Frequently Asked Questions
Clear, straightforward answers to the most common questions about PayPath.
What is PayPath?
PayPath allows UK businesses to pay rent and other business payments using a credit card, even when the recipient only accepts bank transfer.
Who is PayPath for?
PayPath is designed for UK-based businesses making business payments such as rent, supplier invoices, and contractor payments.
Can the rewards earned outweigh the PayPath fee?
Yes, it depends on your card rewards rate and how you redeem points. PayPath fees may also be treated as an allowable business expense (subject to your circumstances), which can reduce the effective cost of using the service. The exact benefit depends on your business and tax position, so we recommend checking with your accountant. For businesses using rewards cards, the combination of card points/cashback plus improved cashflow can outweigh the PayPath fee on larger payments such as rent and supplier invoices. Rewards and benefits are determined by your card issuer and may vary by card type and provider.
How do I work out if PayPath is worth it for my business?
It comes down to three things: 1. the value of rewards you earn on your card 2. the cashflow benefit of paying later 3. whether the fee is an allowable business expense for you Here’s a simple example. Example — £8,000 monthly rent payment • PayPath fee (1.80% VAT included): £144 • Rewards earned (typical ranges): • 1% cashback card → ~£80 value • airline points (1–1.5 per £) → ~£80–£120+ value (depending on redemption) In addition, paying by card can give 30–55 days of cashflow flexibility, which many businesses value more than the headline fee. For VAT-registered businesses, PayPath fees may also be treated as an allowable business expense, which can further reduce the effective cost. This depends on your circumstances, so always check with your accountant.
Is PayPath mainly about rewards or cashflow?
For most businesses, it’s about both. Rewards can offset part of the fee, while the real benefit often comes from improved cashflow — especially for large, fixed payments like rent or supplier invoices.
Is PayPath a loan or credit facility?
No. PayPath does not lend money or provide credit. You use your existing credit card, and your card issuer sets your credit limit, interest, and rewards.
Do landlords or suppliers need to sign up?
No. Landlords and suppliers do not need an account, app, or any involvement. They receive a normal UK bank transfer, exactly as they do today.
Will my landlord or supplier know I paid by credit card?
No. From their perspective, the payment appears as a standard bank transfer with your chosen payment reference.
How long does it take for payments to be received?
Card payments settle on a T+2 business-day cycle. Once settlement is complete, we release the funds to the recipient via UK Faster Payments or BACS, depending on the amount and bank processing times.
What does T+2 mean?
T refers to the day the card payment is made. T+2 means two business days after that date. For example, a payment made on Monday settles on Wednesday. Weekends do not count as settlement days.
Are payments instant?
No. While the card is charged immediately, funds must settle before they can be released. This settlement process is standard across card-to-bank payment platforms.
How can I make sure my landlord is paid on time?
We recommend making payments 2–3 business days before the due date or setting up recurring monthly payments. Automated reminders help ensure you never miss a deadline.
Do I receive confirmation and receipts?
Yes. You’ll receive an email confirmation when a payment is made, a receipt showing fees and VAT, and a notification once funds are sent to the recipient. All records remain available in your account.
Which cards are supported?
PayPath supports UK-issued Visa and Mastercard cards
Can I use an international card?
No. Only UK-issued credit cards are supported. This ensures consistent fees and reliable processing.
Can I earn points, cashback, or Avios?
Yes. Payments are treated as card transactions, so you earn rewards according to your card issuer’s rules. Rewards are set by your card provider, not PayPath.
How much does PayPath cost?
PayPath charges a £24 monthly subscription and a 1.80% transaction fee per payment. The transaction fee is VAT included.
Are there any hidden fees?
No. There are no setup fees, payout fees, or hidden charges. You only pay the monthly subscription and the transaction fee.
Why is the transaction fee 1.80%?
Our fee is a simple flat rate of 1.80% (VAT included). This covers: • card processing costs (interchange and scheme fees) • our payment provider’s fee • PayPath’s service fee • all compliance and security costs • VAT We bundle everything into one transparent fee so you always know exactly what you’ll pay — with no hidden charges.
