how it works

Get paid in three simple steps

As a PISP we use Open Banking to allow our users to create a payment request that can be used by the payer to securely transfer funds using their banks mobile or online banking platform.  The funds are sent directly from the payers bank account to the receivers bank account as if they had completed a standard bank transfer

Create a
Payment Request

Simply enter the amount and an optional description of what the payment is for.

Share the
Payment Request

Share the payment request
with the payer

Funds Arrive
in Seconds

The payment arrives in your bank account in a matter of seconds exactly like a regular bank transfer.

Here's how it works

Don't forget your first 10 payments each month are free so set up your account now and stop tapping your card and start Zapping!

Step 1 - Requesting a payment

Once your account is open you can start requesting payments.
Simply type in the amount you need to be paid and any reference number you want to appear on your bank statement when it arrives.
Wow - that was pretty easy wasn't it!

Step 2 - Share your payment request

Zap generates a QR code that the payer can scan in person or alternatively you can send them the payment link embedded in an SMS message or email.
Your work is done - sit back, relax we'll let you know when the money hits your account!

Step 3 - Making the payment

Once the payer scans the QR code or clicks on the link in the SMS or email they are taken to a list of the UK's leading retail banks.
They now just need to select the one they bank with and they will be redirected into their mobile or online banking app.
OK - stay calm its nearly done!

Step 4 - The final step

The payer is taken to their familiar mobile or online banking payment screen where they see the payment to you already set up with your bank details and your reference number already embedded in the instruction.
They click pay and the payment is pushed by their bank straight into the UK Faster Payment network (the network that carries all of the UK bank to bank payments) and will arrive in your account within seconds without passing through any intermediaries.
That's it folks! - move along now, nothing to see here, the payments over!

Step 1 - Requesting a payment

Once your account is open you can start requesting payments.
Simply type in the amount you need to be paid and any reference number you want to appear on your bank statement when it arrives.
Wow - that was pretty easy wasn't it!

Step 2 - Share your payment request

Zap generates a QR code that the payer can scan in person or alternatively you can send them the payment link embedded in an SMS message or email.
Your work is done - sit back, relax we'll let you know when the money hits your account!

Step 3 - Making the payment

Once the payer scans the QR code or clicks on the link in the SMS or email they are taken to a list of the UK's leading retail banks.
They now just need to select the one they bank with and they will be redirected into their mobile or online banking app.
Everyone stay calm, we are almost done!

Step 4 - The final step

The payer is taken to their familiar mobile or online banking payment screen where they see the payment to you already set up with your bank details and your reference number already embedded in the instruction.
They click pay and the payment is pushed by their bank straight into the UK Faster Payment network (the network that carries all of the UK bank to bank payments) and will arrive in your account within seconds without passing through any intermediaries.
That's it folks! - move along now, nothing to see here, the payments over!

Still don't think you know enough about Open Banking and how it works?

Banks we work with to help you get paid quicker
HOW IT WORKS

Zaps amazing features

Easy to setup

Manage from your mobile or laptop. No terminal required

Low transaction Fees

0.5%
capped at £3

Mobile Ready

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Instant Funds

Payments settled instantly! No 2 or 3 day wait as with cards

Great customer experience

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No cards needed

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Request to get paid

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Keep more of your revenue

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Reduced fraud risk

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Instant Funds. No Hardware.

Ready to get started? Register now for an account and start accepting payments within 5 minutes. It's that simple!