Take payments with no % fees
Take payments with no % fees
Keep card machines for small payments.
Use Zirofi for larger ones.
Take higher-value payments by bank link or QR code, without percentage-based card fees, slower settlement, or payment chasing holding your business back.
Take higher-value payments by bank link or QR code, without percentage-based card fees, slower settlement, or payment chasing holding your business back.
Keep more profit • Get paid instantly • Take payments in a few clicks
Keep more profit • Get paid instantly • Take payments in a few clicks
Keep more profit
Get paid instantly
Take payments in a few clicks
Customers pay securely through their own UK banking app
Why businesses are switching
Card machines take a cut.
Zirofi doesn’t.
Card machines do more than take a percentage, they slow down your cash flow and add unnecessary friction. Zirofi helps businesses keep more of each payment, get funds faster, and take payments without the usual hassle.
The old way
Percentage-based card payments
Card fees can reach up to 3% per transaction.
A cut taken on every payment
Bigger invoices mean bigger fees
Funds can take days to clear
Hardware, terminals, and extra friction
Chargeback risk remain for weeks after payment
The Zirofi way
Flat-fee bank payments with Zirofi
Keep more of what the customer pays.
No % fee per payment
Faster access to funds
No hardware rental
Simple link or QR payments in a few clicks
No chargeback risk
Why businesses are switching
Card machines take a cut.
Zirofi doesn’t.
Card machines do more than take a percentage, they slow down your cash flow and add unnecessary friction. Zirofi helps businesses keep more of each payment, get funds faster, and take payments without the usual hassle.
The old way
Percentage-based card payments
Card fees can reach up to 3% per transaction.
A cut taken on every payment
Bigger invoices mean bigger fees
Funds can take days to clear
Hardware, terminals, and extra friction
Chargeback risk remain for weeks after payment
The Zirofi way
Flat-fee bank payments with Zirofi
Keep more of what the customer pays.
No % fee per payment
Faster access to funds
No hardware rental
Simple link or QR payments in a few clicks
No chargeback risk
Best fit businesses
Built for businesses that feel card fees the most
Especially where payment value, cash flow, and speed matter.
Garages & mechanics
Take deposits, repair balances, and invoice payments without losing a percentage, and get access to funds faster when cash flow matters.
Clinics & practices
Collect consultation fees and higher-value treatment payments with a fast, simple payment flow that helps money reach your account sooner.
Showrooms & local services
Ideal for businesses where larger payments, slower settlement, and card fees quietly hold back cash flow.
The bigger the payment, the more percentage fees hurt.
Business
Sale
Card cost at 1.2% + 20p
Dentist
£300 root canal
£3.80
Garage
£800 car repair
£9.80
Showroom
£3,200 sofa
£38.60
Window Installers
£4,500 windows
£54.20
Best fit businesses
Built for businesses that feel card fees the most
Especially where payment value, cash flow, and speed matter.
Garages & mechanics
Take deposits, repair balances, and invoice payments without losing a percentage, and get access to funds faster when cash flow matters.
Clinics & practices
Collect consultation fees and higher-value treatment payments with a fast, simple payment flow that helps money reach your account sooner.
Showrooms & local services
Ideal for businesses where larger payments, slower settlement, and card fees quietly hold back cash flow.
The bigger the payment, the more percentage fees hurt.
Business
Sale
Card cost at 1.2% + 20p
Dentist
£300 root canal
£3.80
Garage
£800 car repair
£9.80
Showroom
£3,200 sofa
£38.60
Window Installers
£4,500 windows
£54.20
How Zirofi works in real life
Zirofi gives businesses a fast, simple way to take bank payments, with instant confirmation and no percentage-based card fee on every transaction.
Enter the amount and create a payment request
Type in the amount and generate a payment link or QR code in seconds, no hardware, no complicated setup.
Enter the amount and create a payment request
Type in the amount and generate a payment link or QR code in seconds, no hardware, no complicated setup.
The customer approves the payment in their banking app
They scan the QR code or open the link, choose their bank, and approve the payment securely in just a few taps.
The customer approves the payment in their banking app
They scan the QR code or open the link, choose their bank, and approve the payment securely in just a few taps.
Get paid and move faster
Payments are confirmed instantly, helping you access funds faster and keep your business moving.
Get paid and move faster
Payments are confirmed instantly, helping you access funds faster and keep your business moving.
Track payments without the admin headache
See recent payments, create new requests, and stay in control from one simple dashboard.
