From company formation to daily operations. Vpayit is the AI partner that handles compliance, tax, payroll, and strategy — so you can focus on building.
Works with your existing bank — no bank switch required
Every year, UK business owners lose thousands and hundreds of hours to compliance that was never designed for them.
Chat, dashboard, and autonomous agents — one system that gets smarter over time.
Chat with Vpayit like a trusted colleague. “Should I register for VAT?” “What’s the most tax-efficient way to pay myself?” Answers based on your actual numbers, not generic advice.
AI ChatDashboard shows revenue, tax estimates, compliance score, and every upcoming deadline. Colour-coded so you know instantly what needs attention. AI highlights risks before they become problems.
DashboardExpense categorisation. Invoice chasing. Payroll prep. VAT return drafting. These run automatically. You get notified when something needs approval — not buried in tasks.
Autonomous agentsPhase 1: Vpayit advises, you decide. Phase 2: Vpayit prepares, you approve with one click. Phase 3: Vpayit files directly, you get notified. You always control the autonomy level.
Trust escalationVpayit doesn’t just answer questions. It learns your business, anticipates your needs, and handles your day — so you can focus on what matters.
Every morning: cash balance, overdue invoices, deadlines, and what needs attention. Personalised to your schedule.
For the first 30 days the AI watches and learns your patterns, habits, and preferences. Then it starts acting automatically.
Expense categorisation, invoice chasing, payroll prep, VAT returns — running silently. You only see what needs approval.
Zero-knowledge architecture. AES-256 encryption. UK-only data residency. Not even we can see your data.
Whether starting fresh or already running, Vpayit meets you where you are.
Never formed a company? We guide you from first idea to fully compliant, running business.
Connect your existing business and let Vpayit take over the admin.
Answer 5 questions. Get a time-sequenced checklist of everything your business must do — and when.
Ask anything about your business. Get answers based on your actual numbers, not generic advice.
Background tasks that run 24/7 — expense categorisation, invoice chasing, payroll prep, VAT drafting.
Every HMRC and Companies House deadline tracked automatically. Nothing falls through the cracks.
AI chases overdue invoices, calculates statutory interest, and escalates persistent non-payers.
Salary vs dividends vs pension. Vpayit monitors your income and suggests the optimal structure.
Connect via Open Banking — read-only. No bank switch required. Works with Barclays, Starling, Monzo, and more.
See how Vpayit stacks up against the traditional alternatives.
| Feature | Vpayit from £49/mo |
Accountant from £150/mo |
Xero / QuickBooks from £15/mo |
ANNA / Tide free tier |
|---|---|---|---|---|
| Company formation | ✓ | — | — | ✓ |
| Proactive AI (comes to you) | ✓ | — | — | — |
| Bookkeeping & VAT filing | ✓ | ✓ | ✓ | ∼ |
| No bank switch required | ✓ | ✓ | ✓ | — |
| Available 24/7 | ✓ | — | ✓ | ✓ |
| Autonomous background agents | ✓ | — | — | — |
| Tax optimiser (salary/dividend) | ✓ | ∼ | — | — |
| Payroll & PAYE (RTI) | ✓ | ✓ | ∼ | — |
| 30-day behaviour learning | ✓ | — | — | — |
| Late payment enforcer | ✓ | — | — | — |
No hidden fees. No per-transaction charges. Cancel anytime.
At 8am every day, your AI Chief of Staff emails you a personalised briefing — cash, compliance, invoices, and what actually needs your attention.
Where are you now?
Get your free morning brief
30 seconds. No spam. Cancel anytime.
From day zero to year ten. One AI partner that grows with you.