Upload, prepare, pay

You pay us by card; we pay your supplier by bank transfer. Here's the whole journey, and where your money is at every point.

How it works

  1. Upload your bills

    Drop an invoice in, or connect Xero or QuickBooks and unpaid bills arrive by themselves.

  2. Prepare the payment

    Pick a card and pay now, on a date you choose, or recurring. The 2.5% fee shows first, in pounds and pence.

  3. They get a bank transfer

    Your supplier gets a normal bank transfer with the reference they expect, once your card payment has cleared.

What you get back

Keep your cash longer

Pay the bill on time and settle with your card later. That is up to 56 days interest-free, depending on your card, with the cash still sitting in your account while you trade.

A food-stall owner in an apron checking his phone
A shopkeeper taking a contactless payment at a white counter

Earn your card's rewards

Every bill counts as normal card spend with your issuer, so the points, cashback and perks are the ones you already have. We don't run a scheme of our own.

A hairdresser blow-drying a client's hair
A salon receptionist taking a card payment on a tablet

One fee, 2.5%

You pay 2.5% per payment and nothing else. No monthly subscription, and the fee is shown in pounds and pence before you confirm.

2.5%£62.00 on a £2,480.00 bill
Lendalypay

Ready to put your bills on the card?

No monthly subscription. You pay only when you pay a bill.

Create your account