Track payments without the admin headache
See recent payments, create new requests, and stay in control from one simple dashboard.
Enter the amount and create a payment request
Type in the amount and generate a payment link or QR code in seconds, no hardware, no complicated setup.
The customer approves the payment in their banking app
They scan the QR code or open the link, choose their bank, and approve the payment securely in just a few taps.
Get paid and move faster
Payments are confirmed instantly, helping you access funds faster and keep your business moving.
Track payments without the admin headache
See recent payments, create new requests, and stay in control from one simple dashboard.
Why businesses switch
Why Zirofi beats percentage-based card payments
No % fee per payment
Stop losing a cut on every sale.
Faster access to funds
Get paid faster, with instant confirmation and better cash flow visibility.
No hardware rental
Take payments from your phone, tablet, or browser.
Better for higher-value payments
The bigger the payment, the more card fees and delayed settlement hurt.
Simple for non-technical businesses
Create a payment in a few clicks, without setup hassle or extra kit.
Secure bank approval
Customers approve payments in their own banking app using trusted bank security.
No % fee per payment
Stop losing a cut on every sale.
Faster access to funds
Get paid faster, with instant confirmation and better cash flow visibility.
No hardware rental
Take payments from your phone, tablet, or browser.
Better for higher-value payments
The bigger the payment, the more card fees and delayed settlement hurt.
Simple for non-technical businesses
Create a payment in a few clicks, without setup hassle or extra kit.
Secure bank approval
Customers approve payments in their own banking app using trusted bank security.
No % fee per payment
Stop losing a cut on every sale.
Faster access to funds
Get paid faster, with instant confirmation and better cash flow visibility.
No hardware rental
Take payments from your phone, tablet, or browser.
Better for higher-value payments
The bigger the payment, the more card fees and delayed settlement hurt.
Simple for non-technical businesses
Create a payment in a few clicks, without setup hassle or extra kit.
Secure bank approval
Customers approve payments in their own banking app using trusted bank security.
Pay by bank
Customers pay through trusted UK banking apps
Customers approve payments through familiar banking apps they already use, making Zirofi simple to trust and easy to complete.
"When your money takes days to clear, growth slows down. For many businesses, delayed card settlements do more than hurt cash flow, they hold back stock, reinvestment, and day-to-day momentum. Zirofi helps money move faster, so the business can too."
"When your money takes days to clear, growth slows down. For many businesses, delayed card settlements do more than hurt cash flow, they hold back stock, reinvestment, and day-to-day momentum. Zirofi helps money move faster, so the business can too."
Founder of Zirofi
"When your money takes days to clear, growth slows down. For many businesses, delayed card settlements do more than hurt cash flow, they hold back stock, reinvestment, and day-to-day momentum. Zirofi helps money move faster, so the business can too."
"When your money takes days to clear, growth slows down. For many businesses, delayed card settlements do more than hurt cash flow, they hold back stock, reinvestment, and day-to-day momentum. Zirofi helps money move faster, so the business can too."
Founder of Zirofi
"When your money takes days to clear, growth slows down. For many businesses, delayed card settlements do more than hurt cash flow, they hold back stock, reinvestment, and day-to-day momentum. Zirofi helps money move faster, so the business can too."
"When your money takes days to clear, growth slows down. For many businesses, delayed card settlements do more than hurt cash flow, they hold back stock, reinvestment, and day-to-day momentum. Zirofi helps money move faster, so the business can too."
Founder of Zirofi
Card fees add up fast &
slow settlements affect growth.
Card fees add up fast. Slow payouts slow your business growth.
Enter your monthly card takings and get a quick estimate of how much percentage-based card fees could be draining from your business, along with the wider impact slower settlement can have on cash flow. It takes under a minute.
60 sec
Quick estimate
60 sec
Quick estimate
Monthly + yearly
Loss breakdown
Monthly + yearly
Loss breakdown
FAQ's
Most common
questions
Is Zirofi easy to use?
Is Zirofi cheaper than card payments?
How fast do payments arrive?
Is pay by bank secure?
Why does faster settlement matter?
Does Zirofi work with major UK banks?
Do customers need to download a new app?
Are there chargebacks?
What kinds of businesses is Zirofi best for?
Is Zirofi easy to use?
Is Zirofi cheaper than card payments?
How fast do payments arrive?
Is pay by bank secure?
Why does faster settlement matter?
Does Zirofi work with major UK banks?
Do customers need to download a new app?
Are there chargebacks?
What kinds of businesses is Zirofi best for?