For trades like plumbers, electricians, joiners and roofers, the biggest headache isn’t always the work itself — it’s getting paid afterwards. Late invoices, high card machine fees, and wasted hours chasing balances drain time and cash flow.

SOTpay gives trades and SMEs a complete toolkit of secure payment options. From instant payment links to Direct Debit, Open Banking transfers, recurring plans and card-on-file for regulars, SOTpay helps small businesses get paid faster, with lower fees, and without the compliance risk.

Why Trades & SMEs Choose SOTpay

·         Instant Payments On-Site
 Send a secure link while you’re with the customer. They pay on their own phone — no chip-and-pin machine, no awkward “I’ll transfer later.”

·         Direct Debit & Recurring Plans
 Perfect for boiler servicing, maintenance contracts or repeat work. Payments are collected automatically, reducing arrears and keeping cash flow steady.

·         Open Banking Transfers
 Real-time bank payments cut out card fees and settle faster, saving trades money and admin.

·         Card-on-File for Regular Customers
 Store cards securely for trusted clients, so you can charge instantly for repeat jobs without raising a new invoice.

·         Deposits Upfront
 Collect deposits securely before committing to labour or ordering materials. No more last-minute cancellations leaving you out of pocket.

·         Lower Transaction Costs
 SOTpay helps reduce payment fees compared to traditional merchant terminals. More of what you earn stays in your business.

·         PCI DSS Compliant Security
 Sensitive data never passes through your systems, keeping you protected from compliance headaches and giving customers confidence.

Real Results in the Trades

DTS Plumbing & Heating, a Yorkshire-based family business, adopted SOTpay to modernise the way they take payments. Before SOTpay, they were often tied up chasing late invoices and relying on old-fashioned card machines.

“SOTpay transformed how we collect money. Customers now pay as soon as the job’s done, whether we’re on-site or sending a link. Our cash flow has improved massively, and we’re spending more time on the tools and less time on paperwork.”

By switching to SOTpay, DTS reduced late payments, cut transaction fees, and improved customer satisfaction — all without needing extra hardware.

Business Impact for Trades

·         Plumbers: Secure annual service contracts with Direct Debit, or use card-on-file for repeat boiler jobs.

·         Electricians: Split big rewires into staged instalments, settled automatically.

·         Joiners/Builders: Collect deposits upfront and reduce arrears with recurring schedules.

·         Roofers & Specialists: Take payments on-site via mobile link or Open Banking without needing a terminal.

Every hour not spent chasing overdue invoices is an hour you can spend on the next job.

How It Works

1.      You select the right option — link, Direct Debit, Open Banking, recurring plan, or card-on-file.

2.      The customer pays securely through their chosen channel.

3.      Data never touches your systems, keeping you PCI DSS compliant.

4.      Payments clear and reconcile automatically into your accounts.

FAQs

Do I need a card machine to take payments?
 No. With SOTpay you can use links, Direct Debit, Open Banking or card-on-file — no chip-and-pin needed.

Can I set up regular payments?
 Yes. Direct Debit and recurring plans are ideal for maintenance contracts or staged projects.

Are fees lower than a terminal?
 Often, yes. Open Banking and Direct Debit reduce costs compared to traditional merchant services.

What if customers don’t want links?
 Offer alternatives: bank transfer via Open Banking or card-on-file for repeat work.

Does it integrate with accounting software?
 Yes. SOTpay connects with Xero, QuickBooks and similar tools to reduce admin.

Stop Chasing, Start Earning

SOTpay helps trades get paid faster, with fewer costs and less hassle. From one-off callouts to recurring contracts, our tools make payments simple, secure and reliable.