What is The Payment Exception Service?

The Payment Exception Service is a way for people who do not have a bank account to collect benefit or pension payments. They’re only available in very limited circumstances.

Payment Exception has replaced Simple Payment. Contact the office that pays your benefit if you used Simple Payment and have not received a letter about moving to the new service.

How to get your money

You may be sent a payment card. You can use this to collect your payment from any PayPoint outlet that offers the Payment Exception Service.

If you do not have a card you’ll be sent either:

  • a voucher by email
  • a text message with a unique reference number

To collect a payment, show your card, voucher or text message at the PayPoint outlet. You can find PayPoint outlets in your local newsagents, convenience store or supermarket.

Find a Payment Exception Service point near you.

You must claim your payment within 30 days of it being sent to you.


How much money you can collect?

There’s a limit of £100 for each payment collection you make. You may have to make more than one collection at a time to get the full amount you’re owed.

Proving your identity

You’ll need to show one original document as proof of your identity – copies will not be accepted.

For example you could use a:

  • valid UK photo or paper driving licence
  • current passport
  • current gas, electricity, water or landline phone bill (less than 3 months old)
  • council tax bill
  • tenancy agreement


Adviceline: (free)


*Adviceline is open 9am until 5pm Monday to Friday