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A flexible way to manage your bills

Why use Request to Pay

With Request to Pay, you can enjoy greater flexibility and visibility when it comes to managing your bills. Choose when, how and how much to pay, and more easily communicate with billing organisations.

Perhaps you can’t pay all in one go, need to request an extension, or maybe you don’t recognise the amount or who has sent the request – now you can take greater control over your payments.

When we’re all so busy, we know that it can be time-consuming and stressful trying to rectify a billing mistake, but with Request to Pay you can do this quickly and easily. No more taking time out of your day, stuck on hold, to put things right, do it all from the palm of your hand, when it suits you.

Sounds good? We think so.

And it’s not just for paying bills either. Request to Pay can also be used to pay friends and contacts, whether that’s settling up after enjoying a meal, or following a relaxing trip. With the ability to view and manage payment requests all in one place, you can easily keep on top of and track the status of outgoing payments.

There’s a lot to like with Request to Pay, and the flexibility and control can be used in a range of scenarios. We’ve outlined just a couple of these below to give you a better idea of how it can make life easier.

Settling up with friends after a trip
Send a request for money to anyone, never mind who they bank with
Track who’s paid. No messing about with account details
You know you won’t have enough money to pay a bill
Ask for a few extra days and explain the situation, through your Request to Pay app
Give the biller warning. Get approval to pay a few days later

How it works

As easy as 1, 2, 3…

Request to Pay really is that simple. Don’t believe us? Here’s how it works.

1. Receive payment request

The billing organisation sends a message containing the agreed amount, due date, payment reference and can even add attachments.

2. Respond

You can ask for more time to pay or request more information.

3. Pay a request

Pay as much as you want, when you want, however you want, as long as it’s before the due date.


Request to Pay benefits bill payers by providing them with greater flexibility and control in how they manage their bills. The norms of the world of work and working patterns are changing, with an increasing number of people not having a regular fixed monthly income. Request to Pay reflects this trend, putting increased control in the hands of consumers. 

For instance, as a consumer you will receive a request for bill payment which will offer the options to pay in full, pay in part, ask for more time, or decline to pay; this final option automatically opens a dialogue between the payer and the organisation or person requesting the payment.

The simple answer is that most type of bill could be managed easily and efficiently with Request to Pay. This includes regular utility bills, charitable donations, retail payments, and even payments between individuals.

Request to Pay is not a replacement for Direct Debit, but a complementary service tailored to those UK consumers who do not benefit from using Direct Debit today.

No, the service is entirely payment agnostic. This means that it will be up to the Request to Pay provider to determine what payments its customers are able to use. However, it will be a requirement of the service that more than one payment option is offered.

No, Request to Pay does not alter any legal rights and or obligations between a customer/supplier or a biller/payer in anyway including payment terms.