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infrastructure

PayHQ

PayHQ is the brand of ExpenseDoc Ltd, an FCA-authorised payment institution in the UK. Merchants use a single integration to connect their business systems to multiple payment gateways, which lets them switch gateways or keep one as a backup. Its BankPay product is marketed as having no transaction fees and instant payouts. PayHQ also offers invoices with embedded payment links, automatic invoice matching and reporting across gateways.

Not a merchant acquirer — no applications Visit Website
Fees from
Standard plan from free to 0.5% (first £1,000 free; final price by integration and volume); BankPay open banking marketed as no transaction fees; SMS 5p each; Sage integration +0.1% of turnover; Enterprise by quote
Settlement
Receive funds in seconds, not days.
Coverage
1 country
Payment methods
8
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with PayHQ before signing. Visit Website is an external link; we may earn a commission.

PayHQ overview

Best for

Businesses that use several payment gateways and want a single integration to route between them, add bank payments (BankPay), and reconcile payments against invoices.

PayHQ pricing & fees

Pricing structure

Pricing
Standard plan from free to 0.5% (first £1,000 free; final price by integration and volume); BankPay open banking marketed as no transaction fees; SMS 5p each; Sage integration +0.1% of turnover; Enterprise by quote
Your business must be registered in
Not disclosed

PayHQ settlement & payouts

Payouts

Settlement time
Receive funds in seconds, not days.
Settlement currencies
Not collected yet

PayHQ API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

PayHQ coverage & payment methods

Supported countries

1 country
GB

Payment methods

Apple PayCredit CardGoogle PayInvoiceOpen BankingPayment LinkPaypalQr Code

PayHQ licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

ExpenseDoc Ltd

United Kingdom

Licenses

Payment Institution GB

FCA Authorised Payment Institution (UK)

Financial Conduct Authority (UK)

License numbers & register records

1 license number · 1 register record on file for PayHQ, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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