Fyno
Take deposits and stage payments by bank. Paid in seconds, at a fraction of card fees.
Fyno sends a branded link. Your customer pays from their banking app. Money lands in your account — we never hold it.
See what you could save
Compare your card fees with capped Pay by Bank fees. Illustrative — your plan caps are editable in admin.
Estimated yearly savings
£16,800.00
- Card fees / month: £1,600.00
- Fyno fees / month (illustrative Pro cap): £200.00
- Monthly savings: £1,400.00
- ~20 payments modelled
How it works
Three steps from job to Paid — no card terminals, no waiting on Faster Payments matching.
Step 1
Add the job
Type in your customer's name, their phone number or email, and how much they need to pay. Paying in stages? Add the deposit and each payment, and when it's due.
Step 2
Send the payment link
Fyno sends your customer a link by text, WhatsApp or email, under your business name. In person? Just show them the QR code on your screen.
Step 3
Get paid
Your customer taps the link, picks their bank and confirms in their banking app, usually with Face ID. The money goes straight into your bank account, and Fyno shows it as Paid the moment it arrives.
Built for high-value trades
Home improvement installers
Deposits and stage payments without the card fee.
Solar and renewables
Collect deposits for heat pumps, EV chargers and solar installs.
Kitchens and bathrooms
Branded links for deposit, fit day and snagging balance.
Independent car dealers
Deposits and balances without Bumper-sized fees.
Private clinics
Course deposits and treatment balances, paid by bank.
Money goes straight to you
An FCA-authorised provider initiates every payment. Fyno never holds, pools or forwards funds. Anti-scam trust pages show your verified payee details.
Security and trust →Pricing that caps large jobs
Subscription plus a capped fee per payment — so an £8,000 deposit doesn't cost £60 in percentage fees.
See plans →What teams say
“We moved kitchen deposits off card in a week. The fee cap alone pays for Pro.”
Sophie L.
Bathroom & kitchen, Brighton
“Reminders mean I don't chase balances on WhatsApp at 10pm anymore.”
Marcus D.
EV charger installer, Birmingham
FAQ
- Do you hold our customers' money?
- No. An FCA-authorised provider initiates Pay by Bank. Funds go straight to your business account. We only receive status updates.
- What happens if a payment fails?
- The customer sees a clear recovery screen: try again, pick another bank, split the payment, or pay by bank transfer with a matching reference.
- How long is the free trial?
- 30 days. Design partners can get three months free in return for feedback and a case study.
- Are fees capped?
- Yes. Every plan has a capped fee per Pay by Bank payment so large jobs stay cheaper than card — and competitive with uncapped percentages.