How to switch on Pay by Bank, and what it costs
- Who switches it on
- You, in the partner app. It takes a minute.
- Applies to
- Every pitch, room or lodge at that site
- Bookings it works for
- Bookings in pounds, from £0.50 to £10,000
- Our commission
- 5%, the same however the guest pays
- Stripe's fee
- 0.5% + 20p, never more than £5 (a UK card is 1.5% + 20p)
- Chargebacks
- None. The guest approves the payment in their banking app.
Switch it on
- 1
Open one of your accommodations
In the partner app, go to Listings and press Manage on your site, then Manage Accommodation. Under Accommodation, press Edit on any of your pitches, rooms or lodges.
- 2
Find How guests pay
Scroll down past Pay in instalments to the box called How guests pay. What you choose here applies to every accommodation at that site.
- 3
Tick Pay by Bank
Leave Card ticked too, so guests can choose. Untick Card only if you want every guest to pay by bank.
- 4
Save, then publish
Press Save, then Publish your listing. Guests see Pay by Bank from then on.
What your guest sees
- 1
They choose Pay by Bank
When they pay, they pick Pay by Bank and then their bank.
- 2
They approve it in their banking app
With Face ID or their usual login, like any other bank payment.
- 3
You get the booking
They come back to the confirmation page and the booking lands in your calendar, paid.
How it works for each kind of booking
- Instant bookings: the guest pays in full straight away, the same as a card.
- Booking requests: a bank payment can't be held, so the guest pays when they send the request. If you decline it or it runs out of time, the guest gets all their money back automatically.
- Deposits and instalments: the guest pays each instalment from the link in their reminder email, by card or Pay by Bank.
- Over £10,000, or not in pounds: the guest pays by card instead, even if you've switched card off.
What it costs
| Booking | UK card (1.5% + 20p) | Pay by Bank (0.5% + 20p, max £5) | You keep |
|---|---|---|---|
| £150 | £2.45 | £0.95 | £1.50 more |
| £400 | £6.20 | £2.20 | £4.00 more |
| £1,000 | £15.20 | £5.00 | £10.20 more |
| £2,500 | £37.70 | £5.00 | £32.70 more |
Stripe's standard UK fees, checked 2026-10-09. Our 5% commission is the same on both, so it isn't shown.
Questions owners ask
What does Pay by Bank cost?
Nothing extra from us: our 5% is the same however the guest pays. Stripe takes 0.5% + 20p for a Pay by Bank payment, never more than £5, less than the 1.5% + 20p it takes for a UK card.
Can I still give a refund?
Yes, in full or in part, the same as a card payment. A refund to a bank can take a little longer to reach the guest than a card refund.
When do I get the money?
On the same timeline as a card payment, into the same bank account.
Can a guest charge the money back?
No. The guest approves the payment in their own banking app, so there's no card dispute that pulls money back weeks after the stay.
Can I charge guests more for paying by card?
No. UK rules don't allow an extra charge for paying by card. Offering Pay by Bank lowers your fee without changing the guest's price.
Can I switch it off again?
Yes. Untick Pay by Bank under How guests pay, save and publish. Bookings already paid by bank aren't affected.
Does it work for guests outside the UK?
It's for bookings in pounds, paid from a UK bank. Everyone else pays by card as usual.
Last reviewed: 2026-11-09