Why not charge a lower percentage?
Card processing costs vary by card type and network. A single fixed, VAT-inclusive rate avoids card-type surcharges, fluctuating fees, and unexpected costs.
Do recipients receive less because of the fee?
No. The recipient receives the full payment amount. Fees are paid by you, not deducted from the recipient.
Why do I need to complete business verification?
Verification is required to comply with UK regulations and prevent fraud. It helps protect all parties and significantly reduces chargeback risk.
What documents do I need to upload?
You may be asked to upload a tenancy agreement or invoice, business details, and director verification documents as part of standard checks.
Is this KYC?
Yes. We carry out standard KYC and KYB checks as part of onboarding, in line with UK regulations.
Is PayPath secure?
Yes. Payments are powered by FCA-authorised payment infrastructure, and client funds are safeguarded in segregated accounts in accordance with UK regulations.
Is PayPath FCA authorised?
Payments on PayPath are powered by Ryft, an FCA-authorised Payment Institution. Ryft is responsible for processing payments and safeguarding client funds in segregated accounts in accordance with UK regulations.
What happens if there is a chargeback?
Chargebacks are handled through standard card network processes. Verification and supporting documentation significantly reduce the likelihood of disputes.
Can payments be reversed?
Once funds have been sent to the recipient by bank transfer, payments cannot be reversed.
Can I cancel my subscription?
Yes. Subscriptions are billed monthly and can be cancelled at any time. There are no long-term contracts.
Are there any country restrictions?
Yes. PayPath currently supports UK businesses, UK-issued credit cards, and UK bank accounts only.
Where can I learn more about compliance?
You can find full details on our Compliance page.
Can I use a personal credit card for business payments?
Yes. You may use a UK-issued personal or business credit card, provided you are the cardholder and the payment is for a legitimate business expense. Your card issuer’s terms apply.
What is PayPath?
PayPath allows UK businesses to pay rent and other business payments using a credit card, even when the recipient only accepts bank transfer.
Who is PayPath for?
PayPath is designed for UK-based businesses making business payments such as rent, supplier invoices, and contractor payments.
Can the rewards earned outweigh the PayPath fee?
Yes, it depends on your card rewards rate and how you redeem points. PayPath fees may also be treated as an allowable business expense (subject to your circumstances), which can reduce the effective cost of using the service. The exact benefit depends on your business and tax position, so we recommend checking with your accountant. For businesses using rewards cards, the combination of card points/cashback plus improved cashflow can outweigh the PayPath fee on larger payments such as rent and supplier invoices. Rewards and benefits are determined by your card issuer and may vary by card type and provider.
How do I work out if PayPath is worth it for my business?
It comes down to three things: 1. the value of rewards you earn on your card 2. the cashflow benefit of paying later 3. whether the fee is an allowable business expense for you Here’s a simple example. Example — £8,000 monthly rent payment • PayPath fee (1.80% VAT included): £144 • Rewards earned (typical ranges): • 1% cashback card → ~£80 value • airline points (1–1.5 per £) → ~£80–£120+ value (depending on redemption) In addition, paying by card can give 30–55 days of cashflow flexibility, which many businesses value more than the headline fee. For VAT-registered businesses, PayPath fees may also be treated as an allowable business expense, which can further reduce the effective cost. This depends on your circumstances, so always check with your accountant.
Is PayPath mainly about rewards or cashflow?
For most businesses, it’s about both. Rewards can offset part of the fee, while the real benefit often comes from improved cashflow — especially for large, fixed payments like rent or supplier invoices.
Is PayPath a loan or credit facility?
No. PayPath does not lend money or provide credit. You use your existing credit card, and your card issuer sets your credit limit, interest, and rewards.
Do landlords or suppliers need to sign up?
No. Landlords and suppliers do not need an account, app, or any involvement. They receive a normal UK bank transfer, exactly as they do today.
Will my landlord or supplier know I paid by credit card?
