Connect. Expand. Prosper.

Recurring payments
made effortless

Direct Debit and card subscription billing in one platform. Collect from your customers in minutes — on your website, Shopify, or anywhere.

Start collecting → Try the demo See how it works
FCA-regulated processing
Bank-grade security
Direct Debit Guarantee
Card subscription billing
Shopify & eCommerce ready
Isle of Man registered
How it works

From signup to payment in minutes

Here's exactly what happens from your customer signing up to money landing in your account.

01
Day 0

Customer Signs Up

They enter bank details on your branded signup page. Takes under 2 minutes. No paperwork.

02
Collection Day

Collection Submitted

The collection is processed automatically on your scheduled billing date.

03
Day +3

Customer Debited

Funds leave your customer's bank. They receive advance notice automatically.

04
Day +4 to +5

In Your Account

The full collected amount lands in your bank. Fees invoiced separately each month.

Card Subscriptions

Card recurring billing, built in

Take card payments alongside Direct Debit — or go card-only. Full back office, signup pages, dunning, bookings, and integrations from one platform.

Full signup page builder

Create branded signup forms that collect customer details and redirect to secure card payment. Same page builder as DD — just without bank details.

Online booking system

Appointments, classes, deposits, staff calendars, recurring series, and a public booking page — all built in. Customers book and pay in one flow.

Payment links & invoices

Send one-off or recurring payment links. Create branded invoices with a Pay Now button. Collect deposits, tips, and ad-hoc payments.

Auto-retry failed payments

Smart dunning emails your customer at 4 hours, 2 days, and 4 days after a failure — with a link to update their card and pay instantly.

Events, collections & QR

Sell event tickets, run group collections with progress bars, and generate branded QR codes for contactless payments and donations.

Zapier, GHL & webhooks

Native Zapier app with 6 triggers. GoHighLevel CRM sync. Outbound webhooks for everything else. Plus Xero & QuickBooks integration — see below.

Accounting integrations

Get paid faster from Xero & QuickBooks invoices

Your invoice email gets a Pay Now button. Customers pay by card on a branded page. Payments reconcile automatically back to your accounting platform — no spreadsheets, no manual matching.

Xero Pay Now

Connect once. Every invoice sent from Xero includes a Pay Now button. Customer pays by card. Payment + bank deposit are written back to Xero automatically.

QuickBooks Pay Now

Same flow as Xero, native QuickBooks integration. Pay Now button on every invoice, automatic reconciliation, paid status synced back instantly.

Auto-reconciliation

Toggle on per platform. When a customer pays a Pay Now invoice, the payment record posts straight to Xero/QuickBooks against your nominated bank account. No manual entry.

One-click manual override

If auto-reconcile is off, you get a one-click email to confirm reconciliation per payment. Full control either way.

Included in the Invoicing & Quotes add-on — £5/mo. Both platforms supported. Get started →

Pricing

Simple, transparent pricing

No hidden fees. No setup costs. The full collected amount always lands in your bank first.

Lite
£0/mo
no monthly fee
2% + 20p per collection
Capped at £5 per transaction
  • Freelancers & solopreneurs
  • 1 monthly collection date
  • Portal access
  • 1 user access
  • Reporting tools
  • Auto payment scheduling
  • Branded signup page
Get started →
Scale
£60/mo
platform fee, then
1.2% + 20p per collection
Capped at £5 per transaction
  • Large teams & enterprises
  • Unlimited collection dates
  • Portal access
  • Unlimited user access
  • Reporting tools
  • Custom bank statement name
  • Auto payment scheduling
  • Branded signup page
Get started →
Custom
Custom
fully customised package
 
 
  • Large payment volumes
  • Bespoke solution
  • Auto payment scheduling
  • Branded signup page
  • Dedicated support
Get in touch →
Card Payments

Card portal — standalone or add-on

Take card payments alongside Direct Debit or go card-only. Start with the base portal and add what you need. Processing fees (2% + 20p) billed directly by Cashflows.

Payment Links
+£5/mo
add-on
 
 
  • Recurring payment links
  • One-off payment links
  • QR codes for in-person
  • Share via email or SMS
  • Track views & conversions
Get started →
Bookings
+£20/mo
add-on
 
 
  • Appointments & classes
  • Staff assignment
  • Intake forms & waitlists
  • Automated reminders
  • Public booking widget
  • Deposits & cancellation policy
Get started →
Events
+£5/mo
add-on
 
 
  • Sell event tickets
  • Manage capacity
  • Attendee lists
  • Check-in tracking
  • Shareable event pages
Get started →
Invoicing & Quotes
+£5/mo
add-on
 
 
  • Invoices & quotes
  • Pay Now button
  • Xero & QuickBooks Pay Now
  • Auto-reconciliation
  • Track payment status
Get started →
Why Ripple

Built for businesses that collect regularly

From nurseries and gyms to accountants and Shopify stores — if you collect recurring payments, we're built for you.

Live in minutes

Your branded signup page is ready as soon as you're approved. Share a link, embed on Shopify, start collecting. No developers needed.

DD + Card in one platform

Collect via Direct Debit, card subscription, or both. One portal, one dashboard, one login.

Failure alerts & auto-retry

Get notified instantly when a payment fails. Card payments are auto-retried. Keep your cash flow on track.

Full visibility

See every mandate, collection, card subscription, and failure in your portal. Cancel, pause, or charge any customer in one click.

Sell anywhere

Embed card subscriptions on Shopify, WooCommerce, Wix, or any website. Orders sync automatically to your store.

BACS-regulated

DD processing via London & Zurich, FCA-regulated. Card payments via Cashflows. Every customer protected.

Savings Calculator

See what you could save

Businesses switching to Direct Debit typically save thousands every year. See what it means for yours.

Number of customers paying monthly 50
How many customers do you collect from each month?
Average payment amount £150
What’s the typical monthly charge per customer?
Time chasing late payments 4 hrs/mo
Hours per month spent on reminders, calls, and follow-ups
Your estimated annual savings
Time saved chasing payments BACS: avg 2% DD failure vs 18% invoice
£1,188
Recovered revenue 3.5% more invoices collected via DD
£3,150
Cash flow improvement Avg invoice paid 28 days late vs DD on day
£270
Admin overhead reduction 30 mins/customer/yr saved on reconciliation
£413
Bounced payment costs avoided £25 avg bank fee per returned payment
£188
Gross annual saving
before Ripple fees
£5,209
Less estimated Ripple fees
Growth plan
−£504
Net annual saving
after all Ripple fees
£4,705
Start saving today →

Time savings use the UK/IOM median hourly wage of £16.50 (ONS 2024). Revenue figures use BACS-published DD failure rates vs typical invoice non-payment rates. Ripple fees are calculated using the cheapest plan for your inputs (Lite: 2%+20p/txn; Growth: £30/mo+1.6%+20p; Scale: £60/mo+1.2%+20p). All figures are illustrative — actual results will vary.

Ripple

Ready to start collecting?

Apply in minutes. No setup fee. Up and running within one working day.

Start collecting today →

Questions? [email protected]