Bespoke payment pages, built for your business

Get Paid Faster, Chase Less

We design and build your branded checkout page and connect it to a trusted payment processor — you get paid faster, and the admin does itself.

See How It Works

Bespoke build · Your own merchant account · Fixed written quote · Payments processed by FCA-regulated partners

OR

Payment

All transactions are secure and encrypted.

Credit card
VisaMastercardAmex
+5
Processed by FCA-regulated partners
VisaMastercardAmexPayPal Pay Pay

Payments processed by FCA-regulated partners · Correct as of July 2026

Live with Lockdales Auctioneers

However They Choose to Pay

Meet Customers Where They Already Pay

Card, phone or digital wallet — whatever’s in their pocket, your own branded page takes it, and the payment reconciles itself. You just get paid.

Why SettlePay

We Build the Bridge to Effortless Payments

We handle every step — from setting up your merchant account to building your branded checkout page — so you never chase a bank transfer again.

Guided Account Setup

We walk you through opening your own merchant account with Stripe, Adyen or Checkout.com — no jargon, no paperwork headaches.

app.meridianstudio.com
MeridianStudio
Live
MS
Net volume
£48,210
↑ +12.4%
Payments
1,284
↑ +6.1%
Avg. settle
1.2 days
Steady
Net volume · last 7 days
£48,210↑ 12.4%
MonTueWedThuFriSatSun

Branded Checkout Pages

Bespoke payment pages that match your company's look and feel — professional, on-brand and buyer-friendly.

[your-company].com/pay
Your branding
[ Your Company ]
Pay[Your Company]
£[amount]
Card details
MM / YY
CVC
Brand colour
Your colours
[ Your secure-payment footer ]

Automated Reconciliation

Every card payment is matched to your invoices and records automatically — no more chasing bank transfers.

[your-company] · reconciliation
Payments
Invoices
£amount
[invoice #]
£amount
[invoice #]
£amount
[invoice #]
Auto-matched in real time[x] of [y] reconciled

Fully Managed Onboarding

We handle the entire setup and walk your team through it — no technical know-how required.

[your-company] · onboarding
Onboarding for [Your Company]
Kickoff & account setup
Complete
Branded checkout build
Complete
3
Testing & team walkthrough
In progress
4
Go live
Illustrative example — a branded page built from a sample site.

See Your Own Page Before You Decide

Paste your website address and our preview tool drafts a payment page in your branding — logo, colours and type read from your own site.

How It Works

The Plumbing, Explained

We never hold your money. We connect your business to FCA-regulated processors — and hand you the keys.

1

The Payment Page

A secure checkout page that lives on your site, branded exactly how you want it — matched to your website's colours and identity, or styled differently if you prefer. Clients pay by card, Apple Pay or Google Pay, and traditional bank transfer stays on the table too. Not everything has to run on cards either — most processors also offer Pay by Bank, which carries a lower fee and still lands in the same dashboard.

2

The Processor Dashboard

We wire your checkout directly to your chosen processor — a trusted, modern name such as Stripe, Adyen or Checkout.com. Every transaction is tracked in real time, and funds settle straight to your business bank account. Already on spreadsheets? That’s fine — your dashboard exports a clean spreadsheet of every payment, so your existing records carry on working.

3

Automated Reconciliation

We build digital bridges directly into your accounting software (like Xero or QuickBooks). When a client pays, the system instantly marks that invoice as “Paid”.

Revenue
Recent Transactions
INV-2041Just now
SucceededSynced to Xero
INV-10822 hrs ago
SucceededSynced to Xero
Where Your Money Goes
Your Payment PageDesigned & built by SettlePay
FCA-Regulated ProcessorStripe · Adyen · Checkout.com
Your BankFunds settle directly to you
Xero / QuickBooksInvoice marked paid

Card payments travel straight from your customer to your processor and settle in your own bank account — SettlePay never holds your funds.

Two Ways to Take a Payment

You decide how integrated it gets — we handle every step, custom invoice designs and email templates included.

Manual

Enter the Amount, Then Pay

The customer opens the payment page, types in the amount they owe, and pays — ideal when totals vary or are agreed case by case.

Automated

Pre-Filled Pay-by-Link

Each invoice goes out with its own link to a pre-filled payment page — the customer just enters their card details and pays.

