Features
Everything KubePay does, from the first request to the money in your account.
Payment links, QR codes, WhatsApp, reminders, split payments, a manual transfer fallback, live tracking and analytics. All on regulated UK open banking with flat fees.
WhatsApp payments
Create payment requests from WhatsApp. No laptop needed.
Message the KubePay bot, answer a few questions and get a payment link back in the same chat. The request appears in your portal exactly like any other.
Link your WhatsApp number once from Settings in the portal
A six digit code sent to your email confirms every new session
Set an amount ceiling for requests created from chat
Cancel at any step, with a full audit trail of what was created
KubePay
Verified business
Payment links and QR
One secure link per job, shared however you like.
Create a request with a fixed or open amount and a reference your office recognises. Send it by WhatsApp, SMS or email, or show the QR code on site.
Fixed or open amounts
Job references that match your paperwork
QR codes for on-site payments
Quick Collect pages for repeat customers
Payment request
£2,500.00
Kitchen deposit, Harris
Hosted checkout
A checkout page that feels like paying online, backed by their bank.
The customer sees your business name, the amount and the reference, picks their bank and approves inside the banking app they already use.
Nothing to download and no account to create
Strong Customer Authentication on every payment
Works with all major UK banks
Clear receipt and status page after approval
Secure checkoutPaying
Harris Kitchens Ltd
£2,500.00
Kitchen deposit, Harris
Choose your bank
Approved with your usual bank login. No card details.
Reminders and receipts
Polite nudges until it is paid, receipts the moment it is.
Automatic reminders go out by WhatsApp and email on a schedule you control. Confirmations and receipts are sent to both of you when the bank approves.
WhatsApp and email reminders
Automated reminder sequences on Pro
Payment confirmations and customer receipts
Stop reminders automatically once paid
Reminder schedule
Day 0
Request sent by WhatsApp and email
Day 3
Friendly reminder
Day 7
Second reminder with the link
Paid
Receipt sent to both of you
Split and stage payments
Deposit now, stages later, balance at the end.
Build a payment plan on a single request. Each stage has its own amount, due date and reminders, and the customer sees progress in one place.
Deposit, stages and final balance
Per-stage due dates and reminders
One link for the whole job
Live progress for you and the customer
Payment plan
£8,400 total
- Deposit£2,500 · Paid
- Stage 1£3,400 · Paid
- Balance£2,500 · Due 14 Nov
Manual bank transfer
A fallback for customers who prefer to transfer.
Show your account details with a unique reference. The customer pays from their own banking app, marks it as paid, and you reconcile against your statement.
Unique reference per request
Customer marks the transfer as completed
Pending transfers listed in your dashboard
Confirm receipt when it lands
Real-time tracking
Know where every payment is.
Each request moves from created to pending to approved to settled. The status comes from the bank, not from a redirect, so what you see is what happened.
Live status on every request
Full history per payment
Settlement updates from the bank
Receipts stored with the payment
Status
- Created
- Sent
- Approved in bank app
- 4SettledLive
Analytics and export
See volumes, success rates and how fast you get paid.
Insights by month, by channel and by customer, with CSV export for your accountant or bookkeeping software.
Monthly volume and success rate
Average time to pay
Breakdown by channel, including WhatsApp
CSV export of payments
Last six months
97%
Success rate
1.8 days
Avg time to pay
41%
Via WhatsApp
Illustrative figures
Free fee audit
Find out what card fees really cost you.
Upload a recent card statement and we show what percentage fees cost on your larger jobs and what the same payments would cost on KubePay.
No obligation
Line by line comparison
A reply by email, no sales call
Keep the report whatever you decide
Fee audit sample
Illustrative. Card fees assume 1.5% plus 20p per payment.
Security and trust
Regulated rails. No card data. No holding your money.
Open banking payment services are provided through Yapily Connect Ltd, an FCA-authorised Payment Institution. Customers approve in their own bank app and funds settle straight to your account.
FCA-authorised payment partner
No banking passwords seen or stored
Funds settle bank to bank
Strong Customer Authentication on every payment
Approve in your bank app
Strong Customer Authentication
- No card numbers typed
- No banking passwords shared
- Funds settle bank to bank
- FCA-authorised partner
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