Click
Click (Pay With Click Limited) is a UK-based open banking payment initiation provider enabling SME merchants across the UK and Europe to accept account-to-account payments via API, iframe, WooCommerce plugin, and mobile apps, with banking coverage spanning 19 countries.
- Company typePrivate
- Founded-
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Click does
Click (legal entity: Pay With Click Limited) is a UK-based open banking payment initiation service provider that enables merchants to accept account-to-account payments directly from customers' bank accounts, bypassing card networks. The company operates a REST API at api.apppay.co.uk alongside a JavaScript iframe checkout embed and an official WooCommerce plugin, with consumer-facing mobile applications on iOS and Android. Banking connectivity is delivered through third-party aggregator relationships and spans 19 countries across the UK and Europe, covering Barclays, ING, Rabobank, Raiffeisen, Revolut, Santander, and La Banque Postale, with multi-currency support for GBP, EUR, and SEK.
The product surface extends beyond payment initiation into a merchant CRM layer that includes transaction and income tracking, smart data analytics, sales forecasting, debt management, performance tracking for branches and employees, and bill payment and invoicing. Security is positioned around behavioral biometrics and strong customer authentication, with ICO data controller registration (ZB692061) and ISO 27001-aligned encryption standards. Distribution combines a self-serve merchant portal, embedded integrations, app store presence, content marketing through an open-banking education blog, and event-driven lead generation including The Pharmacy Show 2024.
Click monetizes via transaction fees on processed payments, though no specific rates are publicly disclosed. The platform primarily targets small and medium-sized enterprises across the UK and Europe, with a vertical push into independent pharmacies and exposure to payment gateways seeking open banking integration. The company is privately held, founder-led by co-founders Mark Perks and Chris Jenkins, operates with a team of approximately nine named individuals, and has not disclosed external funding.
Click firmographics
Firmographics- Name
- Click
- Legal name
- Pay With Click Limited
- Website
- https://paywithclick.co.uk
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Click (Pay With Click Limited) is a UK-based open banking payment initiation provider enabling SME merchants across the UK and Europe to accept account-to-account payments via API, iframe, WooCommerce plugin, and mobile apps, with banking coverage spanning 19 countries.
- Ownership category
- akta.pro rank
Click industry classification
Industry- Product category
- Open Banking Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), QR Code Payments Wallets (FSAMAEAC), App Monetization & Subscription Management Platforms (BPAMADAI)
Keywords
Where Click is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Click business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Transaction Fees: Click charges merchants a transaction fee for each payment processed through its open banking platform. No specific fee rates are publicly disclosed; the company highlights that open banking payments eliminate card processing fees, resulting in average monthly savings of £18 per customer.
- Open Banking Payment Processing: Revenue generated from processing instant account-to-account bank transfers initiated through Click's payment gateway, redirecting customers from merchant checkout to their banks for authorisation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Click product offering
Product offeringCore offering
Click provides an open banking payment initiation platform that enables merchants to accept instant account-to-account payments directly from customers' bank accounts, bypassing card networks. It is delivered via a REST API, iframe embed, WooCommerce plugin, and mobile apps, and is supplemented by a CRM with transaction/income tracking, payment links, QR code payments, invoicing, and debt management tools. The platform is used primarily by UK and European SMEs, including pharmacies, retail, and hospitality merchants, seeking to reduce card processing fees and receive real-time settlement.
Product overview
Click operates as an open banking payment platform offering a unified core product (Pay With Click/Click Pay) that enables instant account-to-account payments through bank redirects, QR codes, and payment links. The platform is complemented by ancillary modules including Transaction & Income Tracking CRM, Smart Data Sets analytics, Forecasting, Debt Management, Performance Tracking, and Bill Payment features. The ecosystem includes an official WooCommerce plugin, IFrame web integration, and REST API with webhook support for developer integrations.
Differentiator
Problem solved
Functional benefit
Products and services
- Pay With Click (Click Pay) Open banking payment initiation platform that enables merchants to accept instant account-to-account payments from customers via bank redirect, QR code scanning, or payment links. Provides real-time settlement, reduced transaction fees versus card payments, and biometric authentication for enhanced security. Targeted at UK and European merchants.
- Click Pay Mobile App Consumer-facing mobile application (iOS and Android) allowing merchants to manage payments on the go, including tableside payment collection and instant payment receipt.
- Click Open Banking REST API REST API for payment processing via open banking with endpoints for creating payments, retrieving payment records, listing payments with pagination, and validating webhook notifications. Supports GBP, EUR, and SEK currencies and uses HTTP Basic Authentication with API Key and Secret credentials. Targeted at enterprise merchants and payment gateways integrating open banking at scale.
- Click WooCommerce Plugin Official WooCommerce plugin enabling merchants to accept Pay With Click open banking payments at WooCommerce checkout. Installed via WordPress dashboard, configured with API Key and Secret, and creates automatic webhook endpoints for payment status notifications.
- Click IFrame Checkout Embed JavaScript-based iframe integration that embeds the Click payment system into merchant websites, handling sensitive payment information without exposing it to merchant servers. Supports GBP and EUR, custom success/failure/processing URLs, and notification webhooks.
Quantifiable outcome
- £18 average monthly saving per customer on transaction costs
- +4 more outcomes
Companies that use Click
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Click technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature9 records
Click partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and support.
