Easy and Fast Payments Integration for E-commerce

Looking for an easy and intelligent digital payments solution? Enjoy a paperless banking with Payrow – no calls, no waiting in lines, and no hidden fees as a bonus.

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How it works

  • 1

    Sign up for Payrow to start a journey for free.

  • 2

    Go through the KYC and KYB processes in one day. Even if you have a complex ownership structure, Payrow knows how to onboard you.

  • 3

    Create your GBP or EUR account.

  • 4

    Invite your team members.

  • 5

    Start managing all your finances in one place.

Full Support for Your Business

Whether you're just starting your e-commerce business or have decades of experience, Payrow has reliable solutions to help you grow. Get access to safe, seamless, and paperless global money management tools in the UK and abroad.

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    No Problems with Chargebacks

    Unlike traditional banking, Payrow allows you to process payments and refunds faster

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    Transparent Fees and Payments

    We guarantee transparent pricing and no hidden fees for international and local payments

  • secured transactions, secured bank, bank security

    Advanced Security for All Transactions

    Use a PIN, Touch ID, Face ID, one-time pass, 3D secure with Payrow, your funds and transactions are always protected.

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    Remote Account Opening

    Go throw the KYC and KYB process online in one day. No need to show up in person - Payrow offers a hassle-free account opening service wherever you are.

  • automated tax processing

    Automated Tax ServicesSoon

    Automate tax processes with Payrow tools and financial reports. Maximise productivity with no extra effort!

Pricing Plans

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Payrow FAQ

  • Does Payrow work with businesses with complex ownership structures?

    Payrow has launched financial service support for businesses with complex ownership structures. Leveraging its extensive experience in the market, Payrow has begun offering maintenance for businesses with a complex ownership structure in the United Kingdom. Learn more.

  • How are my funds protected?

    Payrow’s main license holder is Railsr. Railsr’s 100% owned regulated entity, Payrnet, is an E-Money Institution regulated by the FCA. Payrnet will hold the money you put into your Customer account in safeguarded, and segregated customer accounts at credit institutions such as The Bank of England or Barclays. This means that 100% of your funds are fully protected under E-money regulations and, therefore not covered by the Financial Services Compensation Scheme.

  • Is Payrow safe?

    Payrow Payment Systems Limited (Payrow) is authorised by the Financial Conduct Authority (FCA) (Firm reference number 903004) as an EMD Agent for PayrNet Limited (Principal Firm reference number 900594). The FCA register entry for Payrow can be found here. 

    The FCA authorisation is a sign of trust and meeting the required regulatory standards.

  • What currencies are supported?

    You can send international transfers in GBP and EUR. We are working hard in the background to add more currencies very soon.

    If you transfer money to a bank account in a different currency (for example, if you transfer GBP to an account which holds SEK), a conversion fee might apply on the receiving bank side.

  • What businesses can open a Payrow account?

    Payrow can support

    • Sole proprietorship
    • General partnerships
    • Limited liability partnership
    • Limited partnership
    • Limited liability company
    • Business corporations

    For now, Payrow is unable to open accounts for non-profit organisations, charities, funds, private foundations or trusts, the public sector, or cooperatives. 

    Sectors of activity

    Payrow is unable to support some sectors of activity due to regulatory, risk, and reputation restrictions. These sectors are dynamic and may change over time.

    Our onboarding team is expertly trained to identify restricted sectors of activity and will keep you closely informed throughout the application process. If you have any questions about sectors of activity before submitting an application, you can always use [email protected] or the live chat.

  • What types of businesses and sectors of activity are supported?

    For now, we support the following business types: 

    • Private Limited Company (LTD)
    • Public Limited Company (PLC)
    • Limited Liability Partnership (LLP)

    We're working hard to support more business types soon:

    • Sole Traders
    • Public sector
    • Charities
    • Private foundations or trusts
    • Co-operatives
    • Other business entities

    From research laboratories to vintage clothing, we support too many sectors of activity to name here – put us to the test on payrow.com!

  • How long does it take to open a Payrow business account?

    Filling out our short online form is easy and intuitive. This should take around 10-15 minutes but could be slightly longer for more complex setups.

    After submitting your application, our onboarding team will review it and may contact you to confirm a few details.

  • How much does it cost to open a Payrow business account?

    Our free plan is, of course, free, including the account opening. For other plans and their benefits, please check our pricing page.

  • What do I need to open a Payrow business account?

    Tell us about your business.

    You’ll need to share details like your company name and registration number, where you’re located, and the industry you’re in.

    Tell us about yourself and your partners.

    We'll need some personal details (such as full name, DOB, and address) to verify your identity and, if applicable, the identity of your partners (usually, these will be shareholders in your business).

    Tell us if you act on behalf of someone.

    If you’re not a director or shareholder of the company, you may need to provide your authorisation to act on behalf of the business.

  • How fast are Payrow transfers?

    GBP and EUR transfers are processed via Faster Payments or SEPA. These two systems are among the quickest and most reliable payment networks available.

    Some payments can be processed almost instantly, while others may take a few hours to process. There are many factors that can influence the speed of a transaction, such as technologies used by the receiving banks, meeting compliance requirements, or the time and the day when the transaction takes place.

    Payrow endeavours to process transactions as quickly as possible - you can always use [email protected] or the live chat to bring slower transactions to our attention.

  • Does Payrow provide business cards?

    We’re working hard in the background to bring more functionalities to life. Business cards are very close on the horizon (ETA Q4 2023). We know every business needs cards – we are working on a very cool and modern card programme to include virtual cards for maximum flexibility. Stay tuned!