# Payr Referral Code

> There is no joining bonus here: the £30 goes to whoever invited you. What a new tenant gets is the service — rent on a card, including Amex — at a certain 1.99% cost per payment.

- You get: Rent on your card
- Sector: Rent & Bills
- Reward (new joiner): Pay rent by card, including Amex
- Code: `Og5D2OVo`
- Referral link: https://www.payr.com/auth/registration?ref=Og5D2OVo
- Qualifying action: Open an account, pass the identity check and pay rent by card — three completed payments release the inviter's £30
- Time to qualify: Three completed payments, so about three months on a monthly tenancy
- Last checked: 2026-09-21 (September 2026)
- Page: https://topreferrals.co.uk/referrals/payr

Payr lets UK tenants pay rent by Visa, Mastercard or American Express where the landlord or letting agent accepts only bank transfer; the landlord registers for nothing and pays nothing, and receives an ordinary same-day transfer carrying the usual reference. Payr charges a 1.99% payment execution fee on every payment — £19.90 on £1,000 of rent. The invite is one-sided: Payr's in-app programme pays £30 to the person who invited you once you complete three payments, and publishes no joining bonus for the new tenant.

## Rewards
- Referrer: £30 — Paid to the person who invited the new tenant, once that tenant completes three payments. Payr publishes no joining bonus for the new user and none is shown on the sign-up screen reached through a referral link. Figure quoted from Payr's in-app Invite a friend screen; no public referral terms are published.

## How it works
1. Open Payr through the link and enter your tenancy details.
2. Upload the tenancy agreement and clear the identity check — start this well before rent is due.
3. Add a Visa, Mastercard or Amex card, plus the landlord's bank details and your usual payment reference.
4. Check the total with the 1.99% fee before confirming; Payr charges the card and sends an ordinary bank transfer the same day.

## Eligibility
UK tenants paying a landlord or letting agent. You create the account, supply personal details, upload your tenancy agreement and pass an identity check before adding a card. The landlord or agent needs no account and is charged nothing. The 1.99% fee applies to every payment and appears in the total before you confirm.

## FAQ
**Does a new Payr user get a bonus?**

No. Payr's in-app invite screen reads 'Earn £30 once a friend completes 3 payments on Payr', and that £30 goes to the person who invited you. We opened this link in a clean browser and Payr's sign-up screen shows no new-user offer. What you get is the service, not a bonus.

**What is the fee?**

1.99% of every payment, shown in the total before you confirm. Payr describes it as a payment execution fee covering processing and platform costs, says it is not a surcharge and that it does not vary by card type. That is £15.92 on £800 of rent and £29.85 on £1,500.

**Do the card rewards beat the fee?**

On ordinary earn rates, no. At one point per pound and a point worth a penny, £1,000 of rent returns about £10 of value against £19.90 of fee. The fee is only beaten when points are worth well above a penny each — or when the spending is doing a second job.

**So why would anyone use it?**

Mainly to clear a credit card's welcome-bonus minimum spend, where roughly £60 of fees can unlock a bonus worth several hundred pounds — rent being the largest bill most people have. Secondarily for genuine short-term cashflow, where 1.99% beats an unarranged overdraft or a late-rent charge, provided the balance is cleared in full.

**Does my landlord have to agree?**

No. Payr says the landlord does not need to accept cards or sign up for anything — the card payment is converted into a direct bank transfer, so the rent lands in their account as normal, carrying the reference you entered. Get the reference right and nothing on their side changes.

**Can I use American Express?**

Yes — Payr accepts Amex alongside Visa and Mastercard, and the 1.99% fee does not vary by card type. Amex is the card agents most often refuse, so this is the main reason people look for a service like this.

**Will my bank treat it as a cash advance?**

Payr processes the rent as a card purchase and makes the onward transfer itself, which is not a cash withdrawal. But issuers set their own rules for third-party payment services and can classify or limit them, and a cash-advance classification means interest from day one. Check your card's terms before routing four figures through it.

**Is Payr a bank?**

No — it is a payment platform. It does not hold your money as a deposit; the card is charged and the rent is paid onward the same day. Payr describes 3D-Secure, SSL and TLS encryption, fraud detection and an identity check at onboarding. We could not reach a public terms page on payr.com, so read the terms presented at sign-up rather than any summary, including this one.

