Get paid
Send the invoice.
Get paid on it.
A payment link against any invoice: your customer settles by card, bank transfer or crypto, and you receive settled value in your account, matched to the invoice it paid.
What pay by invoice actually is
It lets you bill a customer and take payment against that invoice through a payment link, rather than sending your bank details and waiting.
You set the amount and the reference. The customer opens the link and settles by card, bank transfer or crypto. You receive settled value in your account, matched to the invoice it paid. The part that changes your week is the last one: the payment identifies itself, so nobody spends month-end working out which transfer was which.
How it works
Three steps, and only one of them is yours.
Raise the request
Set the amount and the reference against an invoice you have already issued. Share it as a link, or embed it in the billing you already run.
Your customer pays
Card, bank transfer or crypto, from wherever they are. They choose on the page; you do not have to agree the method in advance or send different instructions to different customers.
You receive settled value
The payment is converted and settled to the account you hold, matched to the invoice it paid. What you invoiced is what arrives, whichever way the customer sent it.
Let them pay the way they can pay
The reason an invoice goes unpaid is often not that the customer will not pay. It is that the way you have asked them to pay does not suit the money they have this week.
Card
The rail that turns an overdue invoice into something a customer can clear today. They pay from a credit line rather than a balance, which is frequently the difference between paid now and paid eventually.
Bank transfer
The cheapest rail for large amounts, and the one most finance teams default to. Faster Payments usually lands in seconds within the UK.
Crypto
For customers who hold value that way, in corridors where banking is slow or closed. Converted at settlement, so what you invoiced is what reaches your account.
You do not have to decide in advance which of these a customer will use, or send different instructions to different customers. One link carries all three and they choose on the page.
Who it is for
Anyone who invoices and then waits. It earns its place fastest in businesses where the wait is expensive or the customer is hard to reach on a bank rail:
- Letting and managing agents, where arrears are a chase and a tenant with a card can clear them today. See letting agents.
- Trades and construction, billing in stages against milestones rather than once at the end.
- Exporters and cross-border sellers, invoicing customers whose banking is slow, costly or closed to them.
- Professional services and B2B platforms, billing on terms and carrying the gap between work done and money in.
Chasing something already overdue? Work out what you are owed → · Generate the letter →
Frequently asked questions
Pay by invoice lets you bill a customer and take payment against that invoice through a payment link rather than waiting for a bank transfer. You set the amount and the reference, the customer opens the link and settles by card, bank transfer or crypto, and you receive settled value in your account matched to the invoice it paid.
Bank details put the work on the customer: they have to key the account, the reference and the amount correctly, and you find out whether they did at month end. A payment link carries the amount and the reference already, so the payment identifies itself when it lands and the customer can pay in the moment they open the invoice rather than the next time they sit down with their banking app.
Yes, alongside card and bank transfer. The customer chooses on the payment page. Which assets are available, and the institution that provides that part of the service, are confirmed during onboarding rather than assumed here.
No. A crypto payment is converted at settlement, so what you invoiced is what reaches your account. Holding the asset is a separate decision and not one this product requires you to make.
It depends on the rail the customer used, and the honest answer is that they differ. Card payments carry chargeback rights, which is the trade for how easy cards are to pay with; bank transfers and confirmed crypto payments do not work that way. Your specialist will set out what each rail means for a business at your volumes.
It sits alongside it rather than replacing it. You keep raising invoices where you raise them now; this adds the way they get paid, as a link you share or a payment request embedded in the billing you already send. Every payment maps back to its invoice reference, so your ledger stays where it is.
Card payments authorise instantly and settle on your agreed cycle. Bank transfers within the UK usually arrive in seconds on Faster Payments. Crypto settles once the payment is confirmed. The variable in all three is the settlement cycle to your account, which your specialist confirms for your own arrangement.
That is one of the strongest cases for it. A customer who cannot make a bank transfer this week can often still pay by card today, so an overdue invoice becomes something they can clear in a tap rather than a promise to pay later. Our late payment interest calculator works out what you are owed, and a payment link is how you collect it.
Cost depends on the rails your customers actually use and on your volumes, and it is quoted by the matched institution with every component named before you commit. We do not publish a rate card, because a headline rate that ignores your mix would not tell you what you would pay.
Check if we can help
Tell us what you need. You’ll deal with one team, with the group’s licensed institutions behind it, and get a straight answer either way.