No. From their perspective, the payment appears as a standard bank transfer with your chosen payment reference.
How long does it take for payments to be received?
Card payments settle on a T+2 business-day cycle. Once settlement is complete, we release the funds to the recipient via UK Faster Payments or BACS, depending on the amount and bank processing times.
What does T+2 mean?
T refers to the day the card payment is made. T+2 means two business days after that date. For example, a payment made on Monday settles on Wednesday. Weekends do not count as settlement days.
Are payments instant?
No. While the card is charged immediately, funds must settle before they can be released. This settlement process is standard across card-to-bank payment platforms.
How can I make sure my landlord is paid on time?
We recommend making payments 2–3 business days before the due date or setting up recurring monthly payments. Automated reminders help ensure you never miss a deadline.
Do I receive confirmation and receipts?
Yes. You’ll receive an email confirmation when a payment is made, a receipt showing fees and VAT, and a notification once funds are sent to the recipient. All records remain available in your account.
Which cards are supported?
PayPath supports UK-issued Visa and Mastercard cards
Can I use an international card?
No. Only UK-issued credit cards are supported. This ensures consistent fees and reliable processing.
Can I earn points, cashback, or Avios?
Yes. Payments are treated as card transactions, so you earn rewards according to your card issuer’s rules. Rewards are set by your card provider, not PayPath.
How much does PayPath cost?
PayPath charges a £24 monthly subscription and a 1.80% transaction fee per payment. The transaction fee is VAT included.
Are there any hidden fees?
No. There are no setup fees, payout fees, or hidden charges. You only pay the monthly subscription and the transaction fee.
Why is the transaction fee 1.80%?
Our fee is a simple flat rate of 1.80% (VAT included). This covers: • card processing costs (interchange and scheme fees) • our payment provider’s fee • PayPath’s service fee • all compliance and security costs • VAT We bundle everything into one transparent fee so you always know exactly what you’ll pay — with no hidden charges.
Why not charge a lower percentage?
Card processing costs vary by card type and network. A single fixed, VAT-inclusive rate avoids card-type surcharges, fluctuating fees, and unexpected costs.
Do recipients receive less because of the fee?
No. The recipient receives the full payment amount. Fees are paid by you, not deducted from the recipient.
Why do I need to complete business verification?
Verification is required to comply with UK regulations and prevent fraud. It helps protect all parties and significantly reduces chargeback risk.
What documents do I need to upload?
You may be asked to upload a tenancy agreement or invoice, business details, and director verification documents as part of standard checks.
Is this KYC?
Yes. We carry out standard KYC and KYB checks as part of onboarding, in line with UK regulations.
Is PayPath secure?
Yes. Payments are powered by FCA-authorised payment infrastructure, and client funds are safeguarded in segregated accounts in accordance with UK regulations.
Is PayPath FCA authorised?
Payments on PayPath are powered by Ryft, an FCA-authorised Payment Institution. Ryft is responsible for processing payments and safeguarding client funds in segregated accounts in accordance with UK regulations.
What happens if there is a chargeback?
Chargebacks are handled through standard card network processes. Verification and supporting documentation significantly reduce the likelihood of disputes.
Can payments be reversed?
Once funds have been sent to the recipient by bank transfer, payments cannot be reversed.
Can I cancel my subscription?
Yes. Subscriptions are billed monthly and can be cancelled at any time. There are no long-term contracts.
Are there any country restrictions?
Yes. PayPath currently supports UK businesses, UK-issued credit cards, and UK bank accounts only.
Where can I learn more about compliance?
You can find full details on our Compliance page.
Can I use a personal credit card for business payments?
Yes. You may use a UK-issued personal or business credit card, provided you are the cardholder and the payment is for a legitimate business expense. Your card issuer’s terms apply.
What is PayPath?
PayPath allows UK businesses to pay rent and other business payments using a credit card, even when the recipient only accepts bank transfer.
Who is PayPath for?
PayPath is designed for UK-based businesses making business payments such as rent, supplier invoices, and contractor payments.
Can the rewards earned outweigh the PayPath fee?
