Does it file my tax return?

No. WorkPaid keeps your records and exports them, and your accountant or MTD software submits to HMRC. FreeAgent is one that does: it's free if you have a NatWest, RBS, Ulster Bank or Mettle business account, and WorkPaid's FreeAgent file imports straight into it.

Does WorkPaid hold my money?

No. Payments go through Stripe straight to your bank account.

Does my customer need an app?

No. They open a link in their browser and pay. Nothing to download, no account to create.

No. No subscription, no contract. Quoting and invoicing are free, and you only pay when a customer pays through WorkPaid.

Can my customer pay WorkPaid's fee?

Yes, if you want. Turn on the switch and our 2.5% goes into the customer's total, so a £1,000 quote becomes about £1,026 and our fee comes out of that, not your £1,000. They see one price, the same however they pay. Card or bank charges still come out of your payment. You choose on each quote.

Can I add a card fee to the bill?

Not as a surcharge: since 2018 it's against the law to charge a customer extra for paying by consumer debit or credit card. You can price the job as one total, which is what WorkPaid's pass-on switch does: our 2.5% goes into the quoted price the customer sees before they pay, whether they pay by card or bank.

Features

From the quote to the money in your bank.

WorkPaid is a quoting, deposit and invoicing app for UK trades, sole trader or limited company. Here's everything it does, in the order a job actually happens. Quoting and invoicing are free. You only pay when your customer does.

Quotes

Quotes that look like you mean business.

Put a proper price in front of your customer, in writing, from your phone.

Quote builder: Line items, quantities and prices, with VAT at standard, reduced or exempt rates. A couple of minutes on your phone.
Saved items: Save the materials and labour you use all the time. Your most-used ones come up first.
Deposits: Ask for a percentage up front, so you're not buying materials with your own money.
Stage payments: Split a big job into stages, paid as the work reaches each one. Add a stage mid-job if the scope grows.
Extras mid-job: Customer wants more while you're on site? Send the extras for approval. They go on the final bill, or get paid there and then.
Call-out fees: A small fixed charge to secure a visit, before the job's even scoped.
Business quotes: Quoting a company or landlord? Add their company name, PO number, billing address and VAT number. It all shows on the quote and the invoice.
Your usual terms: Set your usual deposit, cancellation policy, notes and days to pay once, and every new quote starts with them. For repeat work, copy a past quote instead.

More about quoting in WorkPaid

Sending the quote

One link. Nothing for your customer to download.

Your customer opens the quote in their browser. No app, no account.

Share it your way: Send the link by WhatsApp, text or email, or copy it into whatever you already use.
See when it's opened: Your timeline shows when the link was opened, so you know who's serious before you follow up.
Accept or decline: Your customer can accept or turn it down, and tell you why if they say no.
Accept now, pay later: They can accept without paying yet. They type their name, and you get a dated record of what they agreed to.
Quote PDF: Download a PDF of the quote to keep or send on.
Expiry dates: Set a 'valid until' date. The quote expires after it, unless they've already accepted.

Deposits and payments

Money in, without the chasing.

Take the deposit before you start, and the rest as the job goes.

Card or Pay by Bank: Customers pay by card, Apple Pay, Google Pay, or straight from their bank, and get a receipt for each payment if they add their email. Pay by Bank is cheaper for you and can't be charged back.
Scan to pay, before you leave: Customer with you when the job's done? Show a QR code on your phone. They scan it with their camera and pay there and then, and your screen changes to Paid as soon as it goes through. No card machine needed.
Payment requests: Ask for the next stage or the final balance with one tap, with a 'please pay by' date if you want one. If their email's on the quote, we email them the link straight away.
Payment reminders: If a deposit, a stage or the final balance is unpaid, we email your customer a reminder every two days, with a heads-up before any pay-by date. No email for them? We tell you when one's due and write it, and one tap sends it from your WhatsApp or messages. After five we stop and flag the job on your dashboard, so you know it's time to call. You can switch them off for any job.
Paid straight to you: Stripe pays into your bank, and WorkPaid never holds your money. You can see what's on its way and when it'll land without leaving WorkPaid. It usually lands in 3 working days, with no payout fee.
Pass our fee on: Flip a switch on any quote and our 2.5% goes on the customer's total instead of coming out of your pay. Card processing still comes out of your side, like any card machine.
Paid another way?: Customer paid cash or by bank transfer? Mark it as paid so your records stay complete. Gave some money back? Record the refund and your earnings and VAT figures follow.
Close a job: Job not going ahead? Close it with a note, so it stops sitting in your list waiting for money that isn't coming.

