
- Bank-level authentication
The problem
Card fees grow with every job. Flat fees do not.
Drag the slider to the size of a typical job and compare what a card processor keeps with what KubePay charges.
£2,500
Card processor fee
£37.70
Assumes 1.5% plus 20p per card payment
KubePay flat fee
£1.25
per payment after 40 included each month
You keep
£36.45
How it works
Three steps from quote to money in the bank.
No card machine, no gateway setup, no chasing screenshots of transfers.
- 1
Create a payment request
Add the amount and a job reference from the portal, the Quick Collect page or a WhatsApp chat. It takes less time than writing an invoice.
- 2
Share it the way you already talk to customers
Send the link by WhatsApp, SMS or email, or show a QR code on site. The customer opens a secure KubePay checkout page.
- 3
Customer approves in their own bank app
They pick their bank, approve the payment with their usual login and the money goes straight to your account. You get a live status and a receipt.
Create a request from WhatsApp in seconds.
Create a request from WhatsApp in seconds.
WhatsApp payments
Create payment requests from WhatsApp. No laptop needed.
Message the KubePay bot from the van, the site or the clinic floor. Answer a few questions and the payment link arrives in the same chat, ready to forward to the customer.
Linked number
Connect your WhatsApp number once from the portal.
Email one-time code
Each new session is confirmed with a code sent to your email.
Amount ceiling
Set a maximum for requests created from chat.
Full audit trail
Every request created by WhatsApp is logged with who, when and what.
KubePay
Verified business
Everything you need to get paid
One request. Every way to pay. Zero card fees.
Built for the way real jobs get paid: deposits up front, stages along the way and a balance at the end.
Built for £250+ jobs
Made for trades, clinics and services that invoice real money.
Security and trust
Bank-level security without the card network in the middle.
Customers approve each payment inside their own banking app. Nothing to type, nothing for you to store, and the money settles straight into your account.
Customers approve in their own bank app
No card numbers typed, no banking passwords shared with you or with us. Strong Customer Authentication on every payment.
Funds go bank to bank
Money settles straight into your business account. KubePay never holds your funds.
No chargebacks
Bank payments are pushed by the customer, so there is no chargeback mechanism to lose a dispute to.
Regulated infrastructure
Open banking payment services are provided through Yapily Connect Ltd, an FCA-authorised Payment Institution.
Pricing
Flat fees from £1 per payment. No percentage, ever.
Pick a monthly allowance that fits how often you get paid, or pay per payment with no monthly fee.
Occasional
£0 / month
No monthly fee
£3.50 per payment
Starter
£29 / month
15 payments included
then £1.50 per payment
Growth
Most popular£59 / month
40 payments included
then £1.25 per payment
Pro
£99 / month
80 payments included
then £1 per payment
Free merchant fee audit
Stop guessing what card fees are costing you.
- Upload a recent card statement
- We compare every £250+ payment against a flat fee
- You get a plain-English report, no obligation
Questions