Stop losing £175 on every £5,000 invoice.
Payd gets your UK clients to pay you directly - bank to bank - with automatic invoicing, FX rate alerts, and payment reminders. No currency conversion markup. No chasing.
You're a top-tier freelancer. Your payment setup isn't.
Whether it's Payoneer, Wise or your bank - every route takes a cut.
Payoneer (2–3.5%) for your Upwork, Toptal and Fiverr payouts. Wise Business (~1.5–2%) for direct invoices. SWIFT (£15–25 flat) if you go through your bank. Every route between your UK invoice and your Indian account has a toll. Silently. Permanently. On every payment.
You do the work. Then you wait. Then you follow up awkwardly.
You send the invoice. Then you wait. Then you follow up. Then you wait again. Chasing clients for payment is not what you got into freelancing for.
GBP/INR moves daily. You only notice when it's too late.
The rate moves all day, every day. But you only check when you're about to transfer. By then, the good rate is gone. You settle.
Payd is the payment layer that Skydo and Xflow forgot to build.
You already have a UK virtual account with Skydo or Xflow. Payd sits on top - adding everything they don't: smart invoicing, direct Open Banking payments, FX alerts, and automated reminders.
Create your invoice in 60 seconds
Add your client, your amount, your payment terms. Payd generates a clean, professional invoice with a direct payment link.
Your client pays with one click
No SWIFT. No IBAN confusion. No FX fees. Your UK client authorises payment directly from their UK bank - the way they pay any UK business.
You get paid. Payd handles the rest.
Instant payment confirmation. Automatic reminders if they're late. FX alerts when GBP/INR hits your target rate. Everything in one dashboard.
Your invoices, payments, and FX in one place.
A calm dashboard that does the chasing for you. Built for the way you actually work - not for a finance team you don't have.
Total receivables, this month's payments in, what's overdue. No spreadsheet, no guesswork.
Filter by client, account, or status. Export to CSV the moment your accountant asks.
Separate cards per category. Per-card limits. The receipts come to you, not your inbox.
Everything a professional freelancer needs to get paid like a UK business.
Zero conversion markup on receipts
UK clients pay via Open Banking - a direct bank-to-bank transfer that costs pennies, not percentages. Your invoice amount lands in your account in full.
Smart invoicing built for UK clients
Create professional invoices in under a minute. Send via email with a single payment link. Your clients see a UK-native payment flow - no wires, no IBAN, no friction.
Automated payment reminders
Payd chases your clients so you don't have to. Structured reminders go out at the right intervals - firm enough to work, professional enough that the relationship stays intact.
GBP/INR rate alerts
Set the rate you want. Payd watches the market around the clock and notifies you the moment GBP/INR hits your target - via email or Telegram.
One dashboard for every UK client
All your invoices, all your clients, all your payment status - in one clean view. Outstanding, settled, overdue. No spreadsheet. No guesswork.
Telegram notifications
Get payment confirmations and FX alerts directly in Telegram. No app to install. Works the way Indian freelancers actually communicate.
Why freelancers are switching to Payd.
| Payoneer | Wise (Business) | Bank / SWIFT | Payd | |
|---|---|---|---|---|
| Fees per receipt | 2–3.5% | ~1.5–2% | £15–25 flat | Near zero |
| Invoicing | No | No | No | Built-in |
| Payment reminders | No | No | No | Automated |
| FX rate alerts | No | Basic | No | Custom targets |
| Client experience | Clunky | Moderate | Very clunky | One-click UK bank |
| Setup time | Days | Hours | Days | Minutes |
One simple price. Pays for itself on your first invoice.
Both plans include
- Unlimited invoices
- Open Banking payments
- Automated reminders
- GBP/INR alerts (3 active)
- Email + Telegram notifications
- Full payment dashboard
- 14-day free trial
- Cancel anytime
Your UK clients never pay anything to use Payd. The fee is yours alone, once a month.
Built for one type of person.
You're a skilled Indian professional - a developer, designer, consultant, or agency - doing serious work for UK clients. You invoice in GBP. You receive via Skydo or Xflow. You're tired of watching Wise take a cut of every project you win.
You'll love Payd if
- You have at least one recurring UK client
- Your monthly GBP receipts are £2,000+ (Payd pays for itself many times over)
- You use Skydo or Xflow for your UK virtual account
- You'd rather spend time on work than on chasing invoices
Payd is not for you if
- You receive payments in EUR or USD (GBP only right now)
- You want a mobile app (web-only in V1)
- You need team or agency-level accounts (coming soon)
The same infrastructure UK businesses use to pay each other.
Open Banking powered
Payd uses UK Open Banking infrastructure - the same regulated payment network used by UK fintechs and banks. Your client's bank authorisation is protected by the same standards as any UK domestic payment.
Payd never touches your money
We're not a payment processor. We're not an e-money institution. Payd never holds your funds. Payments go directly from your client's UK bank to your GBP virtual account - whether that's Skydo, Xflow, or any other UK account you hold. Period.
Your data, respected
No selling. No sharing. We collect what we need to run the product. That's it. Always has been, always will be.
Things people actually ask.
Be one of the first 500.
Payd is in final testing before public launch. We're onboarding a limited group of freelancers first - people who can give us real feedback as we go live. If that's you, get on the list now.