Online payment software UK SMEs get paid faster with.
SwiftBooks Pro is online payment software for UK SMEs and sole traders: add pay-by-link buttons to every invoice — Stripe for cards and PayPal for account payments. GoCardless Direct Debit is on Business and above. There is no Worldpay or Open Banking pay-by-bank in this login. Payments auto-match the invoice and feed your digital records.
What is online payment software?
Online payment software lets businesses add pay-by-link payment buttons to their invoices so customers can pay instantly by card, account or bank transfer instead of running a manual Bacs payment. It replaces the slow back-and-forth of emailing bank details and chasing for confirmation.
Modern online payment software UK integrates with the major UK and global providers — Stripe for cards, PayPal for account payments, GoCardless for Direct Debit on Business and above. Record a bank payment in Payments Received. Match the payout after CSV import.
SwiftBooks Pro is online payment software UK SMEs use across the country — from London consultancies and Manchester e-commerce sellers to Bristol agencies and Edinburgh tradespeople. Stripe and PayPal on every plan; GoCardless on Business+. Stripe webhooks can mark invoices paid; match bank CSV in Banking → Reconcile.
From invoice sent to bank reconciled.
SwiftBooks Pro links every invoice, customer payment and provider payout in the ledger. Pay-by-link via Stripe or PayPal, record bank receipts in Payments Received, then match lines after CSV import in Banking → Reconcile.
Stripe, PayPal, and GoCardless on Business+.
Whether you sell £20 mobile workshops in Cardiff or £20,000 consulting projects in London, these integrations give your customer the right way to pay — and you the fastest cash.
Stripe card payments
Accept Visa, Mastercard, Amex and Apple/Google Pay through Stripe. Pay-by-link on every invoice — customer pays in one click, no logins, no accounts to create.
Learn more → ★ BankRecord bank payments in Payments Received
There is no Open Banking pay-by-bank on the invoice. If the customer pays from their bank, record it in Sales → Payments Received, then match the CSV.
Learn more → ★ PayPalPayPal account payments
Customers can pay from their PayPal balance or a linked card. Useful for international customers and any business with a strong PayPal-using buyer base. Payment confirms in seconds.
Learn more → ★ GoCardlessGoCardless Direct Debit & recurring
GoCardless Direct Debit for predictable monthly retainers, subscriptions and recurring billing. Low capped fee per transaction, mandate-once-collect-forever. Best for recurring revenue.
Learn more → ★ Auto-matchAuto-match payment to invoice
Every payment routes back to its invoice automatically — invoice marks paid, debtor balance drops, customer receives an automated thank-you. No manual marking-as-paid, no missed payments.
Learn more → ★ ReconcilePayout & fee reconciliation
When Stripe, GoCardless or PayPal pays out to your bank, SwiftBooks Pro matches the payout, posts the provider fee to a clearing account, and ticks every contributing invoice — fully reconciled.
Learn more →Payments that close themselves.
SwiftBooks Pro is not just a Stripe button stuck on a PDF — it is online payment software that closes the loop. Every payment links back to its invoice, every provider payout reconciles against your bank, every fee posts to the right nominal account, and the customer gets an automatic receipt. Manual chase emails replaced by automation.
- ✓ Multi-provider on a single invoice
- ✓ Automatic reminders before due date
- ✓ Pay-by-link in chase email
- ✓ Part-payment & over-payment handling
- ✓ Refunds posted automatically
- ✓ Provider fee → clearing account
- ✓ Payout matched after bank CSV import
- ✓ Multi-currency payment acceptance
- ✓ Advisor access for accountants
Pay link sent 2
Paid online 2
Payout matched 2
Payments, invoicing, banking & reporting — joined up.
Payments live between invoicing and banking. SwiftBooks Pro links online payments, invoicing, banking and reporting: pay-by-link on invoices, Stripe/PayPal marks invoices paid, payouts matched after CSV import, lines in debtor ageing and the ledger.
Online payment software UK — honest competitor view.
Benchmarked against leading UK cloud accounting brands. Payment provider support is broadly similar at top level, but auto-match, payout reconciliation and pay-by-bank options vary by tier — treat pricing as indicative and confirm on each vendor's site.
| Feature | SwiftBooks Pro | Xero | QuickBooks | Sage |
|---|---|---|---|---|
| Free plan for sole traders | £15 Solo ex VAT after trial | ✗ | ✗ | Basic only |
| Starting price (per month) | £15 Solo ex VAT | £16 Ignite | £15 Simple Start | £15 Start |
| Stripe card payments | ✓ All paid plans | ✓ | ✓ | ✓ |
| PayPal payments | ✓ | ✓ | ✓ | ✓ |
| GoCardless Direct Debit | ✓ Business+ | ✓ | ✓ | ✓ |
| Open Banking pay-by-bank on invoices | ✗ Not in this login | Limited regions | Limited | Paid plans |
| Worldpay | ✗ Not in this login | ✗ | Limited | Paid plans |
| Multi-provider on one invoice | ✓ | Limited | Limited | Paid plans |
| Recurring & subscription billing | ✓ | ✓ | ✓ | Paid plans |
| Auto-match payment to invoice | ✓ | ✓ | ✓ | ✓ |
| Stripe payout fee reconciliation | ✓ | ✓ | ✓ | Paid plans |
Prices correct as of May 2026, excluding VAT. Provider fees apply on top of any accounting platform — typical ranges: Stripe ~1.4% + 20p UK cards; GoCardless capped per transaction. SwiftBooks Pro pay-by-link is Stripe and PayPal on every plan; GoCardless Direct Debit is Business and above. There is no Worldpay or Open Banking pay-by-bank in this login. Feature availability subject to change. See our full comparison →
What Payment Gateways actually does.
Stripe and PayPal pay-by-link sit on every plan. The customer pays from the invoice. That is card and account collection in this login — not Open Banking pay-by-bank.
GoCardless Direct Debit is on Business and above. Connect it in Payment Gateways, then collect on the invoice for retainers.
If they pay from their bank, record Sales → Payments Received. Match the line after CSV Smart Bank Import. No Worldpay. No pay-by-bank.
Online payment software UK — FAQs for SMEs.
Direct answers on pay-by-link, Stripe, PayPal and GoCardless.
What is online payment software?
Pay-by-link buttons on invoices so customers pay by card or PayPal instead of a manual bank transfer. In SwiftBooks Pro: Stripe and PayPal on every plan; GoCardless on Business and above.
Which payment providers does SwiftBooks Pro support?
Stripe for cards, PayPal for account payments, GoCardless Direct Debit on Business and above. No Worldpay. No Open Banking pay-by-bank on invoices.
How does pay-by-link work?
The invoice includes a Pay Now button. The customer pays by Stripe or PayPal. GoCardless is available on Business+. You can also record a bank payment in Payments Received.
Does Open Banking save on card fees?
No. There is no Open Banking pay-by-bank on invoices in this login. Customers pay by Stripe, PayPal, or GoCardless on Business+, or they pay from their bank and you record Payments Received.
Does this file VAT?
No. Payments post to the ledger.
Online payment software UK SMEs get paid faster with.
Join UK SMEs and sole traders using SwiftBooks Pro to add Stripe, PayPal; GoCardless on Business+ pay-by-link buttons to every invoice — and get paid in days, not weeks. 30-day trial, then Solo at £15/month ex VAT.