- BarclayscorePartnered bank providing open banking connectivity. Barclays is listed among the top tier banking partners enabling Click's payment initiation services in the UK.
- INGcoreMajor European banking partner providing open banking API connectivity across the UK and EU. ING is featured prominently in partner bank imagery on Click's website.
- RevolutcoreDigital bank partner integrated with Click's open banking platform, enabling real-time payment processing for Click merchants.
- RabobankcoreDutch cooperative bank partner providing banking connectivity for Click's EU payment services across the Netherlands.
- La Banque PostalecoreFrench state-owned bank partner enabling open banking payment connectivity in France as part of Click's EU expansion.
- RaiffeisencoreAustrian banking group partner providing open banking integration for Click's European payment coverage.
- SantandercoreSpanish multinational banking group partner offering open banking connectivity for Click's EU market coverage, particularly in Spain.
- ZendesksupportCustomer support system provider used by Click to handle support requests and queries in relation to products and services.
- Third Party Aggregator ConnectionscoreClick uses a combination of third-party aggregator connections to connect businesses and consumers to their bank accounts for safe and secure payment redirects.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Click competitors and assessment
Company assessmentDirect peers
- TrueLayer: UK-based open banking PISP offering account-to-account payment initiation APIs, payment links, and a developer console. Closest direct competitor in the UK open banking payments space with similar target merchant segments and API-first GTM.
- Tink: European open banking platform owned by Visa, providing payment initiation and financial data APIs across 18+ markets. Direct comparable in terms of bank connectivity coverage, API-first merchant integration, and PSD2-based payment products.
- Yapily: London-based open banking infrastructure provider offering A2A payment initiation and data connectivity APIs across European banks. Directly comparable as a PISP platform targeting merchants and fintechs with similar API-first integration model.
- Volt: UK-based open banking payments network offering A2A payment initiation, payment links, and a developer-first API. Direct peer in the open banking PISP space with similar merchant onboarding and cross-bank coverage model.
- GoCardless: UK-headquartered A2A direct debit and open banking payment platform serving SMB and enterprise merchants. Closely comparable business model of taking a transaction-based cut on account-to-account payments in the UK and EU.
- Trustly: European open banking A2A payments leader owned by Nordic Capital, operating across 30+ countries with deep bank connectivity. Comparable core product (bank redirect payments) though at materially larger scale and broader geographic footprint.
Broad incumbents
- Plaid: Major open banking and financial data connectivity platform with expanding A2A payment capabilities across the US, UK, and Europe. Significantly larger scale but provides comparable bank-redirect payment infrastructure to merchants.
- Adyen: Global payments incumbent serving enterprise merchants with unified online and in-person payment processing. Increasingly integrating open banking and local payment methods, competing for the same merchant wallet Click targets.
Others
- Stripe: Global payment infrastructure incumbent offering cards, wallets, and increasingly A2A/real-time payment options. Competes with Click at the merchant checkout level but with vastly broader product portfolio and developer ecosystem.
Emerging players
- Modulr: UK-based embedded payments and banking-as-a-service provider offering account-to-account payment infrastructure. Comparable in the embedded payments/PSD2 space but more focused on BaaS and account issuance than merchant checkout.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Click social profiles
Digital presenceClick compliance and trust
Trust signalCompliance3 records
Click financial estimates
Financial estimateRevenue estimate
Valuation estimate
Click leadership team
Management profileNumber of profiles
Profiles9 records
Click funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Click M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Click
What does Click do?
Click provides an open banking payment initiation platform that enables merchants to accept instant account-to-account payments directly from customers' bank accounts, bypassing card networks. It is delivered via a REST API, iframe embed, WooCommerce plugin, and mobile apps, and is supplemented by a CRM with transaction/income tracking, payment links, QR code payments, invoicing, and debt management tools. The platform is used primarily by UK and European SMEs, including pharmacies, retail, and hospitality merchants, seeking to reduce card processing fees and receive real-time settlement.
Is Click a public or private company?
Click is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Click founded?
Click was founded in -1. It employs 1 to 10 people.
Where is Click based?
Click is headquartered in London, United Kingdom, in the Europe region.
How does Click make money?
Two revenue lines are on record. Transaction Fees are the primary driver. The others are open Banking Payment Processing.
Who are Click's main competitors?
Direct peers on record are TrueLayer, Tink, Yapily, Volt, GoCardless and Trustly. Broad incumbents are Plaid and Adyen. Stripe is listed as an others. Modulr is listed as an emerging player.
Does Click have an API?
Yes. Click offers a REST API for payment processing via open banking. The API enables merchants to create payments, retrieve payment records, get payment collections, and receive webhook notifications for payment status changes. Authentication uses HTTP Basic Authentication with API Key and Secret credentials. The API supports GBP, EUR, and SEK currencies. Available endpoints include: Create Payment (https://api.apppay.co.uk/api/v1/payments/create), Get Payment, Get Payments (with pagination), and Validate Payment Notification webhook endpoint. Developer documentation is at paywithclick.co.uk/documentation.
What industry is Click in?
Click's product category is Open Banking Payment Processing. Its primary akta.pro industry code is FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure, with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 522320 and its SIC code is 7372.