Yes, it depends on your card rewards rate and how you redeem points. PayPath fees may also be treated as an allowable business expense (subject to your circumstances), which can reduce the effective cost of using the service. The exact benefit depends on your business and tax position, so we recommend checking with your accountant. For businesses using rewards cards, the combination of card points/cashback plus improved cashflow can outweigh the PayPath fee on larger payments such as rent and supplier invoices. Rewards and benefits are determined by your card issuer and may vary by card type and provider.
How do I work out if PayPath is worth it for my business?
It comes down to three things: 1. the value of rewards you earn on your card 2. the cashflow benefit of paying later 3. whether the fee is an allowable business expense for you Here’s a simple example. Example — £8,000 monthly rent payment • PayPath fee (1.80% VAT included): £144 • Rewards earned (typical ranges): • 1% cashback card → ~£80 value • airline points (1–1.5 per £) → ~£80–£120+ value (depending on redemption) In addition, paying by card can give 30–55 days of cashflow flexibility, which many businesses value more than the headline fee. For VAT-registered businesses, PayPath fees may also be treated as an allowable business expense, which can further reduce the effective cost. This depends on your circumstances, so always check with your accountant.
Is PayPath mainly about rewards or cashflow?
For most businesses, it’s about both. Rewards can offset part of the fee, while the real benefit often comes from improved cashflow — especially for large, fixed payments like rent or supplier invoices.
Is PayPath a loan or credit facility?
No. PayPath does not lend money or provide credit. You use your existing credit card, and your card issuer sets your credit limit, interest, and rewards.
Do landlords or suppliers need to sign up?
No. Landlords and suppliers do not need an account, app, or any involvement. They receive a normal UK bank transfer, exactly as they do today.
Will my landlord or supplier know I paid by credit card?
No. From their perspective, the payment appears as a standard bank transfer with your chosen payment reference.
How long does it take for payments to be received?
Card payments settle on a T+2 business-day cycle. Once settlement is complete, we release the funds to the recipient via UK Faster Payments or BACS, depending on the amount and bank processing times.
What does T+2 mean?
T refers to the day the card payment is made. T+2 means two business days after that date. For example, a payment made on Monday settles on Wednesday. Weekends do not count as settlement days.
Are payments instant?
No. While the card is charged immediately, funds must settle before they can be released. This settlement process is standard across card-to-bank payment platforms.
How can I make sure my landlord is paid on time?
We recommend making payments 2–3 business days before the due date or setting up recurring monthly payments. Automated reminders help ensure you never miss a deadline.
Do I receive confirmation and receipts?
Yes. You’ll receive an email confirmation when a payment is made, a receipt showing fees and VAT, and a notification once funds are sent to the recipient. All records remain available in your account.
Which cards are supported?
PayPath supports UK-issued Visa and Mastercard cards
Can I use an international card?
No. Only UK-issued credit cards are supported. This ensures consistent fees and reliable processing.
Can I earn points, cashback, or Avios?
Yes. Payments are treated as card transactions, so you earn rewards according to your card issuer’s rules. Rewards are set by your card provider, not PayPath.
How much does PayPath cost?
PayPath charges a £24 monthly subscription and a 1.80% transaction fee per payment. The transaction fee is VAT included.
Are there any hidden fees?
No. There are no setup fees, payout fees, or hidden charges. You only pay the monthly subscription and the transaction fee.
Why is the transaction fee 1.80%?
Our fee is a simple flat rate of 1.80% (VAT included). This covers: • card processing costs (interchange and scheme fees) • our payment provider’s fee • PayPath’s service fee • all compliance and security costs • VAT We bundle everything into one transparent fee so you always know exactly what you’ll pay — with no hidden charges.
Why not charge a lower percentage?
Card processing costs vary by card type and network. A single fixed, VAT-inclusive rate avoids card-type surcharges, fluctuating fees, and unexpected costs.
Do recipients receive less because of the fee?
No. The recipient receives the full payment amount. Fees are paid by you, not deducted from the recipient.