Proof and dispute evidence

If a payment's disputed, you're not starting from scratch.

Plenty of apps promise peace of mind. Here's what WorkPaid actually does when a card payment is challenged.

A dated agreement: Before their first payment, your customer types their name to accept the quote. WorkPaid records the name, the date and the IP address, and prints the acceptance on the quote and the invoice.
Photos with dates: Photos you take on the job are kept with the date. Share the best ones with your customer and keep the rest as evidence.
Evidence sent for you: If a card payment is disputed, WorkPaid puts the response together for Stripe inside the app: the quote, the timeline, the customer's acceptance and your job photos. No digging out screenshots.
Pay by Bank can't be reversed: Payments straight from a customer's bank are approved in their banking app, so there's no chargeback to fight.

Stripe and the customer's bank decide how a dispute ends, so nobody can promise you'll win. WorkPaid makes sure your side of it is as strong as it can be.

Invoices, expenses and tax records

Books that keep up with you.

Every payment becomes a record, so the admin's mostly done by the time you need it.

Invoices, automatically: A proper invoice is raised the moment a job's paid, numbered in order, with a PDF your customer can download. If you trade under a different name, it also shows your own name or registered company name, as GOV.UK says it should.
Expenses: Snap a photo of a receipt and log it under the category HMRC uses.
Mileage: Log your miles and WorkPaid applies HMRC's rates: 55p a mile for the first 10,000 in a tax year (45p before April 2026), 25p after that.
Your real profit: See what you actually made after expenses, not just what came in. Count WorkPaid's fees as an expense with one switch.
Earnings by tax year: Your income broken down by tax year, quarter and month.
VAT threshold tracker: See how close your last 12 months of WorkPaid payments are to the £90,000 VAT registration threshold.
Export for your accountant: Download your earnings, expenses or a full profit and loss as a spreadsheet for your accountant or bookkeeping software.
A guide for your accountant: A plain-English page explaining how WorkPaid's numbers work, to forward to whoever does your books.

Your profile, reviews and badges

The customer sees a proper business.

What your customer sees puts your business first.

Your logo: Your logo on your quotes, invoices and the page your customer pays on.
Reviews: After a job, your customer is invited to leave a review. Once you've a few, your rating shows on future quotes. Add your Google review link and we'll ask for one there too.
Accreditations and insurance: Show your Gas Safe, NICEIC, TrustMark or other memberships with your registration number, plus your public liability cover. They sit under your name on the quote your customer opens.
A page for your customers: A plain-English page explaining who WorkPaid is and how paying safely works, for any customer who's unsure about paying online.

Common questions

Does it file my tax return?: No. WorkPaid keeps your records and exports them, and your accountant or MTD software submits to HMRC. FreeAgent is one that does: it's free if you have a NatWest, RBS, Ulster Bank or Mettle business account, and WorkPaid's FreeAgent file imports straight into it.
Does WorkPaid hold my money?: No. Payments go through Stripe straight to your bank account.
Does my customer need an app?: No. They open a link in their browser and pay. Nothing to download, no account to create.
Am I tied in?: No. No subscription, no contract. Quoting and invoicing are free, and you only pay when a customer pays through WorkPaid.
Can my customer pay WorkPaid's fee?: Yes, if you want. Turn on the switch and our 2.5% goes into the customer's total, so a £1,000 quote becomes about £1,026 and our fee comes out of that, not your £1,000. They see one price, the same however they pay. Card or bank charges still come out of your payment. You choose on each quote.
Can I add a card fee to the bill?: Not as a surcharge: since 2018 it's against the law to charge a customer extra for paying by consumer debit or credit card. You can price the job as one total, which is what WorkPaid's pass-on switch does: our 2.5% goes into the quoted price the customer sees before they pay, whether they pay by card or bank.

What it costs

Free to quote and invoice. 2.5% when a customer pays through WorkPaid, capped at £500 a quote, or pass it on to them.

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