UNDERPAY REWARDS

Underpay is a new payment method offering direct bank-to-bank payments.

This means that the money goes directly between your bank account and ours, with no middlemen like Visa and Mastercard! 

With all those middlemen gone, Underpay is able to offer unparalleled rewards to you just for paying with them.

In the UK only at this time.

Paying with Underpay takes 30 seconds (here is a video) and you don’t even need to have your card on you!

You use your own bank when paying with Underpay, so there is no long sign-up process or ID verification hassle. 

Simply select Underpay as your payment option, choose your bank account (from 20+ major UK banks) and approve the payment in your bank app.

Every purchase you make with Underpay earns you 1% back in Underpay points.

You redeem these points for cash discounts at dozens of up-and-coming independent brands like ours. The cost of your next order is simply reduced with no strings attached.

Extremely safe. Underpay uses FCA-regulated third parties to connect directly to major banks and benefit from their bank-grade security. You authorise every payment with Face ID or fingerprint directly with your trusted bank.

Your bank account cannot be accessed by Underpay or any store, ensuring your money and data are protected against unauthorized charges and breaches. Unlike with card providers, we don't need to hold your sensitive financial data.

Underpay is not a credit card. It's a payment platform (like PayPal) that lets you pay directly from your bank account to online stores using Open Banking, eliminating the need for cards.

Underpays save on card network (Visa, Mastercard) fees by utilizing Open Banking, which lowers costs for retailers and allows us to offer you rewards for using Underpay.

Open Banking is a UK government initiative to enable fast and safe direct money transfers without sharing your account details. It's like opening your bank app and sending money, except without the annoying typing in of account number and sort code.

No. Underpay links securely to your existing bank account, which means you don't need to open a new bank account to start earning points. All you need is an email address to access your points.