Set up Direct Debit and card subscription billing for your business. We handle the applications — you just provide the details.
Plan
Business
People
Bank
Documents
Agreements
Submit
Choose Your Plan
What would you like to set up? Pick one to get started — you can change this later.
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Direct Debit
Collect recurring payments straight from customer bank accounts. Ideal for subscriptions, memberships and invoices.
Lower transaction fees
BACS-compliant mandates
Best for UK/IoM customers
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Card Portal
Take recurring card payments with a full portal — sign-up pages, dunning, integrations and more.
Instant sign-up, no bank details
Apple Pay & Google Pay built-in
Auto-retry on failed payments
🏦+💳
Both
Offer customers a choice — or mix both to get the best rates and the broadest reach.
Maximum flexibility
Highest signup conversion
Lowest fees on eligible customers
You picked —
Direct Debit Plans
Lite
£0/mo
2% + 20p Cap £5/tx
Growth
£30/mo
1.6% + 20p Cap £5/tx
Scale
£60/mo
1.2% + 20p Cap £5/tx
Custom
Custom
Bespoke pricing
Card Recurring Billing
💳 Card Portal
£10/mo
2% + 20p per transaction · no cap
Sign-up pages, subscriber management, activity feed, billing, integrations, packages, settings, and help & guide. Powered by Cashflows with next-day settlement.
Optional Add-ons
🔗 Payment & Checkout Links + QR Codes
Shareable checkout and recurring payment links — customers click, pay, and (for subscriptions) recurring billing starts automatically. Includes QR codes for in-person use.
Sell tickets, manage capacity, attendee lists and check-in
£5/mo
📄 Invoicing & Quotes
Send invoices and quotes with a Pay Now button. Includes Xero & QuickBooks Pay Now — customers pay direct from your invoice email, payments auto-reconcile to your books
£5/mo
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Have these documents ready
You'll need to upload these during the signup process. Select your business type to see what's required.
✓Photo ID (passport showing all 4 corners, or both sides of driving licence) for each director/shareholder holding 25%+
✓Proof of home address (utility bill or bank statement, within 3 months) for each director/shareholder holding 25%+
✓Proof of trading address (utility bill or government letter at business address, within 3 months) in the business name
✓Business bank statements (last 2 months for DD, last 1 month for card only)
✓Certificate of incorporation
✓Annual return / confirmation statement or Memorandum of Association (either is fine)
✓Photo ID (passport showing all 4 corners, or both sides of driving licence)
✓Proof of home address (utility bill or bank statement, within 3 months)
✓Bank statement (within 3 months — the one you use for your business)
✓Proof of business existence (HMRC letter, invoices, or website)
Business Details
Card Processing Details
Describe your main activity, products/services, and top regions you sell to (max 450 characters)
0 / 450
Note: If a membership is for 1 year, enter 365. If you sell travel packages, enter the number of days from booking until the traveller returns. For instant delivery of products/services, enter 0.
A security word for your Cashflows account (used for phone verification)
Directors / Shareholders
Add details for all directors of the company, plus any shareholder holding 25% or more. Documents will only be required for shareholders with 25%+ ownership. For sole traders, just add your own details.
Bank Details
The bank account where collected funds will be paid into. Must be a business account in the business name.
Required for BACS Direct Debit compliance. You'll find this on your bank statement.
Document Upload
Upload the documents below so we can complete your application. Accepted formats: PDF, JPG, PNG (max 10MB each).
Agreements & Signature
Review and agree to the following. Your details from the previous steps have been pre-filled into each agreement. By signing below, you authorise all of the following in one go.
After you sign, you'll be taken to a separate page in the final step to complete your Direct Debit mandate with our bank partner (London & Zurich). This is a standard BACS requirement and only takes a moment.
Ripple Pay Terms & Conditions
I agree to the Terms & Conditions and confirm I am authorised to act on behalf of this business.
Data Processing Agreement
I agree to the Data Processing Agreement. Ripple Pay will process customer data on my behalf as data processor.
Direct Debit Mandate — Ripple Pay Fees
I authorise Ripple Pay (via London & Zurich) to collect monthly platform fees by Direct Debit from the bank account provided:
Protected by the Direct Debit Guarantee. You can cancel at any time by contacting your bank.
I authorise Cashflows Europe Ltd to collect acquiring fees by Direct Debit from the bank account provided, and I request gross settlement of card transaction funds.
Your card sales will be settled gross (full amount) to your bank account. Cashflows will collect their fees separately via Direct Debit.
Your Signature
Sign below to authorise all agreements above. You can draw your signature or type your name.
✍️ Draw
⌨️ Type
Draw your signature above
Your typed name will be used as your electronic signature
Review & Submit
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Step 1 of 2: Set up your Direct Debit
Required before you can submit your application
⚠️ Important: The DD form opens in a new tab. After you complete it, come back to this tab and click Submit below — your account won't be created until you do both steps.
Opens in a new tab. Protected by the Direct Debit Guarantee.
We'll review your application and documents, then set up your account. You'll receive an email confirmation within 5 working days.
Application Received!
Your portal is ready — check your email at for your login link.
We're now reviewing your documents and setting up your account with London & Zurich and Cashflows. You'll receive an email once everything is approved and you're ready to start collecting.
Please note: Cashflows may request additional information or documentation as part of their underwriting process. If anything further is needed, we'll be in touch.