Why do I need to complete business verification?
Verification is required to comply with UK regulations and prevent fraud. It helps protect all parties and significantly reduces chargeback risk.
What documents do I need to upload?
You may be asked to upload a tenancy agreement or invoice, business details, and director verification documents as part of standard checks.
Is this KYC?
Yes. We carry out standard KYC and KYB checks as part of onboarding, in line with UK regulations.
Is PayPath secure?
Yes. Payments are powered by FCA-authorised payment infrastructure, and client funds are safeguarded in segregated accounts in accordance with UK regulations.
Is PayPath FCA authorised?
Payments on PayPath are powered by Ryft, an FCA-authorised Payment Institution. Ryft is responsible for processing payments and safeguarding client funds in segregated accounts in accordance with UK regulations.
What happens if there is a chargeback?
Chargebacks are handled through standard card network processes. Verification and supporting documentation significantly reduce the likelihood of disputes.
Can payments be reversed?
Once funds have been sent to the recipient by bank transfer, payments cannot be reversed.
Can I cancel my subscription?
Yes. Subscriptions are billed monthly and can be cancelled at any time. There are no long-term contracts.
Are there any country restrictions?
Yes. PayPath currently supports UK businesses, UK-issued credit cards, and UK bank accounts only.
Where can I learn more about compliance?
You can find full details on our Compliance page.
Can I use a personal credit card for business payments?
Yes. You may use a UK-issued personal or business credit card, provided you are the cardholder and the payment is for a legitimate business expense. Your card issuer’s terms apply.
What is PayPath?
PayPath allows UK businesses to pay rent and other business payments using a credit card, even when the recipient only accepts bank transfer.
Who is PayPath for?
PayPath is designed for UK-based businesses making business payments such as rent, supplier invoices, and contractor payments.
Can the rewards earned outweigh the PayPath fee?
Yes, it depends on your card rewards rate and how you redeem points. PayPath fees may also be treated as an allowable business expense (subject to your circumstances), which can reduce the effective cost of using the service. The exact benefit depends on your business and tax position, so we recommend checking with your accountant. For businesses using rewards cards, the combination of card points/cashback plus improved cashflow can outweigh the PayPath fee on larger payments such as rent and supplier invoices. Rewards and benefits are determined by your card issuer and may vary by card type and provider.
How do I work out if PayPath is worth it for my business?
It comes down to three things: 1. the value of rewards you earn on your card 2. the cashflow benefit of paying later 3. whether the fee is an allowable business expense for you Here’s a simple example. Example — £8,000 monthly rent payment • PayPath fee (1.80% VAT included): £144 • Rewards earned (typical ranges): • 1% cashback card → ~£80 value • airline points (1–1.5 per £) → ~£80–£120+ value (depending on redemption) In addition, paying by card can give 30–55 days of cashflow flexibility, which many businesses value more than the headline fee. For VAT-registered businesses, PayPath fees may also be treated as an allowable business expense, which can further reduce the effective cost. This depends on your circumstances, so always check with your accountant.
Is PayPath mainly about rewards or cashflow?
For most businesses, it’s about both. Rewards can offset part of the fee, while the real benefit often comes from improved cashflow — especially for large, fixed payments like rent or supplier invoices.
Is PayPath a loan or credit facility?
No. PayPath does not lend money or provide credit. You use your existing credit card, and your card issuer sets your credit limit, interest, and rewards.
Do landlords or suppliers need to sign up?
No. Landlords and suppliers do not need an account, app, or any involvement. They receive a normal UK bank transfer, exactly as they do today.
Will my landlord or supplier know I paid by credit card?
No. From their perspective, the payment appears as a standard bank transfer with your chosen payment reference.
How long does it take for payments to be received?
Card payments settle on a T+2 business-day cycle. Once settlement is complete, we release the funds to the recipient via UK Faster Payments or BACS, depending on the amount and bank processing times.
What does T+2 mean?
T refers to the day the card payment is made. T+2 means two business days after that date. For example, a payment made on Monday settles on Wednesday. Weekends do not count as settlement days.
