Wonderful blog

The cheapest way to accept payments for small business: cards vs Pay by Bank

What is the cheapest way for small businesses to accept payments in the UK? This in-depth guide compares card fees vs Pay by Bank, including real costs, settlement times, and practical decision frameworks.

Pay by Bank settlement: when can a small business use the funds?

Understand the difference between customer authorisation, payment status, funds availability, credit and reconciliation in a UK Pay by Bank journey.

What customers experience when they Pay by Bank

Pay by Bank is often misunderstood. This is what your customers actually see and do when they make a payment, and why it's simpler than most expect.

The hidden cost of cards for small businesses

Card payments feel simple, but the true cost to small businesses is often far higher than expected. Here’s what you’re really paying, and what a viable alternative looks like.

Stripe alternatives for UK small businesses: what actually matters when you switch

Many UK small businesses look for alternatives to Stripe, but the decision is rarely just about fees. Settlement timing, customer experience and how payments fit into day-to-day operations matter just as much.

Pay by Bank for small businesses: what it is and how it works

A clear guide to Pay by Bank for UK small businesses, from the customer's approval to payment status, funds movement, cost and practical fit.

UK business rates 2026: How the Autumn Budget hits offices, labs and corporate HQs

New business rates from April 2026 will sharply raise costs for offices and labs, especially in London, Oxford and Cambridge. Learn how to protect your margins with smarter space use, lease strategy, cost cutting and open banking before the 50.8p multiplier hits.

How UK small businesses can protect margins as business rates, taxes and costs rise

UK SMEs face rising business rates, higher taxes and growing overhead costs. Discover what these increases are, what they mean, their impact and how smarter payments, open banking and automation can help cut costs and protect margins.

How the JLR cyberattack exposed UK automotive supply chain risks and why EV growth now demands smarter payment systems

The JLR cyberattack revealed deep vulnerabilities in the UK automotive supply chain just as EV growth accelerates. This analysis explores how cyber threats, supply disruptions, and outdated payment systems threaten the sector and why smarter financial resilience is essential.

Discover how JD.com’s expansion into the UK and Europe, Gen-Z trends and modern payment technology are reshaping eCommerce

JD.com’s expansion into the UK and Europe is reshaping eCommerce. With Gen Z driving mobile-first, seamless experiences, retailers must adopt modern payment technology to stay competitive, optimise conversions, and win customer loyalty.

Bank of England interest rate cut and Open Banking: What they mean for UK small businesses

The Bank of England’s latest rate cut, bringing the Bank Rate down to 4%, together with advances in open banking, offers UK small businesses new opportunities to strengthen cash flow and build more resilient financial strategies.

The UK business owner's guide to online payment solutions in 2025

Feeling overwhelmed by online payment options? Our 2025 UK guide cuts through the noise, helping you compare the top solutions and services. Find the perfect fit for your business and start taking payments with confidence.