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.

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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?

When someone requests a payment from you via the Incomeing app, you could receive the request by Email, SMS or WhatsApp. If you are with the person you need to pay, they may ask you to scan a QR code instead. When you click to make a payment, you will be taken to your mobile banking app or online bank account where you can send the money directly from your account to your suppliers, without needing to share any bank details. This gives you the complete confidence that you are only ever paying the correct person the correct amount of money.

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. You must hold a UK bank account and your bank must be a participant of the Open Banking network. Most UK banks are now members, and if you do not see your bank in the app, check back again soon as new banks are joining regularly. If you’re happy to make the payment,you can follow the simple instructions which will pass you to your banking app or online banking account to make the payment.

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. The businesses that use our app pay us a small set fee each time one of their customers pays them using our services. We don’t believe in large transaction fees or monthly subscriptions and we want to make things fair and simple for small businesses and their customers.

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

I blocked someone from sending me payment requests but now I want to pay them, what should I do?

Send us an email to 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 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 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.