Your Swift and Secure

way to pay and get paid.

Our QR-code-based payment solution strives to eliminate card fraud, establish safer payment options, and support merchants and consumers throughout their journey with us.

All your worries are taken care...

to use






Quick & Easy Process

With just a few simple steps. Paying using a QR code is simple whether you’re paying for pasty at your local bakery, dining at a hip restaurant, or even paying your cab driver. Simple scan, confirmation, and done! Your transaction is finished. From beginning to end, the process is flawless. Sending and receiving money has never been quicker, manage all your payments in one space with guaranteed encryption and data protection.

Major Banks Supported

How does it work?

Once you’ve downloaded the app to get started, you’re ready to make quicker and easier

Scan The QR Code

Open the app and scan the QR code using our KodenPay-app or your mobile in-built camera.

Select Your Bank

Select your bank from the options presented on screen in the app.

Get Paid Instantly

Send and receive your payment instantly! No waiting around for bank authentication or approval.

We are proudly associated and backed by…

All-Time Low 0.49% Transaction Fee! No contract and no hidden charges

We believe in transparency and putting our customers first, which is why we offer an
unparalleled deal that’s hard to resist. 

We give you the flexibility to thrive and grow your business on your own terms. Experience the freedom of the lowest transaction fee with no hidden charges and no contract. It’s time to take control of your financial future and unlock the savings your business deserves.

The message to our merchants is simple, every transaction you accept via KodenPay saves your business money.View Pricing.


Instant Bank Payments

We are aware that time is of the essence whether you are a freelancer, a small business owner, or an entrepreneur. Because of this, we have completely changed the payment landscape so that you receive your payments as they happen in real-time. 

There will be no more delays or missed opportunities. It’s time to accept the
payments of the future and get paid quickly and in real time.

Safe and Secure

Your peace of mind is our top priority, which is why we’ve created a payment solution that goes above and beyond when it comes to safety and security. 

Modern encryption technology and multi-layered security procedures have been put in place by us to protect your transactions from any potential risks.

Frequently Asked Questions

No, having an account to use our services is completely optional. You can register or log in using your email and chosen password within our app, or if you prefer, we’re also available online through the web version of our platform that does not require you to create an account to send or receive payments.

No, your privacy is our utmost concern, therefore we employ various security measures like data encryption across our platform to ensure the safety and protection of your data. Using KodenPay doesn’t involve creating a new bank account, so your money stays exactly where it is until you tell us otherwise, which also means that your banks’ usual security procedures remain in place.

No, we pride ourselves on our positive contribution to the environment by choosing not to issue physical cards to the users of our services. Instead, all our operations take place either in-app or online, allowing you to access everything you need all in one place. Wherever you want and whenever you want, without having to refer to a physical card.

As of now, KodenPay, and its services, are operating solely in the United Kingdom – England, Scotland, Wales, and Northern Ireland.

All payments sent through our platform are instant and should therefore arrive in your account straight away without any form of delay. This is because of the open banking process used throughout all KodenPay services, for more information on how exactly this works check out our ‘Payments’ page under ‘Our Services’.