Pay by bank savings calculator
See what you could save each month and each year if some customers paid by bank instead of by card, using your own card fees and the pay by bank fees you've been offered. Free, no sign-up, nothing leaves your browser.
Use the rates your own providers quote; the starting numbers are only an example. Card fees here are what you pay per card payment, all in.
Why pay by bank can cost less
Pay by bank lets a customer pay straight from their bank account instead of using a card: they pick their bank, approve the exact amount in their banking app, and the money is usually sent by Faster Payments within seconds. There are no card numbers to type or store, and fees are often lower than card fees.
The trade-offs
Customers don't get card-style chargeback rights, and not everyone is used to paying this way yet. Many businesses offer it alongside cards rather than instead of them, which is why this calculator asks what share of customers you expect to switch.
Launch your own money app
SendPay platforms include accounts, payment links and invoicing under your own brand, powered by licensed partners. You can preview your platform before you pay.