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Instant money

0% transaction fees

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Money instantly cleared

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No chargeback

Zero chargeback risks

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Bank-grade security

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Fixed cost

One fixed monthly cost

Sell items or services over £100?
save £1000s to card fees.

sell items over £100?
save £1000s
to card fees.

Get Started

Why are you still losing money every time you get paid?

Why are you still
losing money every time you get paid?

You do the work. You close the sale.

But every time a customer pays, a chunk gets shaved off… before the money even touches your account.

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1%, 3%… gone

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Monthly card machine fees

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Delays waiting 2–3 days for money to clear.

Delays waiting 2–3 days
for money to clear.

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Chargeback risks

Delays waiting 2–3 days
for money to clear.

It adds up. Hundreds, sometimes thousands, lost every month.

Money that should be growing your business... not funding the banks.

Still paying to get paid?

Compare Zirofi to card readers and see why smart merchants are switching.

Card Machines

1.5%–3% fees on every payment

1.5%–3% fees on every payment

Hidden costs or surprise monthly fees

Hidden costs or surprise monthly fees

Clunky hardware and paper rolls

Clunky hardware and paper rolls

Payouts take 1–5 working days

Payouts take 1–5 working days

Risk of chargebacks and disputes

Risk of chargebacks and disputes

App downloads, terminals, setup delays

App downloads, terminals, setup delays

Keep 100% - 0% transaction fees

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Keep 100% - 0% transaction fees

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Flat monthly fee - no surprises

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Flat monthly fee - no surprises

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No hardware - just scan & get paid

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No hardware - just scan & get paid

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Instant payouts to your bank

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Instant payouts to your bank

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No chargebacks or disputes

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No chargebacks or disputes

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Works with any phone

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Works with any phone

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How much are you losing?

calculate
your loss

Monthly revenue (£):

Select transaction fee %:

Your card machine is draining you:

£293

vanishes every month

That’s ~£3510 gone every year.

Who’s pocketing your money:
% skim on every sale: £263
Flat hit per tap/insert: £10
Hardware: £20

Stop the leakage:

£224

saved with Zirofi / month

≈ £2682
back in your pocket each year.

All-in cost? £69 a month. No % cut. Ever.

How Zirofi works
in 4 simple steps

No card machines. No app installs. No % fees.
Just direct, secure, instant bank payments.

Works with all major UK banks!

Their banking app opens with everything pre-filled

Bank App Opens

One tap. No card.
Done in seconds

Customer Approves
the Payment

You get paid instantly no fees, no delay

Money Hits
Your Account

Scan or Tap

Customer scans a QR code or taps your payment link

+ more

Who is Zirofi for

If you're charging over £100 per job or product and doing this full-time, Zirofi is for you.
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Mechanics & Garages

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Tutors & Training Centres

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Mobile Barbers

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Car Detailers

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Clinics & Private Health

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Furniture & Kitchen Showrooms

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Tradespeople & Contractors

Tradespeople

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Event Vendors & Booths

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Jewellery, Watches & High-Ticket Retail

Jewellery, Watches &
High-Ticket Retail

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Mobile Businesses

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Event Vendors & Booths

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Mobile Businesses with
1–8 jobs/day

plus many more

plus many more

How Zirofi works in 4 simple steps

Scan or Tap

Customer scans a QR code or taps your payment link

Bank App Opens

Their banking app opens with everything pre-filled

Customer Approves

One tap. No card.
Done in seconds

Money Hits
Your Account

You get paid instantly no fees, no delay

No card machines. No app installs. No % fees.
Just direct, secure, instant bank payments.

Trusted by all major UK banks through Open Banking

Bank App Opens

Banking app opens with everything pre-filled

Customer Approves

One tap. No card. Done in seconds

Money Hits
Your Account

You get paid instantly no fees, no delay

Scan or Tap

Customer scans a QR code or taps your payment link

+ more

This Is What We Kept Hearing...

Real words from real businesses. This is exactly why Zirofi exists.
It takes up to 45 days for our money to clear. We’ve done the job… but we’re still waiting to get paid. It’s holding back our growth and keeping risk on us long after the customer has received the sofa.”

Sofa Store Owner
“Card machines skim a couple percent which doesn't seem much. But that’s £470 a month — nearly £5,000 a year. Gone! For nothing.”

Garage Owner
“I'm not a big enterprise. I'm just a local shop trying to feed my family. But card fees keep cutting into my profits, every single month.”

Store Owner
If this sounds familiar... Zirofi was built for you.

These are real quotes from business owners we spoke to while building Zirofi.

What you get for is unreal

Packed with value. Built to save. Designed for growth.

What you get

Real value

0% card fees

£75–£300+/mo saved

Instant payouts

same-day cash in your account

No chargebacks

£1000s saved in disputes

Branded payment flow

worth £20/mo

Confirmation + ref logging

cuts admin + errors

Merchant dashboard

tracks links, payments, history

Priority setup & support

fast onboarding & live support

Passive QR stand
Pro tier only

£79 value

all this, normally worth £300+/month
yours for less than a quater of that
all this, normally worth £300+/month
yours for less than a quater of that

Get Started

Simple pricing. Real savings. No % fees ever.

