Business money management, built around hospitality.
Bring your UK business receipts, supplier payments and day-to-day account information into one planned GBP service. Designed for eligible UK hospitality businesses, with clear pricing, domestic payment functions and transparent account information.
Receive → Manage → Pay
Receive
Faster Payments, Bacs Direct Credits and incoming CHAPS
Manage
Balances, receipts, payments and statements
Pay
UK suppliers, employees and recurring bills
80% discount throughout the pilot
BUSINESS ACCOUNT · DURING THE PILOT
£2 per customer / month
Selected pilot customers pay £2 per customer per month. Standard subscription: £10 per customer per month after the pilot.
INCOMING CHAPS · DURING THE PILOT
£3.60 per credited payment
Incoming CHAPS is £3.60 per successfully credited payment during the pilot, or £18 at the standard tariff.
OPTIONAL SAVINGS · DURING THE PILOT
Up to £0.40 per open account / month
Optional savings has a separate capped fee of up to £0.40 per open account per month during the pilot, or up to £2 at the standard tariff.
Planned; not currently available
No minimum subscription term or early-exit fee. Account and payment limits apply. See full pricing and pilot terms.
Receive. Manage. Pay.
Receive the money your business earns
Receive domestic Faster Payments, Bacs Direct Credits and incoming CHAPS. Supported settlement receipts from your separately appointed card acquirer can form part of your business payment activity. Digital Capital does not provide the acquiring service itself, and the payment route used by your payer or acquirer matters: incoming CHAPS has a separate receipt fee.
01 Receive
✓ Faster Payments
✓ Bacs Direct Credits
✓ Incoming CHAPS, with a separate receipt fee
✓ Settlement receipts from your separate card acquirer
02 Manage
✓ Available balances
✓ Incoming receipts and outgoing payments
✓ Statements
✓ Authorised users within the agreed configuration
See the account information you need
Review available balances, incoming receipts, outgoing payments and statements. Additional enabled payment accounts and authorised users have no additional Digital Capital charge within the agreed configuration. We explain account access and payment limits in good time before you agree to the service.
Keep everyday payments organised
Pay UK suppliers and employees through Faster Payments and manage recurring bills using outgoing Direct Debits. Use permitted transfers between linked accounts and Confirmation of Payee for supported payee checks. A name match is a useful check, not a guarantee that a payment request is genuine.
03 Pay
✓ Suppliers and employees by Faster Payments
✓ Recurring bills by outgoing Direct Debit
✓ Permitted transfers between linked accounts
✓ Confirmation of Payee for supported payee checks
ILLUSTRATION
An illustrative week for a hospitality business
01
Receive a settlement from your separate card acquirer through a supported payment route.
02
Review the receipt alongside other business payments.
03
Pay a food supplier or an employee through Faster Payments.
04
Meet an agreed recurring bill through Direct Debit.
Illustrative workflow. Timing and availability depend on the payment route, account limits and required checks.
Know what protects your money
Digital Capital is an electronic money institution, not a bank. Your e-money balance is a claim on Digital Capital and relevant funds must be safeguarded under applicable law. Safeguarding is different from bank deposit protection: e-money is not protected by the FSCS against Digital Capital’s failure, and an insolvency process can involve delays, costs or a shortfall.
Planned optional savings would be a separate deposit with Griffin, subject to its own terms and eligibility. It is not currently available. Eligible deposits would be protected under the applicable FSCS deposit rules. Read our safeguarding and savings protection information for the distinction.
Support with your business context in mind
Regular email and chat support will be available on UK business days, 09:00–17:00 UK time. Tell us if you need information in another format or assistance from an authorised representative. Before activation, we will explain the separate urgent security and loss-reporting arrangements.
Check that the package fits your business
We assess your business activity, expected payment routes and volumes before activation. A paid subscription may not be suitable for a business with very little account activity, and frequent CHAPS receipts can materially increase the total price. We will explain the relevant limits and charges so you can assess the package against your needs and alternatives.
Questions before joining?
Can I open an account today?
No. Services are not yet available. You can enquire about the pilot; an enquiry does not open an account or guarantee acceptance.
Are card services included?
No. Card issuing, card acquiring, FX, international payments, personal consumer wallets, QR payments and loyalty services are outside the initial package.
Can I leave during the pilot?
Yes. There is no minimum subscription term or early-exit fee. A request to close your overall Digital Capital account during the pilot qualifies for the tariff-fee refund described in our Fees and Limits Schedule.
Tell us about your hospitality business
Share the UK payment activity you expect and the account functions you need. We will respond to your enquiry and explain the next steps.