BriizPay vs Crezco

Crezco is pay-by-bank for invoices and bills, built around Xero and accountants. BriizPay is pay-by-bank for the counter: QR codes, payment links, receipts and tips, with apps for the till and the van.

Crezco rates checked September 2026 from published pricing. BriizPay prices shown live.

Crezco	BriizPay
Receiving payments: £12 a month (Basic receivables tool, from February 2026) Domestic pay-by-bank payments: free per payment Paying bills: £20 a month International (SWIFT): £6 per bill plus bank charges	Free: £0/month, £0.60 per payment Starter: £24.99/month, 60 payments included, then £0.49 Growth: £49.99/month, 250 payments included, then £0.39 Percentage of your sales: none, on any plan
Hardware: None; invoice links and QR on invoices	Hardware: none, customers pay with their own phone
Contract: Monthly subscription	Contract: none, cancel anytime
Settlement: Bank to bank over Faster Payments	Settlement: bank to bank over Faster Payments, typically in seconds

What Crezco offers that BriizPay does not

Deep Xero and accounting integration; if your payments are emailed invoices, it is a strong, cheap tool.
Bill payment and payroll flows BriizPay does not offer.

Common questions

Should I use Crezco or BriizPay?

They solve different problems with the same rails. If you invoice from Xero and wait for bank transfers, Crezco is built for that. If you take payments face to face, with a QR at the counter or a link in a chat, plus receipts, tipping and a mobile app, that is what BriizPay is for. Some businesses use both.

Try it on your own takings

Every account starts on the Free plan and your first 3 payments are free, so you can see a payment land before paying anything.