Plain answers.

Square charges 1.75% for card payments. On a £500 invoice that's £8.75. Invoicr uses GoCardless Instant Bank Pay: 1% + 20p, capped at £4. So on £500 you pay £4 — saving £4.75 per invoice. The cap means big invoices cost the same as medium ones, which Square doesn't do.

It's a payment method where your customer authorises a one-off bank transfer through their own banking app — using Open Banking. It's FCA-regulated. Money usually lands in your account within seconds, faster than card.

No. They tap your invoice link, get redirected to their bank's app or web login, approve the payment, and they're done. Nothing to install, no account to create, no card details to share.

Yes. Open Banking is regulated by the FCA. Your customer authenticates with their own bank using their normal biometrics. No card details are shared with anyone. There's no card surface to be skimmed or cloned.

Open Banking is supported by every major UK high-street bank plus most challenger banks (Monzo, Starling, Revolut, Chase UK, etc.). For the rare cases where it isn't available, your customer can still receive the invoice as a PDF and pay you by manual bank transfer.

Yes. Invoicr exports CSV and PDF in the format UK accountants expect. CIS and VAT figures are calculated automatically. Business plan has a Xero-ready export.

Yes. Set your CIS deduction rate per customer or per job, and Invoicr handles the maths. The deduction is shown on the invoice and stored for your end-of-year return.

Yes — on Pro and Business plans. We tested where trades' customers actually read messages: WhatsApp wins over email for under-55 customers.

Free gives you 5 invoices a month and 3 customer profiles. Bank-to-bank payments are included on every plan. Pro removes the limits and adds reminders, WhatsApp, and quotes.

Yes. No exit fees, no minimum term. Cancel in Settings. You keep access to historical invoices either way.

MRVL Technologies — a British app studio building privacy-first apps for the UK market. Read more.