## Full review


## What a new tenant gets

Access to the service, rather than a cash welcome bonus.

Payr's in-app invite screen says *"Earn £30 once a friend completes 3 payments on Payr"*, and that £30 goes to the person who invited you. What a new tenant gets is the **service**: the ability to put rent on a card — including American Express — when the landlord or letting agent takes bank transfer only. For the right card, that is a strong proposition on its own.

## How it works for the other side

Nothing changes for your landlord or agent. Payr charges your card, then sends the money on as an **ordinary bank transfer carrying your usual payment reference**, the same day. Payr's position is that the landlord *"doesn't need to accept credit cards or sign up for anything"*, and that there is *"no need to inform them as long as your payment reference is inputted correctly"*.

Two practical consequences: the reference is your responsibility, and the money arrives looking exactly like every previous month's rent.

## The cost, in cash

| Monthly rent | 1.99% fee | Annual cost |
|---|---|---|
| £750 | £14.93 | £179.16 |
| £950 | £18.91 | £226.92 |
| £1,200 | £23.88 | £286.56 |
| £1,600 | £31.84 | £382.08 |
| £2,200 | £43.78 | £525.36 |

Payr's wording: *"Payr charges a 1.99% payment execution fee on each rent payment... It is not a surcharge and does not vary by card type. The total amount, including the payment execution fee, is shown before you pay."*

The fee not varying by card type is genuinely in Payr's favour — Amex usually costs merchants more and is usually surcharged or refused. Here it costs the same as a debit card.

## Does it pay for itself?

Take £1,200 of rent:

- Fee at 1.99%: **−£23.88**
- Points earned at 1 per £1: 1,200 points
- Valued at 1p each: **+£12.00**
- **Net: −£11.88**

At everyday earn rates, **the fee wins**. Payr's own FAQ is refreshingly measured about this — *"Payr's benefits can vary card by card"* — and any page presenting rent-by-card as free points is not doing the arithmetic.

Three situations flip it:

**Clearing a welcome-bonus minimum spend.** This is the real case. A card demanding £3,000 in three months for a large sign-up bonus is hard to hit honestly; three months of £1,200 rent costs **£71.64** in fees and clears it outright. If the bonus is worth several hundred pounds, that is the cheapest qualifying spend available to you.

**A genuine cashflow gap.** Rent on a card ten days before payday costs 1.99% and no interest if cleared in full — cheaper than an unarranged overdraft or a late-rent penalty. It is credit, and it stops being clever the moment the balance rolls over.

**Business tenants.** Payr notes the fee *"may be offset as an expense"* against a business's tax position. Ask an accountant rather than treating a FAQ as advice.

## Before you commit

- **Ask your card issuer how they classify it.** A purchase-to-Payr plus an onward transfer is not a cash withdrawal, but issuers set their own rules for third-party payment services. A cash-advance classification means interest from day one.
- **Onboard early.** Account, details, tenancy-agreement upload, identity check, then the card. Not a rent-day job.
- **Check the reference twice.** It passes straight through to the transfer.
- **Read the terms you are given at sign-up.** We could not reach a published terms page on payr.com, so the version presented at registration is the one that binds you.

## Who this suits

| You are | Verdict |
|---|---|
| Working towards a card sign-up bonus | **Strong** — no cheaper way to move £3,000 of qualifying spend |
| Sitting on an Amex the agent will not take | **Good** — the one job this product exists to do |
| Short for a week most months | **Situational** — beats unarranged-overdraft pricing, if cleared |
| Focused purely on points | **Do the sums** — weigh your card's earn rate against the 1.99% fee |
| Happy with a standing order | **Optional** — Payr is there when the card route suits |

## Where these figures come from

The fee, the landlord-side mechanics, the reference handling, accepted card types, onboarding steps, security measures and same-day payout are all taken from **Payr's own published FAQ**. The £30 figure and its three-payment condition are quoted from **Payr's in-app Invite a friend screen**, as Payr publishes no referral terms page. The absence of a new-user offer was established by opening this referral link directly and reading the sign-up screen. Payr launched its UK rent-payment service in December 2024. Fees and terms are set by Payr and can change without notice; we re-check the link daily and re-read the published FAQ on the verification date above.