Take a Payment Face to Face. Without a Card Machine.
Your customer is standing in front of you. Show them a secure code on your phone, they approve it in their own banking app, and the money is in your account the same day. No terminal, no card details, no card network taking a cut.
Three Taps at the Counter
You Enter the Amount
On your own phone or tablet. Whatever you already carry.
They Scan and Approve
Your customer confirms it inside their own banking app.
The Money Arrives
Straight into your business account.
Find Your Situation
The same payment, five very different counters.
Card Machines Cost More Than the Rate You Were Quoted
One business we analysed had 47% of its card bill hidden in a surcharge on page four of its statement. Another was paying £1,197.60 a year to rent terminals that processed nothing.
Based on UK merchant statements analysed by TransactIQ, at a £250 average transaction value and £250,000 annual card turnover. Card figures are total cost of card acceptance including surcharges, authorisation and fixed monthly fees. Your own saving depends on your card mix, average transaction value and acquirer agreement.
Face to Face Doesn't Have to Cost More
Card terminals carry rental, PCI charges and a percentage of every sale. One business we analysed was paying £1,197.60 a year to rent terminals that processed nothing at all.
See where card costs really hideSee It at Your Own Counter
Tell us how you take payments today and we'll show you how Pay by Bank would work in your business. No obligation, and no card statement needed.