Pay by phone number
Pay enrolled contacts after verified name confirmation. Unregistered numbers get a safe invite.
Scan a QR, pay a contact, or request money — with verified recipients and clear payment status. Your money never leaves your bank until you approve.
Features
A consent-led account-to-account network for people and participating merchants.
Pay enrolled contacts after verified name confirmation. Unregistered numbers get a safe invite.
Static shop codes and dynamic amount codes, signed and time-limited, with clear merchant identity.
Your bank password stays at your bank. Payments are authorised through FCA-regulated Open Banking.
How it works
Click 2 Pay connects to your existing bank — there's nothing to load or withdraw.
Sign up and verify your mobile number so friends can find you.
Enable live banking once. You pick your bank securely when you pay.
Choose a contact or scan a QR, approve in your bank app, done.
Free to join. Merchants pay simple, transparent fees.