# PayHQ — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Fees:** 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
- **Fee model:** subscription
- **Settlement time:** Receive funds in seconds, not days.
- **Categories:** infrastructure, traditional
- **Countries served:** 1 (GB)
- **Payment methods:** apple_pay, credit_card, google_pay, invoice, open_banking, payment_link, paypal, qr_code

## Legal & compliance

Legal entities:
- ExpenseDoc Ltd — United Kingdom — licenses: Payment Institution, GB, FCA

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/payhq#compliance.


Canonical page: https://paymentproviders.io/providers/payhq

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)