Paybacker reads your bank and inbox, drafts complaint letters citing the exact UK statute, and runs every dispute end-to-end — through provider escalation and Ombudsman if needed. Solicitors charge £250/hour. Claims firms take 30%. We charge £4.99/month and you keep every penny we win back.
No gamified streaks. No vague “up to” claims. These are the sector benchmarks we’re built around — grounded in UK consumer protection law.
Most UK households are overcharged by £1,000+ a year. Paybacker finds it, disputes it, and cancels it — in minutes, not hours on hold.
Draft a UK-law-cited complaint in 30 seconds.
Type one sentence — Paybacker writes the formal letter, cites the exact regulation, and sends it on your behalf.
Every citation verified today against legislation.gov.uk, GOV.UK and Find Case Law. See how →
A solicitor takes a week to reply to email. Your Paybacker caseworker is on chat 24/7.
It tells you when a dispute is ready to send, when the company replies, and when the 8-week Ombudsman clock hits. Tap to approve. Done — no chasing, no hold music.
A daily cron checks every UK statute and regulator citation in our library against the canonical source, recovers dead URLs, and flags anything stale — before a letter ever leaves your inbox.
Every account, every bill, every trend — in one view.
Connect your bank via Open Banking (Yapily, FCA-authorised). Read-only, bank-grade, never stored longer than needed.
Every fixed outgoing — surfaced, sorted, cancelled with one tap.
Auto-detects every subscription, direct debit and recurring charge. Flags price rises, duplicates, and forgotten trials. When you're ready to walk away, we draft the letter, address it to the right team, and track their reply in Disputes for you.
Live-sync to Google Sheets. Or one-shot CSV, Excel, PDF.
Your money is your data. Export it anywhere — including live spreadsheets that update as your bank moves.
Two flats. 35 days and 17 days without broadband. The provider offered roughly 1.5 months’ service charges as “goodwill”. Paybacker cited the Ofcom Voluntary Automatic Compensation Scheme — £10.07 per calendar day from day three of an outage — plus £31.19 per missed engineer appointment. The gap is £398.50.
Pro is £94.99/year. The gap on this one case alone (£398.50) is more than 4× the cost of a year’s Pro membership — recovered from one outage, one letter, one click.
The same dispute, three ways to run it. Same UK statutes cited. Wildly different price tag.
Paybacker is not a law firm and AI-generated letters are guidance, not legal advice. For complex litigation, instruct a solicitor. For everyday consumer disputes — broadband, energy, parking, flights, faulty goods — paying £250/hour is the part we’re replacing.
You don’t have to connect anything to see it work. Try the Disputes Centre for free — no account needed.
Pick the category, type a sentence. We cite the law, you send the letter.
Open Banking via Yapily. Read-only. Never stored longer than needed.
Watchdog reads the provider’s reply, escalates after 8 weeks if needed, and tracks every step. You keep 100% of what we recover.
How Paybacker beats every single incumbent.
| Feature | Emma | Snoop | Lunchflow | Resolver | Which? | Paybacker |
|---|---|---|---|---|---|---|
| Bank sync (Open Banking) | ✓ | ✓ | ✓ | — | — | ✓ |
| Subscription flagging (hike/dup/unused) | Basic | Basic | — | — | — | Full |
| Legal-grade dispute letters | — | — | — | Templates | Guide | AI + law |
| UK consumer law library cited | — | — | — | Partial | Partial | 5+ statutes |
| WhatsApp + Telegram Pocket Agent | — | — | — | — | — | ✓ |
| Live Google Sheets export | CSV only | — | ✓ | — | — | ✓ two-way |
| Switch-deals that beat your bill | Generic ads | Generic | — | — | Guide only | Personalised |
| User in control (no auto-sent emails) | ✓ | ✓ | ✓ | Semi | ✓ | ✓ |
Based on publicly listed features as of April 2026. Spot something we’ve missed? Email hello@paybacker.co.uk.
We earn a commission if you switch — you pay nothing extra, and we stay free to use.
The Paybacker MCP server gives Claude direct read-only access to your transactions, hikes, and savings opportunities. Available on Pro.
Most UK households are overcharged by £1,000+ a year. We find it, dispute it, and cancel it — in minutes.
No card. Cancel anytime. Your data stays in the UK.