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Gaffer Pay

Get paid like
it's 2026.

Branded checkout pages your customers actually want to use. Bank, card, Apple Pay, Google Pay — one link, instant reconciliation, money in your account fast.

Included on every Gaffer plan. No monthly payment fees.

BP
Bristol Plumbing & Heating
Invoice #INV-2026-042
Amount due
£1,250.00
Boiler installation£950.00
Parts & materials£200.00
Waste removal£100.00
Add Annual Service Plan
£12/month — annual boiler service, priority callouts, parts guarantee
EncryptedPCI DSSGaffer Pay

Your brand, your checkout

Fully branded

Your logo, colours, and custom messaging. Customers see you, not us.

Upsells at checkout

Offer maintenance plans, warranties, or extras before they pay.

Works on any device

Responsive checkout that looks great on mobile, tablet, and desktop.

One-link payments

Send via SMS, email, or WhatsApp. Customer taps and pays.

Invoice to cash in four steps

1

Send invoice

One click from any job. Customer gets an email or SMS with a payment link.

2

Customer pays

Branded checkout. Bank, card, Apple Pay, or Google Pay — their choice.

3

Auto-reconcile

Payment matches to the invoice and job automatically. No spreadsheets.

4

Money lands

Funds in your bank account. Next business day payouts available.

Every way your customers want to pay

One checkout, multiple payment methods. Lower fees when they pay by bank.

LOWEST FEES

Pay by Bank

Open Banking

Instant bank-to-bank payments. No card details needed. Customer confirms in their banking app and it's done.

From 0.7% on Scale — up to 70% cheaper than card
Fee caps on every plan — no surprises on big invoices
Instant confirmation — no 3–5 day clearing

Card & Wallet

Visa, Mastercard, Amex

All major cards plus Apple Pay and Google Pay. Customers pay the way they already shop online.

From 2.2% + 30p on Scale
Apple Pay & Google Pay — one tap to pay
3D Secure authentication built-in

Transparent, tiered rates

Higher plans unlock lower transaction fees. No hidden charges.

 StarterGrowthScale
Pay by Bank1.9%1.0%0.7%
Card payments2.9% + 30p2.5% + 30p2.2% + 30p
Fixed fee30p30p30p
Payouts2 business days2 business daysNext business day

Pass fees to customers, absorb them, or split them — you control it from your dashboard.

Example: £5,000 boiler install paid by bank

Starter
£95.30
1.9% + 30p
Growth
£50.30
1.0% + 30p
Scale
£35.30
0.7% + 30p — best rate

Compare that to card fees: the same invoice by card on Starter would cost £145.30. Pay by Bank saves your customers money on every invoice.

Your checkout is a revenue engine

Every payment page is an opportunity. Upsell maintenance plans, cross-sell extras, and collect deposits — all before the customer hits "Pay".

BOOST AOV

Upsells at checkout

When a customer goes to pay their boiler install invoice, offer them an annual service plan right there on the checkout page. It's the moment they trust you most — and the easiest "yes" you'll ever get.

Maintenance plans

Recurring revenue from one-off jobs. Offer annual service plans at checkout.

Extended warranties

Parts and labour guarantees that give peace of mind and margin.

Add-on services

Powerflush with the boiler install? Smart thermostat upgrade? One click to add.

Cross-sell materials

Let customers add items before they pay. Filters, CO detectors, radiator covers — things they'd buy anyway, but now from you instead of Amazon.

CO Detector
Recommended add-on
+ £25
Magnetic Filter
Protects the new boiler
+ £85
Smart Thermostat
Fitted & configured
+ £195

Deposit & staged payments

Collect a deposit at booking, a milestone payment mid-job, and the balance on completion. You set the splits — customers see a clear payment schedule.

1
Deposit (30%)£375 — Paid ✓
2
First fix (40%)£500 — Due on completion
3
Balance (30%)£375 — Due on handover

Recurring revenue

Turn one-off jobs into ongoing income. Customers who buy a maintenance plan at checkout become predictable monthly revenue — and future job leads.

Annual Boiler Service Plan
£12/mo
  • Annual boiler service included
  • Priority callouts — same day response
  • Parts & labour guarantee
  • 10% off future work

Everything else you need

From chasing to reconciliation — payments on autopilot.

Branded checkout

Your logo, colours, and custom messaging. Customers see your brand, not ours.

Payment links

Send via SMS, email, or WhatsApp. One tap to pay on any device.

Auto payment chasing

Automated reminders — friendly on day 1, firm on day 14. You set the cadence.

Auto-reconciliation

Payments match to invoices and jobs instantly. No manual entry.

Payment dashboard

Real-time view of received, pending, and overdue — across all jobs.

Invoice tracking

See when customers open, view, and pay invoices in real time.

Refunds & disputes

Full or partial refunds from your dashboard. Dispute management built-in.

Fee pass-through

Absorb fees, pass them to the customer, or split them. Your choice per invoice.

Mobile-first

Checkout pages designed for the phone in your customer's hand. Works everywhere.

Secure by default

PCI DSS Level 1

Card data never touches your server

256-bit encryption

Bank-grade TLS on every request

FCA regulated

Compliant payment processing

3D Secure

Strong customer authentication

Stop chasing payments

Enable Gaffer Pay and let your customers pay instantly from any invoice. Included on every plan.

Limited early access spots available