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What is PayMe - Ask for payment?

This service is available to you if you are a NatWest customer and using the Mobile app. You are able to create a secure, single use request for payment from anyone who uses Online Banking or mobile banking with a participating UK bank and meet their bank criteria for making payment via Digital channel. It means you no longer require their account details to request a payment. It’s quick, safe and secure.

The following steps show you how to use this feature:

  1. Navigate to Payments within your Mobile app
  2. Choose PayMe - Ask for payment
  3. Choose Share link or QR code and follow the instructions to initiate a request for payment

What is Share link?

This service is available to you if you are a NatWest customer and using the Mobile app. You are able to create a secure, single use request for payment. Share link initiates this request for payment and can be used for anyone in your phone contacts who uses Online Banking or mobile banking. It means you no longer require their account details to request a payment. It’s quick, safe and secure.

The following steps show you how to use this feature:

  • Navigate to Payments within your Mobile app
  • Choose PayMe - Ask for payment
  • Choose Share link
  • Enter the name of the person you’re requesting money from (Payer name)
  • Enter the reason for requesting a payment (Reference)
  • Enter how much money you’re requesting (Amount – limit is £250 per request)
  • Select Share your link
  • Choose your preferred messaging application – WhatsApp, email, SMS
  • Your contact will receive a notification within the chosen messaging application
  • Your contact will then be able to click on the link and make the payment direct from their Mobile banking app, straight into your bank account. (Your contact must have an account with a participating bank within the UK and meet their banks criteria for making payments via digital channels)

What is QR code?

This service is available to you if you are a NatWest customer, using the Mobile app. You are able to create a secure, single use request for payment. Choosing QR code initiates this request for payment and can be used for anyone in your presence who uses Online Banking or mobile banking with a participating UK bank and meet their bank criteria for making payment via Digital channel. It means you no longer require people’s bank account details to request a payment. It’s quick, safe and secure.

The following steps show you how to use this feature:

  • Navigate to Payments within your Mobile app
  • Choose PayMe - Ask for payment
  • Choose QR code
  • Enter the reason for requesting a payment (Reference)
  • Enter how much money you’re requesting (Amount – limit is £250 per request)
  • Select Generate your QR code – a single use QR code will be generated
  • If payer is unfamiliar with using a QR code, share the on-screen instructions
  • Select Got it to proceed
  • Share the single use QR code displayed
  • The payer will then be able to scan the QR code with their phone camera and make the payment direct from their Mobile banking app, straight into your bank account. (Your contact must have an account with a participating bank within the UK and meet their banks criteria for making payments via digital channels

Is there a limit on how much money I can request with Share link or QR code?

You can request up to £250 for every payment request you generate.

I've received a payment request - do I need to be a NatWest customer to pay?

No, you don’t need to be a NatWest customer if you are responding to a request. You can pay using Share link or QR code if you are with any major UK bank and have Online Banking or mobile banking. (Your contact must have an account with a participating bank within the UK and meet their banks criteria for making payments via digital channels).

What is Payit™?

Payit™ is a NatWest-owned online payment solution allowing a fast, fair, simple and safe way to pay and get paid. It removes the need to enter card details, passwords or authorisation codes and allows you to make secure, instant payments directly from your bank account, via Online Banking or mobile banking.

How secure is PayMe - Ask for payment?

PayMe - Ask for payment is provided by PayitTM, a NatWest-owned online payment solution. It uses the UK's Open Banking infrastructure to securely connect to your Bank's online or mobile banking, allowing you to log in using your existing credentials. Payit does not see your login credentials, nor does it store or share any of your personal bank account information.

More details on Open Banking (opens in a new window).

Can a payer use the Link on a browser to make the payment, or are mobiles and tablets only allowed?

Yes, payers can use desktop to make a payment on a web browser, although the journey will be even smoother on a mobile. Payer will need to sign into their online banking when they click on the link when using web browser.

My transaction has been held – why is this?

Sometimes transactions may be held by your Bank to carry out some further checks. You can check your Online Banking or mobile banking to see if the payment was released by your Bank, or alternatively contact them through your usual channels.

I tried to make a payment via Share link/QR code, but the transaction did not go through. How do I know if the funds have been taken?

