We obsess over payments
so our customers don’t

Create an account and start accepting
payments – no long contracts

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The Vision

The core mission is to use Open Banking to empower businesses in the UK. Our aim is to provide cutting edge ecosystems that bring efficiency, new revenue opportunities and cost cutting to merchants.

We’re here to use our expertise in technological innovation to disrupt big monopolies that underperform and overcharge merchants. With every product we create we aim to maximise choice and control back to those businesses and their customers.

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What We Do

Pay iO has created a technology that puts in place a smooth process of sending and receiving payments for businesses.

Our systems have taken out the long and at times unsafe process of card transactions and allows bank accounts to connect directly.

Payments should be simple and transparent for businesses, so we have done just that by helping facilitate payments on time and securely.

Pay iO work diligently by staying up to date with the ever evolving open banking framework, to make life that little bit easier for the hard working businesses of the United Kingdom.

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Rapid Onboarding Keeping Things Simple

Faster onboarding means you can be set up to start processing payments in 24 hours rather than weeks

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What is Pay With Bank?

Pay With Bank enables payments to be made directly from your online banking or mobile bank app without the need to enter card details or sign up to any e-wallets or apps. By integrating Pay iO – Pay With Bank at checkout, businesses can request the payments directly on their website.

How long does a payment take to deposit using Pay With Bank?

Payments are usually confirmed and deposited instantly. However some payments may take up until the end of the next working day subject to bank checks.

How do I know a payment has been completed?

You will receive a notification once the payment has been sent and is on clearing house.

What are the limits for payments?

Pay iO currently has no payment limits however there will be limits that are in place with the payer’s bank account.

How many payments can be made using the card-less checkout?

You can accept as many payments as your business requires.

How much does it cost?

There is no cost for individuals/consumers. Businesses are charged on a transaction fee which is a fraction of the cost of card fees – please ask us for details as we will need to set you up with an account.

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