Why we exist

Our mission is to make shopping more rewarding for consumers and businesses.

Retailers spend ~3% on accepting card payments. We help them reduce this cost and instead reward those who truly matter, their customers ❤️

Underpay leverages Open Banking to process online payments, reducing the cost by 10x.

We enable our partner stores to use the savings to reward their customers, giving all shoppers a unique opportunity to earn credit card-style points while helping stores acquire, convert and retain more customers.

Unlike the debt-fuelled reward schemes of credit card companies, Underpay is open to anyone with a UK bank account.


Beyond payments, we help our users save money when shopping online by building tech-enabled tools. Smart, contextual, easy to use. And always free!

Underpay makes online shopping fun, savvy and rewarding for everyone!