Open Banking Powered 
Invoice Settlement

Improve your conversion rate and uninterrupted engagement

1% + 50p per transaction

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Made for your business

Mobile App & Web

Download the Pay iO business account app via the Apple App store and the Google Play store.

Small Businesses

Get bank payments directly from your customers, and manage your transactions and expenses all in one place.

Big Businesses

Send and receive global payments, and conveniently manage you account. Reduce administrative time and effort.

Modern Convenience

Get a digital wallet, dedicated bank details and a Business card, all hassle free and fully online.

Currency Exchange

You always get the real mid-market rate, there’s just one low fee to exchange currencies.

Global Payments

Fast and simple multi-currency bank transfers. Our global network means you have an account everywhere.

Physical Cards Now Available


Engage your customers at the right time through the best channels with payments and QR codes

Send payments links embedded onto your invoices via email and SMS for instant payment. Pay-with-Link makes it quick and easy to get paid straight into your bank account

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Drive Revenue

Manage cash flow with instant settlement

Open banking provides a better alternative, letting customers pay with a few clicks, all in an embedded payments flow, meaning they don’t have to hop back and forth between different apps or services to get things done.

Create Account

Rapid Onboarding Keeping Things Simple

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

Create Account


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.

Contact Us We’ll give you a call back right away.

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