We believe that when people work together, great things happen. Making a payment through our app is an instant and secure way for you to support small businesses in your community. It's simple to use, keeps your bank details safe and puts you in control of your money.
Incomeing allows you to pay businesses quickly and securely using a bank transfer, without the need to share bank details or re-enter information each time.
When a business uses our app, you can:
Receive payment requests via email, SMS or QR code.
Pay quickly and securely through your existing mobile or internet banking.
Receive reminders for payments that are due.
Support small businesses by sending your money directly to their bank account without delay.
We care about you and other customers as much as we care about the businesses we support.
That’s why our app has been designed to:
Offer a quick and easy way to pay for goods and services.
Keep your bank details private
Ensure you pay the right amount to the right person every time.
Avoid you having to remember when payments are due.
Give you greater control over when your money leaves your account.
Frequently Asked Questions
Want to find out more about Incomeing and how it works? Take a look at the answers to some of our most frequently asked questions below.
How is Incomeing regulated?
We take security extremely seriously. We have become agents of Moneyhub in order to provide our services. Moneyhub is regulated by the Financial Conduct Authority (FCA) and you can find its terms within the app or by visiting their website.
What will happen when I receive a payment request?
What do I need in order to make a payment?
If someone wants to send you a payment request via the Incomeing app, you will need either a mobile phone number or email address so that you can receive and respond to the request. If you are with the person you need to pay, you can scan a QR code without needing to share these details.
What will I see on my statement after I make a payment?
Your bank statement should display the name of the person or company that has requested the payment. It will be shown as a debit or an outgoing item.
Does it cost me anything to make a payment?
There is absolutely no cost associated with making payments via Incomeing.
I’ve been sent a payment request but my bank isn’t listed on the app.
Only banks which have joined the Open Banking network can be listed on our app. Most UK banks are now members, and many more are being added regularly. If your bank does not appear in the app please let us know at firstname.lastname@example.org.
I blocked someone from sending me payment requests but now I want to pay them, what should I do?
Send us an email to email@example.com and we will get you back up and running.
Can I share my thoughts on how to improve the app?
We would love to hear any thoughts and ideas on how we can improve. Send us an email to firstname.lastname@example.org to let us know your feedback.
I've been sent a payment request but I don't recognise the sender
You should never make a payment to anyone that you don't recognise. If you receive a request and you're not sure who it is from or what it is for you can decline it. Of course, if you later realise that the request was meant for you or remember what it is for, you will still need to pay for your goods or services. You can contact us at email@example.com if you have any concerns about unfamiliar requests.
"I can bill my customers by text or email promptly, and get paid without fuss direct to my bank. Customers think it's great too, they don't have the faff of entering my bank details. Once I'd registered, billing customers is so easy. Just a text from me, and a couple of clicks from them and the money is already in my bank"
Incomeing was created to support small businesses. We believe that by making banking fair and simple, we can solve a lot of the challenges that you and other small businesses face. Incomeing makes it easy to pay and get paid, so you have more time to focus on what you love.