SpiralHQ
Payments

Make it effortless to pay you — and watch the money land

Add a Pay Now button to every invoice. Clients pay by card, bank transfer or Apple Pay in a tap, you get an instant receipt, and the payment reconciles itself.

11 days
faster payment
92%
paid on time
1 tap
to pay
pay.spiralhq.co/inv-0087
Payment received
RCPT-0087 · 6 Jul 2026
From Acme Solutions Ltd
Invoice INV-0087
Method Card · Visa ••4242
Amount £5,760.00
Balance after payment: £0.00
Every way to pay

Meet clients where their money is

Card, bank transfer via Open Banking, Direct Debit for retainers, or Apple and Google Pay on mobile — all built into the invoice, no extra apps for your client.

Card, bank, Direct Debit & wallets
Pay Now button on every invoice
Low, transparent transaction fees
Card
Visa, Mastercard, Amex
Bank transfer
Open Banking, instant
Direct Debit
For recurring clients
Apple / Google Pay
One-tap on mobile
Instant receipts

Proof of payment, sent automatically

The moment a payment settles, your client gets a clean, branded receipt and the invoice balance updates itself. No “did you get my payment?” emails.

Auto-sent branded receipts
Invoice balance updates live
Part-payments handled gracefully
Receipt sent
+£5,760.00
Acme Solutions Ltd paid INV-0087 in full
Cashflow clarity

See what's in, what's late, what's coming

A live view of paid, outstanding and overdue — with an ageing ladder that shades old debt red — so you always know where you stand and who to nudge.

Real-time paid vs outstanding
Aged-debt ladder by bucket
Payment-behaviour insights per client
Paid this month
£18,240
+12% vs last month
Avg days to pay
6.2
was 17 before Spiral
Outstanding by age
Current £4,280
1–30 days £1,240
31–60 days £380
60+ days £96
Three steps

Invoice to paid, without the chase

1
Attach

Every invoice you send carries a Pay Now button automatically.

2
They pay

Your client pays in a tap — card, bank or wallet, no login required.

3
You’re paid

Money lands, a receipt goes out, and it reconciles against your bank feed.

Get paid faster and stay right with HMRC

Join 24,000+ UK businesses running their money on Spiral HQ. Free to start, no card required.

4.9/5 · 30-day free trial · Cancel anytime