Plain answers.

Card processors charge a percentage (around 2.5%) plus a per-transaction fee. On a £500 invoice that's ~£12.50. Invoicr uses bank-to-bank Instant Bank Pay (via GoCardless) which charges £4 flat regardless of invoice amount. You save £8.50 per £500 invoice.

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 covers 95%+ of UK retail bank accounts (every major high-street bank, plus most challenger banks). For the rare exceptions, Pro and Business plans include Apple Pay and Google Pay as fallbacks.

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 UK 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.