For businesses
Every way to take payments. One partner, one person to call.
Card machines, Tap to Pay, online checkout, payment links, Direct Debit, subscriptions and invoicing, from one UK provider with an account manager. On two or three providers today? Putting them with one partner is usually cheaper, and it is always clearer.
Everything you can take payments with
One partner and one account manager, whichever of these you use. Pick the ones that match how you sell; nothing here requires the others.
Taking the payment
- Card machines and terminalsCountertop, portable and mobile, supplied and supported by us
- Tap to Pay on your phoneNo hardware: the phone in your pocket is the card machine
- Online checkoutCard and wallets on your website, against our SDK
- Payment methodsCards, Apple Pay, Google Pay, Direct Debit and bank transfer
Getting paid on time
Nobody chose this setup. It accumulated.
A terminal came with the till. The website checkout was whatever the web developer plugged in. The Direct Debits went through a bureau because that was the only thing that worked at the time. Each decision was reasonable on its own day.
What it adds up to is three statements that describe the same month, three support numbers, three sets of terms with different notice periods, and no single number for what payments actually cost the business. The first useful thing we do is work that number out with you, from your own statements, before anybody talks about switching.
Start with how you sell
The argument is different depending on how the money comes in, so it lives on three separate pages rather than being averaged into one.
I take payments in person
A device that stays up when the room is full, tips that reach your staff under the 2024 rules, and an account manager to ring on the night rather than on Monday.
See how it works →I sell through my website
Lower cost on every transaction with no change to your checkout and no migration. Your developer builds against our SDK, with a payments engineer on hand.
See how it works →I sell in a shop and online
The case where consolidating pays for itself, because your combined volume prices better than either half did on its own.
See how it works →One partner
Every channel with one partner
Card in person, card online, Direct Debit for the recurring side and payment links for everything else, all on one merchant account settling to one bank account. One partner means you can finally get a straight answer on what payments cost, which is the question that started this.
The app puts the same picture on your phone: what came in today, what has settled, what is due and when.
- One merchant account across in person, online and recurring
- One rate conversation, not several
- Real-time view on the app, with settlement dates
- Automated reconciliation, with references attached to payments
- One account manager for the whole setup
The weight
The checks happen before you go live.
The failure mode that costs a business real money is not the rate, it is a provider deciding a normal week looks unusual and sitting on the money while you wait. We underwrite how you actually trade before you start, including the seasonality and the ticket sizes, and state the arrangement in writing rather than adjusting it after the first busy month.
When a customer disputes a payment, that comes to us by name, not into a queue.
- Underwriting done up front, against how you really trade
- Seasonality expected, not investigated
- Disputes and chargebacks handled here, by name
- Next day replacement if a terminal fails on a trading day
Questions from businesses
Then the useful conversation is about when, not whether. Bring the agreement to the call and we will tell you what it actually costs to leave and when the notice window opens. If the sensible answer is to wait eight months, we will say that.
It depends on your volume, your card mix and what you are paying now. Our standard rate is on the pricing page, so you can set it against a recent statement. We can also take last month's statements and price the same month, line by line, so the comparison is on your numbers rather than an average.
No, and usually you should not. Most businesses move one channel first, keep the other running, and consolidate at the next renewal once they have seen the statements side by side.
Mandates can usually be migrated rather than re-signed by every customer, which is the part people expect to be painful. It is not automatic and it is not instant, so it gets planned rather than promised: we will tell you on the call what your specific setup allows.
Start taking payments
Two short steps, no password. Online businesses get test credentials straight away; in-person businesses see their price and choose their terminals as they go. Rather compare first? Bring your statements and we will price the same month, line by line.