Field service engineer on site ready to take payment

Equip Every Engineer. Without Equipping Every Van.

Equipping a field team with card machines means buying terminals, insuring them, charging them, replacing the ones that get dropped on site, and reconciling what each one took. With Pay by Bank, every engineer already has what they need. They enter the amount on their own phone, the customer approves it in their own banking app, and the payment lands directly in your account the same day — attributed to the job and the engineer.

How It Works

01

Your Engineer Enters the Amount

The invoice total goes in on the engineer’s own phone or tablet, on site, as soon as the job is signed off.

02

A Secure Code Appears

A one-time payment code generates instantly. Nothing to pair, charge or carry.

03

The Customer Approves

They scan it with their own phone and approve the payment inside their own banking app.

04

Funds Land Centrally, Same Day

The payment settles straight into the company account the same day, attributed to the job and the engineer who completed it.

Why It's Different

Nothing to Buy, Insure or Replace

Card terminals have to be purchased, insured, charged and replaced when they get dropped on site. One business we analysed paid £1,197.60 a year to rent terminals that processed nothing at all. Your engineers’ own phones are the terminals.

Every Job Reconciled Centrally

Payments arrive attributed to the engineer and the job, so there’s no end-of-week reconciliation across a fleet of card readers, and no cash coming back in vans.

Lower Cost on Every Invoice

No interchange, no scheme fees and no percentage taken by a card network. Volume pricing is available across a network — ask us for a quote.

See It Across Your Team

We work with multi-engineer operations, service networks and franchise groups.

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