The billing stack for modern SaaS.
Grow MRR without babysitting invoices.
From free trial to enterprise contract, Paytab handles every billing model SaaS companies actually use — seat-based, tiered, usage, hybrid. Smart dunning recovers 38% of failed payments automatically.
Everything you'd expect, and a few things you wouldn't.
Every capability below is included on the standard plan — no upsell, no feature gating.
Any pricing model
Flat, per-seat, tiered, volume, graduated, usage — combine them in a single subscription.
Self-serve upgrades
Let customers upgrade, downgrade and add seats from your app. We handle proration.
Revenue analytics
MRR, ARR, churn, LTV, cohort retention — updated live, no spreadsheets required.
Everything included
One flat, transparent rate. Every capability below is available from day one — nothing is hidden behind an enterprise contract.
- Free & paid trials
- Coupons & discounts
- Proration & credits
- Seat-based billing
- Usage-based billing
- Hybrid plans
- Smart dunning
- Card updater service
- Invoice PDFs
- Tax (VAT, GST, US sales)
- Chargebee/Recurly import
- Revenue recognition (ASC 606)
Live in an afternoon, not a quarter.
Most teams take their first live payment on Paytab the same day they sign up. Here's the shape of a typical rollout.
Create your account
Sign up in under a minute — no credit card, no sales call. Verify your email and you're in the dashboard.
Connect your stack
One-line embed, native plugin, or full REST API. Test-mode is byte-for-byte identical to production.
Take live payments
Complete a short KYC form and start settling money into your bank the next business day.
Scale with confidence
Automatic retries, smart routing, and detailed analytics grow with you from £1k to £100M/month.
A payments API that actually feels good.
Clean, RESTful endpoints with idempotency by default and predictable, versioned responses. SDKs for Node, Python, PHP, Ruby, Go and Java — plus first-class TypeScript types generated directly from the OpenAPI spec.
- Sandbox that's byte-for-byte identical to live
- Deep webhook events with signed payloads and automatic retries
- Live request logs, replay tools and API keys scoped by permission
- Semver-versioned API — breaking changes are opt-in, never surprises
paytab.subscriptions.create({
customer: 'cus_9x2f',
price: 'price_pro_monthly',
quantity: 5, // seats
trial_days: 14,
metadata: { plan: 'pro' }
});Built to bank-grade standards from day one.
Every Paytab transaction is protected by hardware-backed encryption, adaptive risk scoring and full 3D Secure 2 authentication. Card data never touches your servers — we tokenise on our PCI DSS Level 1 network and return safe references you can store anywhere.
- PCI DSS Level 1 certified
- SOC 2 Type II audited
- ISO 27001 information security
- GDPR & UK-GDPR compliant
- FCA-authorised payment institution
- 3D Secure 2 & SCA-ready
- AES-256 at rest, TLS 1.3 in flight
- 24/7 security operations centre
Machine-learning models score every transaction in under 40ms.
Anomaly detection alerts our on-call team the moment something looks off.
Your funds are held in dedicated safeguarding accounts, ring-fenced by law.
Authorised and regulated by the FCA under the Payment Services Regulations 2017.
How we compare to legacy processors.
Straight talk. No asterisks, no small print, no "call for quote" pricing.
| Feature | Paytab | Legacy processors |
|---|---|---|
| Setup time | 5 minutes, self-serve | 2–6 weeks with a sales rep |
| Pricing | 1.4% + 20p, published | 'Call for quote' |
| Monthly fees | £0 | £25 – £500+ |
| PCI scope | SAQ-A, handled for you | SAQ-D, your problem |
| Payout speed | Next business day | 3–7 business days |
| API quality | Modern REST, typed SDKs | SOAP or 2010-era REST |
| Support | Humans, 24/7, ~12 min reply | Ticket queues, business hours |
Plays nicely with the tools you already use.
Native plugins for the biggest e-commerce, accounting and automation platforms — plus a fully open API for everything else.
The kind of platform teams recommend to each other.
"We migrated from a legacy processor in a weekend and saw a 6% lift in approval rate the first Monday. Support is genuinely excellent."
"The dashboard is the first one my finance team actually enjoys using. Reconciliation that used to take days is done before lunch."
"Paytab's smart retries recovered £180k of failed subscription payments in our first quarter. That's more than paid for the whole platform."
Frequently asked questions
Can't find the answer here? Our support team responds in under 12 minutes on average.
Can I import existing subscriptions?
Yes. We have one-click importers from Chargebee, Recurly, Stripe Billing and Zuora that preserve billing anniversaries.
How does dunning work?
When a card fails, we automatically retry using ML-informed timing (median 4.2 days), and email the customer with a hosted update page.
How quickly can I go live?
Most UK businesses are taking live payments within a single afternoon. Complete our short KYC form and we typically approve within a few hours.
What does it cost?
1.4% + 20p per UK & EEA card payment, 2.9% + 20p international. No monthly fees, no setup fees, no minimums. Volume discounts start at £50k/month.
How fast do payouts arrive?
Next business day by default. Instant payouts (within 30 minutes, 24/7) are available on the Growth plan.
Do you support recurring billing?
Yes — subscriptions, metered usage, one-off invoices and payment plans, all with smart dunning and retry logic built in.
Which regions can I sell to?
You can accept payments from customers in 180+ countries and settle in GBP, EUR or USD. Multi-currency settlement is available on request.
Ready to get paid, faster?
Create a Paytab account in under a minute. No credit card required, no long-term contract, cancel any time.