Are payments instant?
No. While the card is charged immediately, funds must settle before they can be released. This settlement process is standard across card-to-bank payment platforms.
How can I make sure my landlord is paid on time?
We recommend making payments 2–3 business days before the due date or setting up recurring monthly payments. Automated reminders help ensure you never miss a deadline.
Do I receive confirmation and receipts?
Yes. You’ll receive an email confirmation when a payment is made, a receipt showing fees and VAT, and a notification once funds are sent to the recipient. All records remain available in your account.
Which cards are supported?
PayPath supports UK-issued Visa and Mastercard cards
Can I use an international card?
No. Only UK-issued credit cards are supported. This ensures consistent fees and reliable processing.
Can I earn points, cashback, or Avios?
Yes. Payments are treated as card transactions, so you earn rewards according to your card issuer’s rules. Rewards are set by your card provider, not PayPath.
How much does PayPath cost?
PayPath charges a £24 monthly subscription and a 1.80% transaction fee per payment. The transaction fee is VAT included.
Are there any hidden fees?
No. There are no setup fees, payout fees, or hidden charges. You only pay the monthly subscription and the transaction fee.
Why is the transaction fee 1.80%?
Our fee is a simple flat rate of 1.80% (VAT included). This covers: • card processing costs (interchange and scheme fees) • our payment provider’s fee • PayPath’s service fee • all compliance and security costs • VAT We bundle everything into one transparent fee so you always know exactly what you’ll pay — with no hidden charges.
Why not charge a lower percentage?
Card processing costs vary by card type and network. A single fixed, VAT-inclusive rate avoids card-type surcharges, fluctuating fees, and unexpected costs.
Do recipients receive less because of the fee?
No. The recipient receives the full payment amount. Fees are paid by you, not deducted from the recipient.
Why do I need to complete business verification?
Verification is required to comply with UK regulations and prevent fraud. It helps protect all parties and significantly reduces chargeback risk.
What documents do I need to upload?
You may be asked to upload a tenancy agreement or invoice, business details, and director verification documents as part of standard checks.
Is this KYC?
Yes. We carry out standard KYC and KYB checks as part of onboarding, in line with UK regulations.
Is PayPath secure?
Yes. Payments are powered by FCA-authorised payment infrastructure, and client funds are safeguarded in segregated accounts in accordance with UK regulations.
Is PayPath FCA authorised?
Payments on PayPath are powered by Ryft, an FCA-authorised Payment Institution. Ryft is responsible for processing payments and safeguarding client funds in segregated accounts in accordance with UK regulations.
What happens if there is a chargeback?
Chargebacks are handled through standard card network processes. Verification and supporting documentation significantly reduce the likelihood of disputes.
Can payments be reversed?
Once funds have been sent to the recipient by bank transfer, payments cannot be reversed.
Can I cancel my subscription?
Yes. Subscriptions are billed monthly and can be cancelled at any time. There are no long-term contracts.
Are there any country restrictions?
Yes. PayPath currently supports UK businesses, UK-issued credit cards, and UK bank accounts only.
Where can I learn more about compliance?
You can find full details on our Compliance page.
Can I use a personal credit card for business payments?
Yes. You may use a UK-issued personal or business credit card, provided you are the cardholder and the payment is for a legitimate business expense. Your card issuer’s terms apply.
Secure & compliant by design
Payments are powered through an FCA-authorised payment institution. Funds are safeguarded in segregated accounts in line with UK regulation.
FCA-regulated infrastructure
Funds safeguarded
Secure verification & monitoring
Secure & compliant by design
Payments are powered through an FCA-authorised payment institution. Funds are safeguarded in segregated accounts in line with UK regulation.
FCA-regulated infrastructure
Funds safeguarded
Secure verification & monitoring
Secure & compliant by design
Payments are powered through an FCA-authorised payment institution. Funds are safeguarded in segregated accounts in line with UK regulation.
FCA-regulated infrastructure
Funds safeguarded
Secure verification & monitoring