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Money in your bank instantly

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0% transaction fees

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No chargebacks

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No hardware

Built for real businesses. Priced to protect your margin.

Built for real businesses. Priced to protect your margin.

Core Business

Core Business

Core Business

Growing businesses that want to save on every job or product

Limited time offer

First 60 days or 500 payments free

Cancel any time

£69

/ mo
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Save margin on every sale

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Save margin on every sale

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Save margin on every sale

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250 payment requests /month

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250 payment requests /month

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250 payment requests /month

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Everything in Starter

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Everything in Starter

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Everything in Starter

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Custom branding (logo, colours, thank-you message)

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Custom branding (logo, colours, thank-you message)

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Custom branding (logo, colours, thank-you message)

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Google review request post payment

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Google review request post payment

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Google review request post payment

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Merchant dashboard with payment history

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Merchant dashboard with payment history

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Merchant dashboard with payment history

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WhatsApp / SMS payment link sharing

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WhatsApp / SMS payment link sharing

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WhatsApp / SMS payment link sharing

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Priority support

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Priority support

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Priority support

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No chargeback risk

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No chargeback risk

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No chargeback risk

Bonus

Bonus
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2 month free Founders Circle access worth £138 (limited slots)

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2 month free Founders Circle access worth £138 (limited slots)

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2 month free Founders Circle access worth £138 (limited slots)

Extra payment requests:

Extra payment requests:

+40 requests for £15

Best for busy operators saving on every job

60 days Free

Limited Slots

Scale Pro

Scale Pro

Scale Pro

£299

/ mo

Engineered for serious volume - no limits, no surprises.

Get Started

Everything in Solo Builder & Core Business, Plus:

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1,200 payment requests/month

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1,200 payment requests/month

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1,200 payment requests/month

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Everything in Growth + Stater

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Everything in Growth + Stater

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Everything in Growth + Stater

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White-label payment page

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White-label payment page

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White-label payment page

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Custom referral engine

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Custom referral engine

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Custom referral engine

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Client payment logs

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Client payment logs

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Client payment logs

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Quarterly printed publications (stickers, posters etc)

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Quarterly printed publications (stickers, posters etc)

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Quarterly printed publications (stickers, posters etc)

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Static QR code counter stand

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Static QR code counter stand

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Static QR code counter stand

Need more?

Need more?

+40 requests for £10

Get Started

Get Started

What Counts as a Payment Request

A “payment request” is counted each time you generate a new payment link - regardless of whether the customer completes the payment.


Why it works this way:

Each link triggers your unique payment flow, generates a usage log, and gives you full control over how you get paid. That’s how we keep pricing flat, predictable, and 100% transparent — even before money is received.

  • You’re never charged based on value of the payment

  • You keep 100% - whether it’s £50 or £5,000 (or more), it's fixed

  • You’re only billed by us for the number of payment requests you make


Pro Tip:
Only generate a link when your customer is ready to pay. Simple habit, big efficiency.


Zirofi is built on fairness.
No % cuts. No hidden charges. No funny business.
Just clean, flat pricing - with you in control.

How does Zirofi work?

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Is Zirofi regulated by the FCA?

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Are you secure?

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Does Zirofi support refunds?

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What happens if a customer doesn’t complete a payment?

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Can I cancel anytime?

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How does Zirofi work?

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Is Zirofi regulated by the FCA?

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Are you secure?

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Does Zirofi support refunds?

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What happens if a customer doesn’t complete a payment?

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Can I cancel anytime?

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How does Zirofi work?

Plus Icon

Is Zirofi regulated by the FCA?

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Are you secure?

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Does Zirofi support refunds?

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What happens if a customer doesn’t complete a payment?

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Can I cancel anytime?

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Logo Image

Enabling secure, fee-free payments and helping businesses keep more of what they earn

Need some help?

hello@zirofi.co.uk

Zirofi enables bank grade secure payments via Open Banking technology. All payments are processed through our partnered regulated Payment Initiation Service Provider (PISP) authorised and regulated by the FCA. Zirofi does not process or hold funds and is therefore not required to be regulated entity.

Zirofi is a trading name of Nexicode Ltd. Company Number: 15555102.

© 2025 Zirofi. All Rights Reserved.

Logo Image

Enabling secure, fee-free payments and helping businesses keep more of what they earn

Need some help?

hello@zirofi.co.uk

Zirofi enables bank grade secure payments via Open Banking technology. All payments are processed through our partnered regulated Payment Initiation Service Provider (PISP) authorised and regulated by the FCA. Zirofi does not process or hold funds and is therefore not required to be regulated entity.

Zirofi is a trading name of Nexicode Ltd. Company Number: 15555102.

© 2025 Zirofi. All Rights Reserved.

Logo Image

Enabling secure, fee-free payments and helping businesses keep more of what they earn

Need some help?

hello@zirofi.co.uk

Zirofi enables bank grade secure payments via Open Banking technology. All payments are processed through our partnered regulated Payment Initiation Service Provider (PISP) authorised and regulated by the FCA. Zirofi does not process or hold funds and is therefore not required to be regulated entity.

Zirofi is a trading name of Nexicode Ltd. Company Number: 15555102.

© 2025 Zirofi. All Rights Reserved.