No obligation
Get a free merchant fee audit — we analyse your real card costs & show what Pay-by-Bank could save.
Stop Paying Card Fees on Jobs Over £500
Send deposits and larger payments by secure Pay-by-Bank link or QR — directly from WhatsApp, SMS or email.
Customers approve the payment inside their banking app.
Secure Pay-by-Bank powered by UK banking infrastructure. Funds go directly to your bank.
Payment Request
ACTIVEBuilt for Businesses Taking £500+ Payments
Kube is designed for businesses that regularly collect deposits, stage payments, project balances, and high-value invoices. Instead of paying card fees on larger jobs, request payment directly from your customer's bank.
If your average invoice is above £500, Kube is built for you.
Card Fees Grow With Every Job
The larger the invoice, the more margin disappears.
Manual bank transfers aren't better
It works — but it's messy and unprofessional.
Bank Payments That Feel Like a Checkout
Kube turns bank transfers into structured payment requests.
Send a secure link or QR
Generate a payment request in seconds and share via WhatsApp, SMS or email.
Customer approves in banking app
No card details needed. Customers authorise payment directly within their bank.
Instant confirmation
Receive real-time confirmation with automatic reference tracking and status updates.
Whether the job is £600, £2,500 or £12,000 — the fee stays the same.
£1 per payment
How Kube Compares to Card Fees
| Job Value | Card Fee (0.6%) | Kube Cost | You Save |
|---|---|---|---|
| £800 | £4.80 | £1 | £3.80 |
| £2,500 | £15 | £1 | £14 |
| £5,000 | £30 | £1 | £29 |
| £10,000 | £60 | £1 | £59 |
Example: A kitchen installer collecting a £2,500 deposit — Card payment: £15 fee. Kube payment: £1 fee. You keep £14 more on the same job.
Secure UK Banking Infrastructure
Payments through Kube use regulated UK Open Banking infrastructure. Customers authorise payments directly within their own banking app.
Payments Go Directly To Your Bank
Kube does not hold your funds. Payments move directly from the customer's bank to your bank using secure Pay-by-Bank infrastructure.
You receive confirmation as soon as the payment is authorised.
Built for How Real Jobs Get Paid
Most businesses don't collect one payment. They collect: Deposit → Work → Remaining Balance. Kube supports the full payment journey.
All tied to the same job reference.
How It Works
Free Merchant Fee Audit
Upload a recent merchant statement. We analyse your real card processing costs.
Request your auditchevron_rightSend a Payment Request
Enter the job amount and reference. Kube generates a secure payment link, QR code and payment reference. Send it instantly via WhatsApp, SMS or email.
Customer Pays by Bank
The customer authorises payment inside their banking app. You receive confirmation instantly. If unpaid, Kube can send a reminder automatically.
Many merchants simply send the payment request inside their existing WhatsApp conversation with the customer.
Use cards for small payments. Use Kube for deposits and larger jobs.
Best suited for invoices £500+
Clear Pricing. No Percentage Fees.
Card processors take a percentage of every large job. Kube doesn't. You can either pay monthly with £1 per payment, or use Kube occasionally without a subscription. No contracts. Cancel anytime.
Occasional
- checkPay-by-Bank payment links
- checkQR code payments
- checkSecure checkout page
- checkReal-time payment tracking
- checkEmail payment receipts
Starter
- checkPayment links
- checkQR code payments
- checkWhatsApp payment requests
- checkSecure checkout page
- checkReal-time tracking
- checkEmail receipts
Growth
- checkEverything in Starter, plus:
- checkAuto WhatsApp reminders
- checkPayment confirmations
- checkCSV export of payments
- checkEnhanced payment tracking
Pro
- checkEverything in Growth, plus:
- checkMulti-user team access
- checkAdvanced reporting
- checkPriority support
- checkAPI access
- checkCustom branding
What You'll Never See
Whether the payment is £600, £2,500 or £12,000 — the fee is still £1 per payment (subscription plans) or £3.50 per payment (Occasional Use). Funds go directly to your bank.
Stop Guessing What Your Card Fees Are Costing You
Upload a recent merchant statement and we'll analyse your true card processing costs.
We also review statements for billing errors or incorrect pricing. If recoverable overcharges are identified, we can help pursue recovery. No cost. No obligation.
Upload a Statementupload_fileReady to stop losing margin on larger jobs?
Join thousands of UK businesses accepting Pay-by-Bank payments today.
Get Your Free Fee Auditarrow_forward