Fee Payment
Including PAYM

How to make your fee payment? Having hitherto been very old-fashioned, ie payment only in cash or by cheque, Jonathan has now leaped so far ahead that probably nobody will be able to pay him at all. (Possibly a relief as he's just put up his fees!)

So how to pay him:

  • Cash (there's often a cash machine nearby)
  • Cheque (tried and tested for (?)200 years)
  • Bank transfer - ask for details of his bank account
  • Online, using your debit, credit or Paypal
  • Using Paypal and Jonathan's mobile telephone number
  • With your debit or credit card. NB, there is an extra charge of 4% for this, being the charge made to us by the company we use for both debit and credit card transactions through them.
  • PAYM (pronounced 'Pay Em') via your smartphone. Once you have downloaded an app from your bank, you can pay Jonathan by putting in his mobile (cellphone) number and the amount. Your fee payment is then transferred directly to him. Note: at present this only works with personal accounts handled by the participating banks listed below.

Banks Participating in PAYM

If you have a personal account with one of the following, you should be able to download their 'app' to your smartphone. (I understand that it has to be a smartphone.)

  • Bank of Scotland
  • Barclays
  • Cumberland Building Society
  • Dankse Bank
  • Halifax
  • HSBC
  • Lloyds Bank
  • Santander
  • TSB

Banks joining the scheme soon

  • Clydesdale Bank
  • First Direct
  • Isle of Man Bank
  • Metro Bank (2015?)
  • Nationwide Building Society (2015)
  • NatWest
  • RBS
  • Ulster Bank
  • Yorkshire Bank

Is PAYM Safe and Secure?

Before arranging this method of fee payment, I spoke at length to the Customer Relations department of my bank who assured me that they do not, whatever the app says when you install it, store details of your contacts in their databanks.

Only when you make or receive payments using PAYM will they record the transaction and the contact details.

As to whether the system is secure? Hmmmmm.

However, British Banks do seem to have put in place, as a priority, systems to check on unusual payments. They offer guarantees if things go wrong.

Why Use PAYM for Fee Payment?

  • It's very convenient! 
  • You can't pay out more than £250 per day. 
  • Your money transfers by Faster Payments which means it should arrive within 2 hours: often immediately.
  • No data is stored on your smartphone so if stolen, it reveals no bank accounts details.
  • To use this, you do need a smartphone!
  • For retailers it doesn't require expensive card-readers  and telephone charges. Instead, they'll be able to verify your payment has arrived using their own PAYM app.
  • You can receive payments this way too, although as yet, not from Business Bank accounts.
  • You can split bills, for example if you share a meal with a friend, then there's a way to split the bill. (However, I haven't used this facility yet.)
  • However, you do have to have cash or credit facilities in your account to be able to make the payment. In other words, it won't work if you have no money in the account linked to your mobile phone.

For more details, visit the Payments Council website.


Find an Acupuncturist!

If you live in the Edinburgh area of Scotland, where the author of this site (and of the books described below) works, click on Edinburgh Acupuncturist.

If you live elsewhere, click on BAcC.


Jonathan Clogstoun-Willmott Books

Please note! The Kindle editions are less easy to read! Although the paper editions cost more, they are much easier to read and to refer back and forth to the contents and index. But ... there is no paper edition of Yang Deficiency as yet.

Here are some of the books Jonathan has written:

Qi Stagnation - Signs of Stress

Yin Deficiency - Burnout and Exhaustion

Yang Deficiency - Get Your Fire Burning Again!

Western Astrology and Chinese Medicine



3000 years of Chinese being stressed, and at last, here's a book showing how all that experience can help you!

By the author of this website, it explains in simple English how to use stress to improve and enhance your life.

For the Latest Reviews of 'Qi Stagnation', click here!

NB You can also order 'Qi Stagnation - Signs of Stress' from your bookseller.



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