Safe and Secure Payments that Earn You Discounts

Underpay is not a credit card. It's a payment platform (like PayPal) that lets you pay directly from your bank account to online stores using Open Banking, eliminating the need for cards.

We save on card network (Visa, Mastercard) fees by utilizing Open Banking, which lowers costs for retailers and allows us to offer you rewards for using Underpay.

Open Banking is a UK government initiative to enable fast and safe direct money transfers between, without sharing your account details. It's like opening your bank app and sending money, except without the annoying typing in of account number and sort code.

Extremely safe. Your bank account cannot be accessed by Underpay or any store, ensuring your money and data are protected against unauthorized charges and breaches. Unlike with card providers, we don't need to hold your sensitive financial data.

No. Underpay links securely to your existing bank account, which means you don't need to open a new bank account to start earning points. All we need is an email address so you can access your points.