Calm UK residential front door in daylight

Collect the Payment. Leave the Card Machine Behind.

For field collections, a secure code is faster and cheaper than a card machine, and it's a payment the debtor authorises themselves — so there's no card-scheme chargeback risk to carry. Your agent shows a secure code from their own phone or tablet, the debtor scans it with their phone and approves the payment in their own banking app, and it settles the same day.

How It Works

01

Agent Enters the Amount

The amount due is entered on the agent's own tablet or phone at the door.

02

A Secure Code Appears

A secure, one-time code generates instantly.

03

Debtor Scans and Approves

The debtor scans it with their own phone and approves in their banking app.

04

Money Arrives, Same Day

The payment settles directly into the business account the same day.

Why It's Different

No Chargeback Risk

This is a payment the debtor authorises directly from their own bank account. There's no card-scheme chargeback mechanism attached to it, the way there is with a card payment.

Lower Cost Per Collection

No interchange, no scheme fees, and no percentage skimmed off by a card network. Pricing for field collections is tailored to your business — ask us for a quote.

No Card Machine at the Door

One business we analysed paid £1,197.60 a year to rent card terminals that processed nothing. Your agent's own device is the terminal — nothing extra to carry.

See It on Your Next Collection Round

Request a Demo
TransactIQ

Powered by Key IVR

Smarter Payments. Lower Fees.

Compliance

Payments made via Open Banking.

TransactIQ is a trading name of Key IVR Ltd. Open Banking is a regulated framework overseen by the Financial Conduct Authority. Your data is protected under UK GDPR.

© 2026 TransactIQ / Key IVR Ltd. All rights reserved.

Open Banking · Bank-Grade Security