What is PonchoPay?

PonchoPay is a secure payment service that allows you to pay for your FUNDA bookings using Tax-Free Childcare (TFC).

When making your payment, simply select PonchoPay and then choose Tax-Free Childcare.

If you have enough funds available in your Tax-Free Childcare account, you can use TFC Express Checkout for a quick and easy payment.

Before You Make Your Payment – Link FUNDA to Your Tax-Free Childcare Account

If you haven't already added FUNDA as your childcare provider to your Tax-Free Childcare account, you will need to do this before making your payment.

Search for FUNDA using the following postcode:

📍 BB12 0AN

💡 Please don't worry if the location shows as Burnley.

This is correct. All FUNDA sites are linked to the same bank account, and Burnley is our main account used for Tax-Free Childcare payments.

Once you have added FUNDA as your childcare provider, you will be able to use your Tax-Free Childcare reference number when making your payment.

How to Pay Using Tax-Free Childcare Through PonchoPay

Step 1 – Go to checkout

Once you have selected your FUNDA booking, proceed to the checkout.

You will see the total amount you need to pay.

Enter or check your email address. This is the email address that will be used to send your payment receipt.

Step 2 – Select Tax-Free Childcare

Select PonchoPay as your payment method and then choose:

Tax-Free Childcare

You will then be asked to select the child or children you are making the payment for.

Select the correct child or children and agree to the terms and conditions.

Then select:

Express Checkout

Step 3 – Connect your Tax-Free Childcare account

Already connected your account?

If you have used PonchoPay to make a Tax-Free Childcare payment before and have already connected your account, your Tax-Free Childcare information should load automatically.

You should be able to see:

Your available Tax-Free Childcare balance
Your Tax-Free Childcare reference code

Check that the details shown are correct.

You can then select:

Pay Now

Connecting your account for the first time

If you have not previously connected your Tax-Free Childcare account, select:

Connect

You will be asked to sign in to your HMRC Tax-Free Childcare account.

Once your account has been successfully connected, the option will change to:

Pay Now

You should only need to connect your account once, making future Tax-Free Childcare payments quicker and easier.

Step 4 – Verify your payment

Before your payment can be completed, you will need to confirm your identity and give consent for the payment.

HMRC will send you a six-digit verification code.

Depending on how your Tax-Free Childcare account is set up, you may receive this code by:

Email
Text message (SMS)
Telephone

Enter the six-digit code into the pop-up that appears within PonchoPay.

Then select:

Submit Code

Step 5 – Your payment is processed

Once you have submitted your verification code, PonchoPay will complete the rest of the payment process for you.

PonchoPay will:

Connect to your Tax-Free Childcare account.
Check that you have sufficient funds available.
Process the payment from your Tax-Free Childcare account.
Send the payment to FUNDA.

You do not need to make a separate payment to FUNDA once this process has been successfully completed.

Step 6 – Payment confirmation

Once your payment has been successfully processed:

You will receive a payment receipt by email.
FUNDA will receive notification that your payment has been completed.
You will be returned to the FUNDA booking system.

We recommend keeping your payment receipt for your records.

Frequently Asked Questions

Do I need to connect my Tax-Free Childcare account every time?

No. Once you have connected your account through PonchoPay, your Tax-Free Childcare information should load automatically when you make future payments.

How will I receive my verification code?

Your six-digit verification code is provided by HMRC.

Depending on your Tax-Free Childcare account settings, it may be sent by email, text message or telephone.

What happens if I don't have enough money in my Tax-Free Childcare account?

The payment cannot be completed if there are insufficient funds available in your Tax-Free Childcare account.

You will need to make sure there are enough funds available before attempting the payment again.

Where do I find my Tax-Free Childcare reference number?

Your Tax-Free Childcare reference number can be found within your Tax-Free Childcare account.

You may need this when making your payment through PonchoPay.

Why does FUNDA show as Burnley when I search for the childcare provider?

This is correct.

When adding FUNDA as your childcare provider, please search using the postcode:

BB12 0AN

The location may show as Burnley because this is FUNDA's main account used for Tax-Free Childcare payments.

All FUNDA sites are linked to the same bank account for Tax-Free Childcare payments.

Will I receive confirmation that my payment has been made?

Yes. Once the payment has been successfully processed, you will receive a payment receipt by email.

FUNDA will also receive notification that the payment has been completed.

I am having trouble making my payment. What should I do?

If you are experiencing difficulties with your Tax-Free Childcare payment through PonchoPay, please contact the FUNDA Head Office on 01282 525 200 or email our office team ([email protected]) .

When contacting us, please provide as much information as possible about the issue you are experiencing so that we can assist you as quickly as possible.

Further Help

For full guidance from PonchoPay on using Tax-Free Childcare Express Checkout, please see:

How to Pay for Your FUNDA Booking Using Tax-Free Childcare (PonchoPay)