For shops, bars, cafes and restaurants

Card machines for busy service.

Card payments for the high street: a device that stays up when the room is full, tips that reach your staff, and an account manager to ring when something needs sorting now rather than on Monday.

Nobody on a busy floor has time for a support queue.

A card machine goes down in the middle of service. There is a queue at the bar, a table waiting to pay and a member of staff holding a device that will not connect. What happens next depends entirely on who answers the phone, and with most providers nobody does until Monday.

That is the part of a payments contract nobody reads until the night it matters. It is also the part we built the business around.

Shops, bars, cafes and restaurants are the trades this comes up in most, but the same applies to any business taking payments face to face: salons, garden centres, market stalls, garages, clubs and venues.

When it matters

Support during service, from a person

You get an account manager who knows your setup, not a ticket reference. If a device fails we replace it next day, and devices fall back between WiFi and mobile data on their own so a wobbly connection in a busy room does not stop you taking money.

  • An account manager to ring, not a ticket queue
  • Next-day replacement if a device fails
  • Automatic fallback between WiFi and mobile data
  • Staff can use it without training

For hospitality

Tips, tabs and paying at the table.

Hospitality has payment habits retail does not. Take the payment at the table rather than walking a customer to a till, prompt for a tip on the device so your staff are not relying on cash, and keep a tab open across a session. It should work the way your floor already works, not the other way round.

  • Tip prompt on the device
  • Pay at the table, not at the till
  • Tabs kept open across a session
  • Portable devices that last a full shift

For shops

Faster queues and simple refunds

On the high street the whole job is speed at the counter and not making a returns conversation worse than it needs to be. Contactless, chip and wallet payments on a device that responds first time, refunds done at the counter without a phone call, and one person to call.

  • Contactless, chip, Apple Pay and Google Pay
  • Refunds at the counter, no phone call
  • Counter and portable devices from one partner
  • One person to call, whatever your staff took

What you pay

Pricing for in-person payments

Our standard rate is one rate for online and in person, and it is on the pricing page. Larger businesses get pricing built for their numbers: we look at what you take at the counter, and online if you sell there too, and put the whole number in writing.

  • One standard rate, online and in person
  • Larger businesses priced on their own volume and card mix
  • The whole number in writing before you switch
Rate Check
Advertised1.5% + 20p
Instant payout fees+
Bolt-ons and extras+
Your effective rate?
SynaptoAgreed to your volume
Run the Rate Check

However you take money on the floor

Countertop devices

Wired in, always on, built for a queue. The device your staff never have to think about.

Card machines and terminals →

Tap to Pay on a phone

For markets, events, pop-ups and busy service, without buying another device to charge and lose.

Tap to Pay →

A shop and a website

If you sell both ways, your combined volume is the number that should be priced, not each half separately.

Shop and online →

Questions from hospitality and retail

You ring your account manager, who can see your account and tell you whether it is the device, the connection or us. If it is the device, a replacement is with you next day. That is the answer we would want, so it is the one we give.

The device can prompt for a tip, and how tips are then distributed to your team is your call and your policy. Worth going through on the call, because how a provider handles it affects your payroll and your staff, and it is a conversation better had before you sign than after.

Sometimes, and it depends on the paperwork. Send us the terms and we will read them and tell you honestly whether moving now or at renewal is the better move, including if the answer is to wait. Rolling terminal rental is the trap most often hidden in these agreements.

Seasonal is normal on the high street, and it is exactly why underwriting matters. We do the checks at onboarding, so a bank holiday weekend that triples your takings reads as a bank holiday weekend rather than an anomaly to be investigated.

What customers say

Golnaz Parisaei · GB · 29 May 2026

Fantastic service and highly recommended

"We at Fertility Plus switched our payment processing through Synapto and couldn't be happier with the decision. The onboarding process was seamless, the team were incredibly helpful from day one, guiding us through the setup and making what could have been a complicated transition completely stress-free. What really stood out was the level of customer service throughout. Any questions we had were answered promptly and clearly, and we always felt like we were in safe hands. It's rare to find a provider that remains just as attentive after you're up and running as they were during the setup phase, but Synapto have done exactly that. A big thanks to Simon who led us through it all. We would wholeheartedly recommend them to any business looking for a reliable, supportive payment solution. They've made a real difference to how we operate day to day."

Trustpilot review
Faire & Fine · GB · 30 Jan 2026

Excellent company

"Excellent company, been working with them for the past few months, prices are great, fast payouts and great comms from them team. Have already recommended them to other business!"

Trustpilot review
Amin Nabizada · GB · 25 Nov 2025

"Synapto provided exceptional service from start to finish. Their attention to detail, professionalism, and commitment to quality truly stand out. A solid 5-star experience.” Thanks"

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Bring last month's statement to the conversation

We will price the same month on Synapto, line by line, and tell you straight whether you would be better off. If your current deal is genuinely good, we will say so.