No obligation
Get a free merchant fee audit We analyse your real card costs and show what Pay-by-Bank could save.
Pay-by-Bank for £250+ jobs. Get paid straight from their bank.
Send deposits, invoices and stage payments with a secure Pay-by-Bank payment link or QR — from WhatsApp, SMS or email.
Customers approve open banking payments inside their own banking app. Funds go bank-to-bank — we never hold them.
Secure Pay-by-Bank powered by UK banking infrastructure. Funds go directly to your bank.
Payment Request
ACTIVEBuilt for Businesses Taking £250+ Payments
KubePay is designed for UK businesses that regularly collect customer deposits, construction stage payments, project balances and high-value invoices. Instead of paying card fees on larger jobs, send a Pay-by-Bank payment request straight to your customer's bank.
If your average invoice is above £250, Kube is built for you. Browse solutions
Card Fees Grow With Every Job
The larger the invoice, the more margin disappears.
Manual bank transfers aren't better
It works, but it's messy and unprofessional.
Bank Payments That Feel Like a Checkout
Kube turns bank transfers into structured payment requests.
Send a secure link or QR
Generate a payment request in seconds and share via WhatsApp, SMS or email.
Customer approves in banking app
No card details needed. Customers authorise payment directly within their bank.
Instant confirmation
Receive real-time confirmation with automatic reference tracking and status updates.
Whether the job is £600, £2,500 or £12,000, the fee stays the same.
£1 per payment
How Kube Compares to Card Fees
- Job value£800
- Card 1.6%
- £12.80
- Kube
- £1
- You save
- £11.80
- Job value£2,500
- Card 1.6%
- £40
- Kube
- £1
- You save
- £39
- Job value£5,000
- Card 1.6%
- £80
- Kube
- £1
- You save
- £79
- Job value£10,000
- Card 1.6%
- £160
- Kube
- £1
- You save
- £159
| Job Value | Card Fee (1.6%) | Kube Cost | You Save |
|---|---|---|---|
| £800 | £12.80 | £1 | £11.80 |
| £2,500 | £40 | £1 | £39 |
| £5,000 | £80 | £1 | £79 |
| £10,000 | £160 | £1 | £159 |
Example: A kitchen installer collecting a £2,500 deposit. Card payment: £40 fee. Kube payment: £1 fee. You keep £39 more on the same job.
Secure UK Banking Infrastructure
Payments through Kube use regulated UK Open Banking infrastructure. Customers authorise payments directly within their own banking app.
Payments Go Directly To Your Bank
Kube does not hold your funds. Payments move directly from the customer's bank to your bank using secure Pay-by-Bank infrastructure.
You receive confirmation as soon as the payment is authorised.
Built for How Real Jobs Get Paid
Most businesses don't collect one payment. They collect: Deposit → Work → Remaining Balance. Kube supports the full payment journey.
All tied to the same job reference.
How Pay-by-Bank Payment Requests Work
From fee audit to confirmed bank payment — a simple request, share and approve flow for deposits and invoices.
Free Merchant Fee Audit
Upload a recent merchant statement. We analyse your real card processing costs.
Request your auditchevron_rightSend a Payment Request
Enter the job amount and reference. Kube generates a secure payment link, QR code and payment reference. Send it instantly via WhatsApp, SMS or email.
Customer Pays by Bank
The customer authorises payment inside their banking app. You receive confirmation instantly. If unpaid, Kube can send a reminder automatically.
Interactive demo
From request to paid in a few taps
Illustrative UK Pay-by-Bank flow. Auto-plays on a loop; tap a step on the left to jump to that moment.
Amount
£2,500.00
Reference
Kitchen deposit (Smith)
Amount, reference, and description, just like a real job in Kube.
Automated messages keep everyone in the loop: payment request sent, reminders if it's still outstanding, confirmation when it lands, and a receipt for your customer, so you do not need to chase each step manually.
Use cards for small payments. Use Kube for deposits and larger jobs.
Best suited for invoices £250+
Clear Pricing. Flat Fees. No Percentage Card Costs.
Card processors take a percentage of every large job. KubePay uses flat per-payment pricing for Pay-by-Bank links and QR collections. Monthly plans include a payment allowance — or use Occasional with no monthly fee. No contracts. Cancel anytime.
Occasional
- checkPay-by-Bank payment links
- checkQR code payments
- checkSecure checkout page
- checkReal-time payment tracking
- checkEmail payment receipts
- checkStandard email support
Starter
- check15 payments included monthly
- checkPayment links
- checkQR code payments
- checkWhatsApp payment requests
- checkSecure checkout page
- checkReal-time tracking
- checkEmail receipts
Growth
- check40 payments included monthly
- checkEverything in Starter, plus:
- checkAuto WhatsApp reminders
- checkPayment confirmations
- checkCSV export of payments
- checkPriority support
Pro
- check80 payments included monthly
- checkEverything in Growth, plus:
- checkAdvanced reporting
- checkCustom branding
What You'll Never See
Whether the payment is £600, £2,500 or £12,000, the fee is still a flat rate — from £1 per payment on subscription plans, or £3.50 per payment on Occasional Use. Funds go directly to your bank.
Stop Guessing What Your Card Fees Are Costing You
Upload a recent merchant statement and we'll analyse your true card processing costs.
We also review statements for billing errors or incorrect pricing. If recoverable overcharges are identified, we can help pursue recovery. No cost. No obligation.
Upload a Statementupload_fileReady to stop losing margin on larger jobs?
Join thousands of UK businesses accepting Pay-by-Bank payments today.
Get Your Free Fee Auditarrow_forward