This article explains how to pay bills with Payit™ through the FreeAgent mobile app.
Please note that Payit™ is only available if you have full (level 8) user access to your FreeAgent account and if a NatWest, Royal Bank of Scotland or Ulster Bank NI business current account is your primary bank account in FreeAgent.
What is Payit™?
Payit™, a service provided by NatWest, is a fast and simple way to make payments. It uses Open Banking to let you make secure payments from your NatWest, Royal Bank of Scotland or Ulster Bank NI business current account to any other major UK bank via the FreeAgent mobile app. Payit™ is free to use and no fees are applied.
Before you get started
For the best experience, you should install and set up your bank’s mobile app on your device before using Payit™.
You will need to ensure that person you want to pay is set up as a contact in FreeAgent before you can use Payit™ to make a payment to them. To create a new contact within the FreeAgent mobile app, tap the green ‘+’ at the bottom of the screen to access the ‘Add new...’ menu and then tap 'Contact'.
Add the relevant details for the contact and tap ‘Save’ in the top-right corner to complete the process.
How to pay a bill with Payit™
1. Preparing the bill
Tap the green ‘+’ at the bottom of the screen to access the ‘Add new...’ menu and select 'Bill'.
Add the details for the bill, including the contact, reference and amount. To save the bill, tap ‘Save’ in the top-right corner.
2. Preparing the contact
If you added bank account details when you set up the contact in FreeAgent, please skip to step 3.
If you did not add bank account details when you set up the contact in FreeAgent, you’ll be prompted to add them. Tap ‘Edit contact’ in the ‘Pay this bill’ section.
Scroll down to the ‘Payment bank account details’ section. Add the contact’s sort code, account number and name. Tap ‘Save’ in the top-right corner to complete the process.
3. Adding a payment reference to the bill
When you pay a contact’s bill, a payment reference will be included in the payment details. If you don’t enter a payment reference, FreeAgent will use the bill reference automatically instead.
If you added a payment reference when you first created the bill, please skip to step 4. If you didn’t add a payment reference when you first created the bill, select ‘Money out’ at the bottom of the screen and open the relevant bill.
Next, tap the ‘Payment reference’ field and add a reference. The payment reference can be up to 18 characters long and must contain only letters and numbers.
Select ‘Save’ to complete the process.
4. Paying the bill
Select ‘Money out’ at the bottom of the screen and open the relevant bill.
Scroll down to the ‘Pay this bill’ section and tap ‘Payit™’.
Next, you’ll see a confirmation page. Review the details and select ‘Continue’ to proceed.
Follow the prompts provided by your bank to log in to your online banking app and authorise the bill payment. Please note that you will need to complete this step to authorise the payment each time you pay a bill using Payit™.
Once the bill payment has been authorised, you’ll be redirected to the FreeAgent mobile app.
What happens next?
If the payment is approved
Once the payment has been authorised by your bank, a ‘Payit: Approved’ banner will be displayed at the top of the bill.
Managing the transaction in FreeAgent
Please note that the Knowledge Base articles highlighted in this section explain how to complete each process using the desktop version of FreeAgent, rather than the FreeAgent mobile app.
If you’ve enabled the ‘Guess’ feature in FreeAgent, the software will attempt to match the imported or uploaded transaction to the appropriate bill. To approve the transaction, tap ‘Banking’ in the bottom-right corner, and select ‘For approval’. Select the relevant transaction from the list, review the explanation and then tap ‘Approve’ to explain the transaction.
If you’ve not enabled the ‘Guess’ feature, you can explain the bank transaction manually, choosing ‘Bill Payment’ as the transaction type.
If the payment isn’t approved immediately
If the payment isn’t approved immediately, a ‘Payit: Payment pending’ banner will be displayed at the top of the bill.
If the payment isn’t approved
If the payment attempt is ultimately unsuccessful, a red notice will appear on the bill in FreeAgent. You will also receive an email from FreeAgent with the subject line: 'Notice: your bill payment was unsuccessful'. We recommend that you contact your bank directly so they can investigate the unsuccessful payment.
FreeAgent is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 (register no. 799763) for the provision of account information services.
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