Easy Payments, Processing, and Refunds with No Hidden Fees

Payrow is a digital payments solution tailored for small & medium-sized retail or wholesale businesses. Work faster, and cover all your payment needs in one place.

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online business payment solution for your retail business

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.

A Better Way to Organise Payments

With Payrow, you can enhance your customer payment experience and meet your financial goals faster. Our platform allows to securely manage payments, create invoices, and process taxes while spending less effort.

  • automatic invoicing for freelancers, invoicing automation

    Invoicing Service

    Pay incoming invoices straight from your Payrow account. Use customisable templates and streamline your business processes.

  • pound icon, bank without hidden fees, transparent bank

    No Hidden Fees and Payments

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

  • remote account operation, online bank, seamless kyc, easy onboarding, mobile banking for sme

    Remote Account Opening

    No need to show up in person – Payrow offers a hassle-free account opening service wherever you are.

  • automatic invoicing, automatic statement issue, payment automation tool

    Paperless Statements

    Get detailed information on payments for the required period and download statements in a convenient format

  • automated tax processing

    Automated Tax ServicesSoon

    Automate tax processes with Payrow tools and financial reports. Ensure smooth operations and less stress at tax time.

Pricing Plans

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Payrow FAQ

  • 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!

  • 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.

  • Which countries are supported by Payrow?

    We are currently offering our accounts to UK companies. We are working hard in the background to bring Payrow to many more countries around the world. This doesn’t mean you can’t work with international clients – Payrow enables seamless transactions with many countries.

  • 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.

  • 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 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 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!

  • Can I change my plan?

    It’s easy to upgrade or downgrade your plan at any time. Upgrades are effective immediately to help your business right away. Downgrades take effect at the end of your current billing cycle. Our support team can take care of anything else around plans and billing. You can find more information about Payrow here.