Solutions · Know who’s paid
Ask once. Get paid. Know who’s paid.
You already agree the lesson or the clean on WhatsApp. Ask for the money in the same place, and let Vcents keep track of who has paid and who hasn’t.
How it works
- Say what you need. “Get £40 from Sarah for Tuesday’s class.” Normal words, in the chat.
- Vcents drafts it. It works out the amount and who it’s for, and asks you if there’s more than one person it could be.
- You confirm. Nothing goes out until you’ve seen the amount, the name and the number, and said send.
- They tap and pay. Sarah gets the link on WhatsApp and pays in her own banking app, with the same login she always uses.
- The receipt comes back. Into the same chat, for both of you.
Keep track without a spreadsheet
- Ask “Who’s paid this week?” and Vcents sends you the list.
- Ask “Who still owes me?” to see the payments you’re still waiting for.
- Ask for an evening round-up and get one around 6pm with who paid today.
- If a client forgets, ask Vcents to send them the link again.
How your client pays, and what it costs
The payment link offers Pay by Bank first: your client approves the payment inside their own banking app, with no card details to enter. If they would rather use a card, that works too. Either way the money arrives in your account, and our fee is the same: 2% + 20p per transaction, with no monthly charge and nothing to rent.
You pay nothing in months you don’t get paid. A £9.99 monthly tool costs you £120 a year whether you invoice or not.
What that looks like in a month
- Busy month, 60 lessons at £25: £1,500 comes in, the fee is 60 × 70p = £42.
- Quiet month, 8 lessons at £25: £200 comes in, the fee is 8 × 70p = £5.60.
- Month off, nobody pays: £0.
Your client pays in a few taps, and the receipt lands in the chat for both of you straight away.
When the money reaches your bank
Payments are processed by Stripe, our payment partner. Your client pays straight away and you both see it in the chat. Stripe then sends the money to your bank account 7 days after the payment.
So the chat tells you who has paid today. Your bank balance catches up a week later. Plan for that gap, especially in your first weeks.
What you never have to handle
- No card details reach you. Vcents and Stripe handle the payment page.
- No banking credentials. Paying by bank happens inside your client’s own banking app.
- No card terminal to buy, carry, charge or replace.
- No separate app for your client to install before they can pay you.
Why WhatsApp
Your clients already read your WhatsApp messages. A payment link that arrives in the chat where you booked the work gets seen, and they already know who it’s from and what it’s for.
There is nothing to install and no dashboard to learn. Vcents is a phone number in your contacts.
Questions people ask first
How much does it cost?
2% + 20p each time a client pays you, with no monthly fee. If nobody pays you this month, you pay nothing.
When does the money reach my bank?
You see the payment in the chat the moment your client pays. Stripe, our payment partner, sends the money to your bank account 7 days later, so plan for that gap in your first weeks.
Does Vcents see my client’s card details?
No. Your client pays in their own banking app, or on Stripe’s card page if they prefer, and neither you nor Vcents ever sees their card or banking details.
Does my client need to install anything?
No. They get a link on WhatsApp, tap it, and pay with the banking app they already use.
Can Vcents read my other WhatsApp chats?
No. Vcents only sees the messages you send to the Vcents number, never your chats with clients.
Say hi.
Message Vcents and it gets you set up in about a minute.
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