Invoicing tool with UK direct bank payment integration
Invoicr is an invoicing app built for UK sole traders that lets clients pay you bank-to-bank via open banking instead of card processors, saving you around £8.50 per £500 invoice. The app is free for your first 5 invoices and 3 customers each month.
How bank-to-bank invoicing saves you money
Most invoicing tools offer card payment processors like Stripe or Square. You pay 2.5% of the transaction value. On a £500 invoice, that's £12.50 in fees. Invoicr routes payments through UK open banking instead. Your client's bank talks directly to yours. You pay a flat, low fee per transaction, typically around £4 on the same £500 invoice. That's a saving of roughly £8.50. For tradespeople and consultants sending invoices regularly, this compounds fast. As of 2026, open banking is now mature in the UK; most high street banks support it, and Invoicr handles all the connectivity behind the scenes.
Who Invoicr is built for
Invoicr exists for UK sole traders and tradespeople: plumbers, electricians, gardeners, builders, decorators, mobile mechanics, and handymen. It also works for consultants, freelancers, and small business owners who invoice from their phone. The app is mobile-first. You don't need a laptop or desktop. You create an invoice, send it to your client (via email, WhatsApp on the Pro plan, or a direct link), and they pay you straight from their bank account. The Pro tier adds unlimited invoices, automated payment reminders, WhatsApp delivery, and quote generation. The Business tier brings 5 team seats, VAT compliance, CIS tracking, and accountant-ready exports.
Free tier vs Pro vs Business
The Free tier costs nothing and includes 5 invoices per month, 3 customers, and bank-to-bank payments. It's genuinely free, no credit card required. Pro costs £9.99 per month or £79.99 per year and unlocks unlimited invoices, automated payment reminders, WhatsApp invoice delivery, and quote templates. Business costs £19.99 per month or £179.99 per year and adds 5 team seats so your admin or accountant can help manage invoices, plus VAT compliance, CIS deductions tracking, and export functionality for your accountant. Most UK tradespeople start on Free and move to Pro as their client base grows.
Payment flow and client experience
When you send an invoice from Invoicr, your client receives it via email or WhatsApp (Pro plan). They open the link, review the invoice, and see a 'Pay now' button. They tap it, confirm their bank details, and authorise the payment using their banking app or online banking login. The money lands in your account within minutes. No card details are typed in. No card fees are charged. Your client stays safe because they're paying from their own bank app, which they trust. Invoicr acts as the intermediary, but the payment path is bank to bank.
Key features for UK tradespeople
Invoicr includes a mobile-first invoice builder, customisable templates with your branding, a client portal so clients can view their invoice history, and automated payment reminders (Pro). The app tracks which invoices have been paid, overdue, or pending. It stores your client details so you don't re-enter them every invoice. Pro and Business tiers support team logins, so a spouse or bookkeeper can help. Business tier customers get VAT and CIS compliance tools, important if you're in construction or contracting. You can also export invoices and payment data for your accountant. The entire app is built around UK tax law and UK banking infrastructure.
Why not card processors
Card payments are convenient for high-volume, low-value retail. For a tradesperson invoicing £300, £500, or £1,000 to regular clients, card fees erode profit margins. You also don't need the chargeback risk or the compliance overhead of handling card data. UK open banking sidesteps both. Your client authorises a payment from their own bank account, just as they would for any other bank transfer. The only difference is Invoicr makes it one tap, instant, and automatic. If you're comparing invoicing tools and the cheaper option relies on card payments, calculate the true cost. Invoicr's flat-fee bank-to-bank model typically wins for tradespeople after a few invoices per month.
Start invoicing with bank payments today, free.
Frequently asked questions
Does Invoicr support card payments as well as bank transfers?
Invoicr focuses on bank-to-bank open banking payments because they cost less and are faster for both you and your client. Card payment options are not currently included. If a client specifically needs card payment for a one-off transaction, you'd handle that separately outside the app.
Can I use Invoicr if I'm not a UK resident or operate outside the UK?
Invoicr is built specifically for UK sole traders and UK open banking infrastructure. It's not designed for non-UK users or international payments at this time. The app focuses on UK VAT, CIS compliance, and UK bank connections.
How long does a bank payment take to arrive?
Most bank-to-bank payments via UK open banking arrive within minutes, often instantly. It depends on your client's bank and yours, but same-day settlement is typical. This is much faster than card processors, which often hold funds for a few days.
What's the flat fee per bank payment transaction?
Invoicr charges a flat, low fee per transaction, typically around £4 on a £500 invoice. This is significantly less than card processor fees, which would be around £12.50 on the same amount. The exact fee depends on your plan and transaction size.
Can my team use Invoicr if I upgrade to Business?
Yes. The Business plan (£19.99/month or £179.99/year) includes 5 team seats. Your admin, bookkeeper, or partner can log in and manage invoices alongside you.
Does Invoicr handle VAT and CIS?
The Free and Pro tiers do not include VAT or CIS tracking. The Business tier (£19.99/month or £179.99/year) adds VAT compliance and CIS deductions tracking, plus accountant export functionality, tailored for UK contractors and construction workers.