Upgrade your payments with Pay-By-Link

One link. Two ways to get paid.

EchoPay’s Pay by Link lets your office team generate a unique payment request directly from your dashboard and send it straight to the customer via WhatsApp or email. When the customer opens the link, they are given a clear, transparent choice: settle instantly via their mobile banking app, or check out using a standard card payment.

Invoices settled for a low fixed cost

When your customer selects the "Pay by Bank" option on that link, the transaction is directed to our open banking infrastructure. This completely bypasses traditional card networks, replacing expensive percentage-based processing fees with a completely flat, fixed rate of under £1 per transaction. Whether the order is £500 or £25,000, you pay the exact same, keeping your cash flow entirely in your business.

Reduced commercial card costs

If the customer chooses to pay by card on that same link, EchoPay's built-in automated card surcharging module becomes your MVP. Our payment gateway detects if they are attempting to pay using a commercial card. If they are, it automatically applies a custom surcharge to recover the exact processing costs incurred, ensuring your margins are protected.

Case Study - DIBS Distribution

How Pay-By-Bank saves them over £100,000 each year.

By routing through open banking, DIBS Distribution completely bypassed the expensive card networks and replaced variable percentage fees with EchoPay's flat, fixed transaction rate. The financial impact was immediat, saving the business over £100,000 a year in processing costs. This transforms a traditional banking expense into protected bottom-line revenue while keeping the payment process completely frictionless for their regular trade customers.

Upgrade your payments with Pay-By-Link

One link. Two ways to get paid.

Invoices settled for a low fixed cost

Reduced commercial card costs

Case Study - DIBS Distribution

How Pay-By-Bank saves them over £100,000 each year.

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