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Customers love to pay with Underpay!


A payment experience that goes beyond the ordinary.

Attract, convert, and retain more customers with instant bank payments and performance-driven marketing.


A payments platform built for e-commerce

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One-click integration

Underpay offers no-code integrations with all major platforms, including our official Shopify plugin.

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Low fees

We charge a market-leading 1.50% + 20p rate for all Underpay payments.

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Get your money sooner

Unlike card processors, payments made via Underpay reach your account instantly.

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Free refunds

Seamlessly issue refunds for free from your Underpay dashboard.

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No chargebacks

Underpay payments cannot be claimed back giving you added certainty about your cashflow.

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Reliable payment infrastructure

Our payments infrastructure is powered by best-in-class, fully regulated tech providers.

How it works
Customers pay directly to you, we reward them with loyalty points
1. Customer pays with their existing bank account
Underpay supports paying with 20+ major UK banks. No new account required.
2. We reward them with valuable points at no extra cost to you
Customers earn 1% back in Underpay points at no extra cost to you.
3. Our rewards programme is designed to grow your top line
To redeem points, customers simply pay again at any Underpay store, including yours.


Attract, convert and retain more customers

Our payments & rewards platform gives consumers an incentive to discover your store, complete the purchase and keep coming back.


Tap into a new audience

There are 4 million young consumers without credit cards in the UK who love shopping online and really want to earn rewards. Underpay targets those consumers, helping them find your store!

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Retain more hard-earned customers

That ‘10% off next purchase’ email you send out? We highlight it directly in the Underpay app, drastically improving uptake.

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Increase checkout conversion

Our rewards will hold the customer's attention at checkout, ensuring they complete the purchase.

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Pricing structure aligned with your business goals

Pay for performance only when we directly bring you new sales. Pay a low transaction fee on all other payments.

1.50% + 20p

Transaction Fee

5% - 10%

Lead Gen Fee

  • icon-check-circle-fillSame day payouts
  • icon-check-circle-fillFree refunds
  • icon-check-circle-fillNo chargebacks
  • icon-check-circle-fill£0 setup costs
  • icon-check-circle-fillNo contract

Frequently asked questions

How do I integrate Underpay into my online store?

Do we have to stop accepting cards to use Underpay?

How does your payment technology work?

How does the Lead Generation Fee work?


Have more questions?

Please email us at