Paybacker bridges the gap. We help normal working people save money proactively — spotting the overcharges, silent price rises and forgotten subscriptions that a solicitor would never be worth hiring for, and fighting them with AI-drafted letters that cite UK consumer law.
Paybacker exists because suppliers have been getting away with it for years. The overcharges are individually too small to hire professional help for, and collectively too big to ignore. We built the bridge.
Suppliers have been getting away with unfair bills, silent price rises, and forgotten subscriptions for years. The only real recourse is formal action — and professional help costs more than the overcharge. So most people do nothing.
A £47 broadband anniversary rise. A £12/mo gym you cancelled in January. A mid-contract price hike you didn’t agree to. Individually not worth fighting. Collectively, over £1,000 a year for a typical UK household.
AI can read the Consumer Rights Act. It can draft the letter. It can cite Ofcom General Conditions by section. The expensive part of fighting back — the reading and the writing — becomes cheap.
We open the doors to everyone. Free tier for occasional disputes, £4.99/mo for people with a few bills to watch, £9.99/mo for households who want the full sweep. 0% of any refund. Ever.
We’re the layer between you and the companies that bank on you not bothering. Small team, big backlog, and a simple belief: working people shouldn’t need a solicitor to get their own money back.
Every letter cites the specific statute or regulation. Consumer Rights Act 2015, Ofcom General Conditions, Ofgem Standard Licence Conditions — no vague "we think this is unfair."
Read-only bank sync via Yapily (FCA-authorised). ICO registered. We never sell, rent, or train models on your transactions. Export or delete everything in one click.
A £7.99/mo forgotten sub is £96/yr. Four of those is a holiday. We go after the small stuff, because nobody else will.
£0 or £4.99/mo flat. We take 0% of your refund. Your win is your win — keep every penny.
Every year the same thing. Broadband goes up £8 a month without warning. The gym charges me for three months after I cancelled. An energy bill arrives that doesn’t match a single reading I’ve ever given them. A parking ticket I didn’t deserve. A flight cancelled with no refund offered until I make noise.
Every single one, I’d sit on hold for 45 minutes, get handed round four call-centre agents, and be told “that’s just how it works.” It’s notjust how it works. Half the time what they were doing was flat-out against UK consumer law. But the only way to actually fight back was to pay a solicitor £250 an hour to write a letter that might recover £47.
So the system quietly runs on that maths. Companies know most people won’t bother. They know taking formal action costs more than the overcharge. They know you’ll sigh, tick the direct debit, and let them have it. And that adds up to over a grand a year for a typical household — silently siphoned off by people banking on you being too tired, too busy, and too polite to push back.
I was done with it. AI can now read the Consumer Rights Act faster than any paralegal, cite the exact statute, and draft a letter that makes a supplier take you seriously in 30 seconds. The expensive part of fighting back — the reading and the writing — just got cheap. So I built Paybacker to pass that power back to people like me, who were tired of being the ones paying for everyone else’s convenience.
We’ll never take a cut of your refund. Your win is your win. We just want it to start happening a lot more often.
— Paul, founder · Paybacker
Paybacker LTD is a privately-owned UK company, incorporated in London in March 2026. Company number 15289174, registered in England & Wales. We’re a small team and keep it that way on purpose — every feature we ship is reviewed by a human who actually uses it to fight their own bills. If you want to talk to us, hello@paybacker.co.uk goes straight to the inbox.
Free forever for occasional disputes. Paid plans from £4.99/mo — 0% of your refund, any tier.
No card. Cancel anytime. Your data stays in the UK.