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![Melanie Asor](https://ph-avatars.imgix.net/4903654/b26a7c37-099b-4195-bf47-3f521195ba46.jpeg?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop&frame=1)
~1.5% of online retailers' revenue is wasted on transaction fees. Underpay is a UK-based payment method that uses Open Banking to process payments, unlocking this resource to help you grow your business and reach new audiences at no extra cost.
Underpay
Bank-to-bank payments that grow your business
![Melanie Asor](https://ph-avatars.imgix.net/4903654/b26a7c37-099b-4195-bf47-3f521195ba46.jpeg?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop&frame=1)
Pay with your existing bank account at any supported retailer and receive reward points worth a minimum of 1% of the purchase price. No application. No credit. No catch.
![Underpay](https://ph-files.imgix.net/c4bd2323-3922-44e7-9599-9170af6a99b8.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop&frame=1)
Underpay
You don't need a credit card to earn rewards (anymore)