If you’ve been advised that your payment was cancelled or failed, then no funds should have been taken. If your payment is in progress or you are unsure if it was successful, we suggest you wait for a few hours, then check your Online Banking or mobile banking again to see if the transaction has gone through. If there is still an issue, please contact your Bank.

My Bank is not listed – can I still use Share Link/QR Code to make a payment?

We have already connected to a number of major UK banks and the list of banks we offer is always growing. If you receive a secure, single-use request to pay link or QR Code in the future, your bank might have been added to the list, so please keep checking.

Current banks available include:

  • NatWest
  • Royal Bank of Scotland
  • Ulster Bank
  • Barclays
  • Santander
  • Lloyds Bank
  • Halifax
  • Nationwide
  • Bank of Scotland
  • HSBC
  • First Direct
  • Marks and Spencer
  • Monzo
  • Revolut

I generated a Share link and its status appears as Active in Transaction History – what does this mean?

The Active status means that the secure, single-use request to pay link generated has either not been sent or accessed by the payer yet. Depending on your preference, you will be able to resend the secure, single-use request to pay link.

I generated a Share link and its status appears as in-Progress in Transaction History – what does this mean?

The In-progress status means that the payer has initiated the payment by opening the secure, single-use request to pay link and is in the process of making the payment.

I generated a Share link and its status appears as Payment Processing in Transaction History – what does this mean?

The Pending status means that the payer has completed their payment and is waiting for their Bank to process the payment.

I generated a Share link and its status appears as Complete in Transaction History – what does this mean?

The Complete status means that the Payer’s bank has completed the money transfer and payment should now appear in your account.

I tried to make a payment using a Share Link/QR code but I received a message saying the payment failed – why was this?

There could be a number of reasons why your payment failed. Please contact your Bank who can investigate and provide further details to you.

I tried to make a payment via a Share link sent a few days ago, but I've received a message saying the link has expired. What can I do?

A secure, single-use request to pay link is only valid for 5 days from the day it is generated. Please contact the requestor asking them to send you a new secure, single-use link, if you would like to still make the payment.

I am not a NatWest customer, can I still use Payment link and QR Code to request payments?

Payment link and QR code are for NatWest customers who use online or mobile banking only. If you bank with another high street bank, you won’t be able to request payments via these services, but you will still be able to make payments if you’ve received a secure, single-use request to pay link or QR code from someone else.

You can find more information on how to switch to a NatWest account on our Switch Bank Accounts (opens in a new window) page.

How long does it take to receive a payment via Share link or QR code?

Share link and QR code uses Faster Payments for single immediate payments. The majority of transactions are completed within 3.5 seconds, however please allow for up to 2 hours.

Can I share the same Share link/QR Code with multiple people to request money?

Each secure, single-use request to pay link/QR code can only be used once. After a payment is successfully made, the Share link/QR code is no longer valid. If you would like to request a payment from more than one person, you will need to generate a separate Share link/QR code for each payment.

I scanned a QR code and tried to make a payment, but received a message saying the QR code had expired. Why was this?

A QR code is valid for 5 minutes from the time it is generated. Please ask the requestor to generate a new QR code should you want to still make the payment.

Can I send the QR code via a messaging application to ask for a payment?

QR code is designed to request a payment from someone face to face. We would encourage you to request a payment via Share Link should you want to send a request via a messaging application.

Is there a limit for the number of Share link/QR Code payments I can send in 1 day?

Currently there is no limit to the number of Share link/QR Code requests sent in 1 day. You can send unlimited payments in 1 day also.

What should I do if I suspect that a Share link request message is fraudulent?

If you have any concerns please contact your Bank. For suspicious text messages, these should be forwarded to 88355*.

* This is not a premium rate number, standard network rates apply, please contact your network provider for more information on charges.

Are Share link and QR code free to use?

NatWest will not charge you to request or make a payment via Share link or QR code, they are free services.

What happens if I experience any errors?

If you experience any of the below

  • I keep getting a fault when I'm trying to make or receive a payment
  • I can't get any further than the bank selection screen
  • The journey has timed out
  • I’m getting error messages in the journey

We suggest you wait for a few hours, then check your online or mobile banking again to see if the payment has gone through. If there’s still a problem, please contact your Bank straightaway.