Business spending made simpler with digital wallet payments

Streamlining how your business runs day to day is always a priority. When you're managing regular business spending—covering everything from stock orders to supplier payments and everyday operational costs—how you pay matters just as much as what you buy.

That’s why you can now add both your FlexiPay and Cashback credit card to Apple Pay and Google Pay for a faster, more secure way to pay with your phone. It lets you quickly manage your spending on-the-go, wherever Visa’s accepted.

You’ll get the speed you need and the security to match. From fast payments to keeping your details safe, each one’s built to make day-to-day business easier so you can manage costs on your own terms.

Tap now, plan later with FlexiPay

We know that businesses often face expenses at the worst time. The printer breaks. Stock runs low. A supplier offers a last-minute discount. In those moments, scrambling for your card or moving funds between accounts often gets in the way.

With FlexiPay in your digital wallet, you can get what you need right away with just a tap of your phone. Then, once everything calms down, decide how you want to repay. Split the cost into flexible 1-12 month instalments on the app, without dipping into your all-important cash reserves.

When timing can make or break your plans, having freedom counts. You’re able to keep your working capital focused on what matters most, while spreading larger payments with the ebbs and flows of your cash flow.

Built-in protection, even when you’re moving fast

When business picks up, it’s easy for security to take a backseat. But with FlexiPay and the Cashback card in your digital wallet, every transaction’s automatically covered by biometric verification. No card details are ever shared with the merchant, which means you’re shielded from the growing risk of digital wallet fraud.

If you ever need to pause your card, freezing it from the Funding Circle app instantly locks the digital version too. The moment you unfreeze it, it’s ready to use again — there’s no need for long-winded calls or complex forms.

You get peace of mind when you’re managing multiple expenses across different people, devices and locations. It also means employees using additional cards can pay securely without exposing your details or company funds.

Every tap pays you back with the Cashback card

Running a business can be a rewarding experience, and now it literally puts in the work every time you pay. With the Cashback card in Apple Pay or Google Pay, you’ll earn 2% cashback on every purchase for 6 months, up to £2,000 (with 1% uncapped after).

It’s a simple way to turn everyday spending into rewards. Whether it’s a quick coffee or new stock for the shelves, every purchase earns you money back right off the bat.

And because your phone’s always with you, you’ll never miss a chance to benefit. Left your wallet in the office or on-the-move between meetings? A quick tap keeps the rewards rolling in.

Simplicity that saves you time

Adding your card to your digital wallet only takes a few taps, and you can do it from either the Funding Circle app or directly in Apple Wallet or Google Wallet.

1. Open the ‘Card’ tab in your Funding Circle app
2. Click the 'Add to wallet' button
3. Follow the prompts and you're done.

Once it’s there, you can use it anywhere you see the contactless symbol. Payments land straight away and your card dashboard updates automatically. Simple. There’s nothing new to remember. It’s the same Funding Circle experience, only faster.

It’s the sort of small change that makes everyday payments feel effortless. And when you’re juggling orders, invoices and regular reporting, those seconds add up.

The smarter way to manage spending

FlexiPay and the Cashback card are built to make spending easier. FlexiPay gives you room to flex when costs pile up, letting you buy what you need and manage repayments however you like.

The Cashback card keeps the everyday spend working in your favour, earning market-leading rewards on each purchase. Whether you’re smoothing out expenses or earning something back, both make paying by phone easy, fast and secure.

Stay agile and in control

Costs often shift without warning. New expenses have a way of rearing their ugly head when budgets are already tight. Paying through Apple Pay or Google Pay with FlexiPay or your Cashback card keeps your spending steady and secure, so you can focus on what matters most. You’ll feel the benefit of keeping things simple all year round.

25/02/26: While we want to help as much as we can, the information found here is provided solely for informational purposes and should not be considered financial or legal advice. To the extent permitted by law, Funding Circle does not accept any liability for any loss or damage which may arise directly or indirectly from the use of, or reliance on, the information contained here. If you have any questions, please speak to your professional adviser or seek independent legal advice.