How to pay bills using Payit™ on mobile

This article explains how to pay bills with Payit™ using the FreeAgent mobile app.

Please note that you won't be able to use the FreeAgent mobile app if you have an unincorporated landlord account.

For guidance on how to pay bills with Payit™ using the desktop version of FreeAgent, please see this article.

Please note that Payit™ is only available if you have full (level 8) 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.

To schedule the bill payment for a future date, please follow the instructions in this article instead of following the steps below.

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 the person you want to pay is set up as a contact in FreeAgent, with their bank account details included in their contact profile, 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, then tap 'Contact' from the ‘Add new...’ menu.

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Add the relevant details for the contact, including their bank details, and tap ‘Save’ in the top-right corner to complete the process.

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How to pay a bill with Payit™

Tap the ‘Money out’ icon at the bottom of the screen.

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Next, select ‘Bills’.

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Select the bill that you’d like to pay from the list. If you haven’t created the bill yet, tap the ‘+’ at the top-right corner, select the relevant contact and complete the details for the bill. For more information on creating a bill, please see this article.

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If you didn’t add a payment reference when you first created the bill, you can do so now by tapping the ‘Payment reference’ field. The payment reference can be up to 18 characters long and must contain only letters and numbers. If you don’t enter a payment reference, the bill reference will be used automatically instead.

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Select ‘Save’ to save the bill.

Next, scroll down to the ‘Pay this bill’ section and tap ‘Pay now with Payit™’.

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Next, you’ll see a confirmation page where you'll be able to review the details of the bill before scheduling the payment. Once you’re happy that these details are correct, tap ‘Continue’ to proceed.

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Next, you’ll be taken through your bank’s online banking login journey to authorise the payment. Follow the prompts provided by your bank. Please note that you will need to complete this step each time you pay a bill or schedule a bill payment using Payit™.

What happens next?

If the payment is approved

Once the bill payment has been authorised by your bank, you’ll be redirected to the FreeAgent mobile app and a ‘Payit: Approved’ banner will be displayed at the top of the bill.

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Managing the transaction in FreeAgent

Please note that the Knowledge Base articles referenced below explain how to complete each process using the desktop version of FreeAgent, rather than the FreeAgent mobile app.

If you have a bank feed set up, the transaction will appear in the ‘Banking’ section of your FreeAgent account during the next import. If you don’t have a bank feed set up, you will need to either upload the bank transaction to FreeAgent or enter it manually.

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 haven't 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 is unsuccessful

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.

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