How it Works

Setting up PAYE through MAQ Payments is simple, fast, and fully compliant.

Step-1

Apply for PAYE onboarding

Fill out a short form with your personal and income details. Our compliance team reviews your submission within 24 hours to verify eligibility.

Step-2

Receive your digital employment agreement

Once approved, you’ll receive a PAYE contract under MAQ Payments Ltd. This creates your employment record for payroll and payslip processing.

Step-3

Get paid and access verified payslips

We process your income through our UK PAYE system. You’ll receive official payslips, tax deductions, and proof of income — all accepted by UK lenders, landlords, and agencies.

Who it’s for

MAQ Payments is designed for legitimate UK freelancers and contractors who want verified PAYE and payslips without the hassle of running a company.

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Perfect for

  • Freelancers and sole traders
  • Personal trainers and coaches
  • Consultants, creatives and contractors
  • Anyone needing payslips for mortgages, rentals or credit checks

Not suitable for

  • Individuals without verifiable income
  • Unregistered or untaxed work
  • Anyone seeking to misrepresent employment status
  • Non UK residents

If your work is legitimate and you operate independently, MAQ Payments can securely handle your PAYE and issue compliant payslips every month.

Frequently asked questions

Do I need to have a limited company?

No. MAQ Payments works with both freelancers and sole traders who operate independently within the UK.

Is this a legal PAYE setup?

Yes. Every user is issued an employment agreement under MAQ Payments Ltd, with payroll processed through HMRC-recognised software.

Will I pay tax and National Insurance?

Yes. Deductions are automatically handled through PAYE each time payroll is run, just like a standard employer setup.

How quickly will I receive payment?

Payments are processed via the UK Faster Payments network and typically clear the same business day once payroll is approved.

Can I stop using the service anytime?

Yes. You can cancel or pause your PAYE setup at any point — there’s no long-term commitment.

Will my payslips be accepted by banks or lenders?

Yes. All payslips, P45s, and P60s are issued through HMRC-verified payroll systems and are accepted as official proof of income.

How do you verify my income?

We’ll ask for simple proof — such as invoices, payment screenshots, or statements — to confirm your earnings before processing payroll. This keeps everything compliant with HMRC guidelines.

What if my income varies each month?

That’s completely fine. Your PAYE can be adjusted month to month based on what you earn. You’ll only be taxed on the amount you process through payroll.

Do I get P45s, P60s, and employment references?

Yes. You’ll receive official PAYE documents including payslips, P45s (when you leave), and P60s annually — all compliant with UK payroll law.

Is MAQ Payments an umbrella company?

No. We operate as a Payroll-as-a-Service provider, giving freelancers access to legitimate PAYE and payslips without requiring an umbrella or limited company structure.

Can I still operate as self-employed while using this?

Yes. Many freelancers use MAQ Payments purely for payroll and proof of income while continuing to invoice clients independently.

What happens at the end of the tax year?

You’ll receive your P60, which summarises your total earnings and deductions for the year. You can use this for self-assessment or lender verification if needed.