The Way Britain Pays Has Changed

spent on UK debit and credit cards in 2024 — across 31.4 billion transactions.

Source: UK Finance card spending data, 2024

9%

Cash's share of UK payments in 2024 — down from 48% a decade earlier.

UK Finance, UK Payment Markets 2025
86 hours

The time the average business owner spends chasing unpaid invoices each year.

Small Business Commissioner, 2025

Your customers already pay this way. A bespoke payment page makes paying you the easy part.

How fast

Taking Card Payments in as Little as Two Working Days

Getting set up isn’t a drawn-out project that swallows your calendar. Once your merchant account exists, we do the heavy lifting — you just point us at how you’d like to get paid.

From your merchant account being approved.

No weeks-long project
No standing meetings
No disruption to your day-to-day
Day 0

Your Merchant Account Is Created

You open your own account with the processor that fits — we guide you through it in a single sitting. That’s the starting gun; everything after is on us.

As little as 2 days

Core Payment Page Goes Live

We design, build and connect your branded checkout. In as little as two working days from your account being created, you’re taking card payments.

As little as 5 days

Invoicing & Reconciliation Go Live

Invoicing templates, automatic payment links, accounting bridges and reconciliation — the deeper work that ties it all together follows in as little as five working days.

Up against a deadline? We run an urgent service for short-notice builds — just mention it when you enquire.

The Alternatives

Three Ways to Collect a Payment — Only One Works for You

Most small businesses settle for bank transfers or a generic payment link. Here is what each actually gives your customer, and you.

CapabilityBank transfer & chasingGeneric payment linkYour branded page
Customer sees your brand, not a bank formNoNoYes
No card numbers read out over the phoneNoYesYes
Automatic receipts for every paymentNoYesYes
Payments matched to your invoices for youNoNoYes
Apple Pay and Google Pay built inNoNoYes
Designed, built and managed for youNoNoYes
Security

Named Protections, Not Promises

No vague claims about bank-grade anything. These are the specific protections every SettlePay-built page ships with, by construction.

3-D Secure built in

Every card payment runs through the bank’s own verification step before it is approved — the same check the big retailers use, handled by the processor.

Verified by the customer’s bank

Card details never touch your site

Customers enter their card number on the processor’s secure page, not on your website — so there is nothing sensitive on your side to steal, and nothing for you to look after.

Hosted by an FCA-regulated processor

You see every payment land

The moment money arrives, you and your customer both know — an automatic receipt for them, a matched invoice for you, and a settlement notification to your inbox.

Receipt, match and notification — automatic

See the impact

Admin Time Saved

See how many hours you could reclaim each month by replacing manual bank transfers with automated card collection.

120
12 min
£30
£720
Estimated admin cost reclaimed per month
24 hrs
Admin hours saved per month
Zero
Manual reconciliation tasks
120
Payments auto-matched to invoices

Over a year that's 288 hours — 38working days — about £8,640 in admin time reclaimed.

These figures are based on the numbers you enter — your actual savings will vary.

Every project is a fixed written quote agreed before work begins — no retainers, no open-ended bills.

Ready to Stop Chasing Bank Transfers?

Send us a short enquiry — free and no-obligation. We'll review your current payment workflow and show you exactly how a bespoke checkout page, with payments processed by an FCA-regulated processor, can eliminate the admin.

A fixed written quote before any work begins — no retainers, no open-ended bills.

  • Modern Processors
  • We Never Hold Funds
  • Security, Handled
  • No Lock-In, Ever
Book a Free Call

Sources & Footnotes

  1. UK Finance, card spending data, 2024 — total UK debit and credit card spending £1,046bn (£797bn debit, £249bn credit) across 31.4bn transactions.ukfinance.org.uk
  2. UK Finance, UK Payment Markets 2025 — cash fell to 9% of UK payments in 2024, from 48% in 2014.ukfinance.org.uk
  3. Small Business Commissioner and Department for Business & Trade research, 2025 — business owners spend an average of 86 hours a year chasing unpaid invoices.smallbusinesscommissioner.gov.uk
  4. The two-working-day figure covers your core payment page, from your merchant account being approved. Invoicing, accounting bridges and reconciliation follow in as little as five working days.
  5. Payments are processed by FCA-regulated partners such as Stripe, Adyen and Checkout.com. SettlePay builds and manages your payment page and never holds your funds.

Free and no obligation — a reply within one working day.