QR Code Payments for UK Businesses
PayTrueQR provides QR code payments for UK businesses that want a straightforward way to take money directly from a customer’s bank account without relying on a card reader. We serve SMEs nationwide with an app-based service that uses Open Banking and the Faster Payments network to move funds bank to bank.
- £0.20 per transaction
- No monthly fees
- No card reader
- UK Faster Payments
- FCA-regulated partner
The problem
The Real Cost of Card Payments
Percentage-based card charges can quickly add up, while slower settlement can leave businesses waiting for money they have already earned.
in card fees every year on £10k/month in sales at 1.75%
Percentage Fees Add Up
Taking £10,000 a month with a 1.75% card fee costs £175 a month, or £2,100 a year. PayTrueQR instead charges a flat £0.20 per transaction including VAT.
Delayed Cash Flow
Traditional card settlement can take 1–3 days. PayTrueQR uses the UK Faster Payments network, with most transfers reaching your account in seconds.
Hardware Adds Overheads
Card acceptance can involve terminals and ongoing hardware costs. PayTrueQR works from your smartphone, with no separate card reader or monthly hardware fee.
What Are QR Code Payments?
QR code payments let customers pay from their bank account by scanning a code with their smartphone. With PayTrueQR, you enter the amount, show the generated code and your customer scans it to start the payment.
Their banking app opens with the payment details pre-filled, ready for them to review and approve securely. Money is then sent bank to bank using Open Banking payments and the UK Faster Payments network.
There are no card details to enter, share or store. For businesses looking for card payment alternatives, it provides a simple way to accept account-to-account payments alongside existing payment methods.
The solution
Get Paid Faster. Keep More of Your Money.
Customers pay directly from their bank account with a simple scan. No separate card terminal and no percentage-based transaction fee, just a straightforward £0.20 fixed charge including VAT.
Money in Seconds
Most payments reach your bank account in seconds over the UK Faster Payments network, giving you quicker access to money from completed sales.
Simple From Your Phone
Enter the amount and display the generated code from your smartphone. There is no separate payment terminal to rent or maintain.
Secure Bank-to-Bank Payments
Every transaction is approved through the customer’s own banking app using Strong Customer Authentication. No card details are shared or stored.
How it works
Get Paid in Three Simple Steps
From entering the amount to money in your account. Here’s the whole flow, straight from the app.
Enter the Amount
Type the sale amount into the app and a unique QR code is generated instantly.
Customer Scans
Show the QR code on your phone for the customer to scan with their camera.
Money Settles
You’re notified the moment it clears, funds land in your bank in seconds.
And for Your Customers, It’s Just as Easy
Scan the Code
They point their phone camera at the QR code you display.
Confirm Securely
Their banking app opens pre-filled. They approve with Face ID, fingerprint or PIN.
Paid
Payment complete. No card details shared, nothing typed in manually.
QR Payments for Small Businesses
PayTrueQR is designed for UK SMEs that want a straightforward way to take instant bank payments without relying solely on traditional card terminals.
Retail and Hospitality
Shops, cafés, restaurants and other customer-facing businesses can take payment directly from a smartphone at the point of sale.
Trades and Mobile Businesses
Tradespeople, market traders and other mobile businesses can get paid on-site without carrying a separate card machine.
Services and Appointments
Salons, barbers and professional service businesses can offer customers another simple way to pay in person.
For SMEs comparing payment solutions for small businesses, PayTrueQR provides a focused bank-to-bank option that can sit alongside existing payment methods.
Calculate Your Savings
See exactly how much you could save by switching to PayTrueQR
Your Potential Saving
per year
Monthly cost: →
What Would You Do With an Extra ?
- Pay for the entire team's coffee and tea for the year
- Cover your business's music license with change to spare
- Treat yourself to a fancy dinner out – you've earned it
- Stock up on essential supplies for the next few months
- Invest in a new piece of professional equipment (like a new salon chair or high-end scissors)
- Pay for a training course to upskill yourself or a team member
- Run a targeted social media ad campaign to attract new local customers
- Cover your business's public liability insurance for the year
- Upgrade your business's laptop or booking system
- Take a well-deserved week-long holiday without the guilt
- Repaint and refresh the look of your shop
- Give your team a fantastic end-of-year bonus
- Put it towards the deposit for a future business expansion
- Hire a part-time marketing assistant to grow your brand
- Create a proper "rainy day" fund to give your business a safety net
- Fly to a major industry conference to network and learn from the best
Trust & security
Regulated, Secure and Built on Open Banking
PayTrueQR uses the UK’s regulated Open Banking framework to provide secure bank transfer payments for businesses.
PayTrueQR Limited acts as a Registered Agent of Finexer LTD. Finexer is authorised and regulated by the Financial Conduct Authority as an Authorised Payment Institution under Firm Reference Number 925695 and provides the regulated Payment Initiation Services used by PayTrueQR.
Strong Customer Authentication
Every transaction is approved through the customer’s own banking app using the authentication method supported by their bank, such as Face ID, fingerprint or PIN.
No Card Details Shared
Money moves bank to bank, so no card number needs to be entered, shared or stored.
Confirmation of Payee
Account details are verified before money moves, adding another check to the payment journey.
UK Faster Payments
Transfers use the UK’s Faster Payments infrastructure, with most arriving in seconds.
Why Small Businesses Choose PayTrueQR
Fixed Transaction Pricing
Pay £0.20 per transaction including VAT rather than a fee based on the value of the sale.
No Separate Card Reader
Use your existing smartphone instead of dedicated payment hardware.
Faster Access to Money
Most transfers arrive in seconds through the UK Faster Payments network.
Straightforward for Customers
Customers scan, review the amount and approve securely through their own banking app.
Built Around Open Banking
Payments move directly between bank accounts through regulated payment infrastructure.
Start Saving Today.
Download the App.
PayTrueQR is available now. Set up your account in minutes and start accepting instant bank payments from your first customer today.
No hardware. No monthly fees. Just your phone.
Frequently Asked Questions
Everything you need to know before getting started.
How Does PayTrueQR Save Me Money?
How Does the Savings Calculator Work?
How Quickly Does Money Arrive?
How Secure Is PayTrueQR?
How Do I Get Started?
What Do I Need to Get Started?
Do Customers Need PayTrueQR?
What If a Customer Cannot Use It?
How Much Does PayTrueQR Cost?
Is PayTrueQR Regulated?
Is PayTrueQR Available Now?
Still have questions?
Contact UsStart Accepting Bank-to-Bank Transfers Today
Take secure account-to-account transactions from your smartphone without a separate card reader or monthly hardware fee. PayTrueQR is live for UK businesses, with standard pricing of £0.20 per transaction including VAT and a current offer of 200 free transactions for new sign-ups.
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