🇬🇧 UK OPEN BANKING PAYMENT AGGREGATOR

One Virtual Card.
All Your Bank Balances.

Stop moving money between accounts. MergePay aggregates micro-balances across your UK bank accounts instantly into one virtual checkout card.

Join Early Access Waitlist

No Credit Check

FCA Regulated Open Banking

Free Early Access

– people already on the waitlist

Key Features

Built for modern UK spenders

Zero Credit Checks

MergePay works with your existing money. We never issue debt, so there are no soft or hard credit checks on your profile.

100% Score Safe

Separate Credit Files

Share group bills and household expenses with partners or flatmates without co-signing joint bank accounts or linking financial histories.

Zero Joint Financial Ties

Micro-Balance Aggregation

Have £12 in Monzo, £8 in Revolut, and £30 in HSBC? MergePay pulls those loose ends into a usable £50 checkout balance.

Never Leave Idle Funds

Automated Checkout Splits

Define rules on how transactions are funded. For instance, route groceries 50% from account A and 50% from account B automatically.

Smart Rule Engine

Bank-Grade Security

Built on top of FCA-regulated Open Banking protocols using 256-bit encryption. We never store your login credentials.

Read-Only & Execution Protocols

Simplicity First

3 steps to unified spending

Link Your Bank Accounts

Connect your Monzo, Revolut, Starling, HSBC, or Barclays accounts via secure FCA Open Banking API integrations.

Set Your Smart Rules

Choose your primary funding source, set backup accounts, or enable auto-split ratios across linked balances.

Tap & Pay Anywhere

Add your MergePay virtual card to Apple Pay or Google Pay and spend seamlessly online and in stores.

FCA Regulated Open Banking Infrastructure

Protected by 256-bit encryption and strict Open Banking privacy standards.

Get Started Free

Got Questions?

Frequently Asked Questions

No. MergePay requires zero credit checks. We do not extend credit or loan money, so your credit file remains 100% untouched.

Yes. MergePay uses FCA-regulated Open Banking APIs with 256-bit encryption. We only request read-only access to verify balances and authorization tokens for payment routing. We never store your passwords or banking credentials.

MergePay checks your real-time available balances before routing transactions. If a designated account lacks sufficient funds, our smart fallback engine automatically routes the payment from your designated secondary account to prevent declined payments.

We support over 40+ major UK banks and fintechs, including Monzo, Revolut, Starling Bank, HSBC UK, Barclays, NatWest, Lloyds Bank, Nationwide, and Santander.

⚡ EARLY ACCESS PASS

Claim your spot on the waitlist

Be among the first UK spenders to unify your accounts with MergePay. Enter your email below for priority access.

– people already joined

By joining, you agree to receive early access updates. Unsubscribe anytime.

One Virtual Card. All Your Bank Balances.