Pabau
One system for every payment your clinic takes.
Card terminals, Tap to Pay, payment links and online checkout, built directly into the practice management software you already run. No third-party terminal. No manual reconciliation.
Payments that live inside your patient records
Every transaction taken with Pabau Pay flows straight into your Pabau Wallet, the hub inside your practice management system. Billing, invoices and patient records update in real time. You control when you get paid, with payouts to your bank on a daily, weekly, monthly or manual schedule.
Built for clinics, not IT departments
Every payment method
Visa, Mastercard and American Express, plus Apple Pay, Google Pay and Klarna. Clients pay in full or spread the cost.
Take payment anywhere
Card terminal at reception, Tap to Pay on iPhone in the treatment room, payment links by SMS or email, and online checkout.
No manual reconciliation
Payments, invoices and patient records sync automatically. No double entry, no end-of-day matching between systems.
You control payouts
Schedule payouts daily, weekly or monthly, or request them manually. Full visibility of transactions in one place.
Secure by design
PCI DSS compliant, with tokenised card data, strong authentication and built-in fraud and risk tooling.
Live in minutes
From unboxing to your first payment in as little as 10 to 15 minutes. No complex hardware integration.
Transparent, market-leading rates
Low fees achieved through bulk-negotiated processing. Card present is your in-clinic terminal rate. Card not present covers online bookings, invoices, payment links and stored cards.
| Card present — in-clinic terminal (debit) | 1% + £0.20 |
|---|---|
| Card not present — online, links, invoices | 1.5% + £0.20 |
| UK credit cards (added to core rate) | +0.2% |
|---|---|
| American Express (UK and non-US regions) | +2.5% |
| Cross-border cards (issued outside the UK) | +1.1% |
| Klarna — all-inclusive, not charged on top of card fees | 5.99% + £0.35 |
|---|
American Express is optional. If you would rather not accept it, we can switch it off on your account so those cards are declined and the surcharge never applies. A minimum service fee of £1 applies to every transaction, regardless of value. All rates are indicative; underlying network, interchange and card scheme costs may vary by card type, issuer and region.
What it costs to take and bank £1,000
This is the complete cost, processing plus payout, on a single £1,000 card-present transaction. Debit is your everyday rate. Credit and Amex carry the surcharges shown above. Payout is charged once per payout, so batching reduces the fixed element.
| Card type | Processing | Payout | Total |
|---|---|---|---|
| Debit | £10.20 | £1.34 | £11.54 |
| UK credit | £12.20 | £1.34 | £13.54 |
| Amex | £35.20 | £1.34 | £36.54 |
Processing = card rate plus £0.20 fixed, plus any surcharge. Payout = 2 credits plus 0.12% of the payout value, priced at £0.07 per credit. On debit this is an all-in cost of roughly 1.15%.
How the payout charge works
Each payout you request, automatic or manual, is charged as 2 Pabau Credits plus 0.12% of the payout value, converted to credits and deducted. Credits cost up to £0.07 each and less at higher volume.
Example: £1,000 payout
Assumes a credit price of £0.07. Your effective cost falls as your credit purchase volume rises.
The percentage cost falls the larger each payout is, since only the 0.12% element scales while the 2-credit fixed charge stays flat. Batching payouts weekly rather than daily reduces the number of fixed charges you pay. All figures exclusive of VAT.
Running costs
All prices shown are exclusive of VAT. UK fees are subject to 20% VAT.
The fine print
- —All fees shown are exclusive of VAT unless stated otherwise. UK Pabau Pay fees are subject to 20% VAT, added at the prevailing rate.
- —Rates are indicative. Network fees, card scheme fees, interchange fees and other third-party payment costs may fluctuate and are subject to variation.
- —The Card Not Present fee is a commercial Pabau Pay platform and payment services fee, separate from underlying third-party payment costs.
- —Pabau Pay requires a minimum balance of 1,000 credits with auto top-up enabled to ensure uninterrupted processing.
- —The price of Pabau Credits varies with purchase volume. Higher volumes reduce the per-credit cost.
- —All matters relating to fees are governed by UK jurisdiction. Full terms apply as set out at pabau.com/terms-of-use.
Ready to switch on Pabau Pay
Accept this proposal and our team will be notified straight away to set up your account and ship your terminal.
Accept proposalQuestions first? Contact Thiago Muffo · [email protected]