Pay commercial rent by credit card

My landlord doesn't take cards, how does this work?

Most commercial landlords and managing agents only accept bank transfer or standing order. So if you want to put your rent on a credit card, to bridge the gap until your clients pay or earn points on a large payment, you need a way to route it. Payko does exactly that: you pay by credit card, your landlord gets a bank transfer, and they never need to change how they are paid.

How it works

Three steps, a few minutes, and your rent is paid.

Enter the payment

Select Rent on your dashboard, then enter your landlord or managing agent's bank details, the amount and your usual reference.

Pay by credit card

Pay Payko with your Visa or Mastercard credit card. You see the flat 4.9% fee in full before you confirm.

Your landlord gets a bank transfer

We send a standard bank transfer with your reference, in full, typically the next working day.

Who it's for

Quarterly-in-advance leases

A full quarter's rent in one go is a big hit. Spread it over your card cycle instead.

Monthly commercial tenants

Shops, studios, units and offices whose rent day rarely lines up with when income arrives.

Seasonal and project businesses

When takings are lumpy, keep rent covered without dipping into an overdraft.

Rewards-card holders

Rent is one of your largest regular outgoings. Worth points or cashback on the right card.

Why pay rent by credit card?

Keep the relationship clean

Your landlord is paid in full by the bank transfer they already expect, with your usual reference. No awkward conversation, and nothing for them to set up or agree to.

Bridge the gap until you are paid

Paying by credit card can leave the money in your account for up to 56 days, until your card statement is due. How long exactly depends on your card's billing cycle and when in the cycle you pay. Enough to cover the gap between rent day and when your own invoices land.

One flat fee, shown upfront

You see the exact 4.9% fee before you confirm. It works out as a small cost per day over the card cycle, often less than an overdraft or a late-rent penalty under your lease. No subscription, you only pay when you use it.

Pay commercial rent by credit card: FAQ

Can I pay my commercial rent with a credit card?

Most landlords and managing agents only accept bank transfer or standing order, not cards. Through Payko you can pay with a Visa or Mastercard credit card: you pay Payko by card, and your landlord receives a standard bank transfer in full, typically the next working day.

Does my landlord have to do anything?

No. Your landlord or managing agent receives a normal bank transfer with your usual reference, exactly as if you had paid from your bank. There is nothing for them to set up and they do not need to accept cards.

Why would I pay rent by credit card?

Commercial rent often falls due, monthly or quarterly in advance, before the money you are owed has come in. Paying by credit card lets you pay in full while keeping your cash in your account until your card statement is due.

What is the fee?

A flat 4.9% per payment, shown in full before you confirm. No subscription, you only pay when you make a payment. Payments from £100.

Is it safe?

Payments are processed by our payment partner, an FCA authorised payment provider, with 3-D Secure on every transaction. Payko never holds your money.

Payments are processed by our payment partner, an FCA authorised payment provider. Payko never holds your money. This page is general information, not financial advice.