PayaTrader & PayaProfessional

Award winning account – making card payments accessible to small & micro businesses



Low rates

No monthly fees


No Lengthy Contracts

Online Application

 Paya Account –  ‘Pay As You Go’ multi-channel solution

Save up to £30.00 per month in fixed fees – only pay if you accept a card payment




   Ideal for start-ups, seasonal & small businesses
   No trading history needed
   Affordable transaction fees
   No minimum usage fees – save up to £25 per month
   No additional PCI fee – save another £5.00 per month
   No lengthy contract
   Accept payments online, by telephone and Chip & PIN
   Easy online quote & application
   Rapid set-up, within 48 hours
   £99.00 set-up  or FREE for a single payment channel
A group of trades people and professionals looking for a card processing solution

Save up to £360 per year

Accepting credit & debit cards has been expensive for small businesses – particularly where transaction volumes are low.

We’ve addressed this issue by removing all fixed monthly and minimum usage fees, lengthy contracts and exit charges – saving you up to £360 per year.

Multi-channel card processing account for trades and professionals


A unique feature of our ‘Pay As You Go’ product is you can accept payments using any of our channels  – online, telephone, email & invoice links and Chip & PIN.

The only extra fee, if ordered, is the cost of a buying or renting a Chip & PIN terminal or Card Reader should you wish to accept face-to-face payments.

Flexible card processing solutions for trades


Another big plus is the freedom & flexibility to make changes as your business grows. Many of our customers started out using the ‘Pay As You Go’ product and later, once card turnover exceeded £15-20K per year, upgraded to our standard merchant account with personalised rates.

Get your quote now

Your results will display immediately without any sales follow-up unless you ask us to call you. If you like what you see, then simply select the apply button at the bottom of your quotation. 

or call us on
0333 123 1243

FAQ - How do I know I've been paid?

Accepting payments

You can accept a card payment using any of our payment channels. Once a payment has been made and authorised by the cardholder’s bank we send immediate confirmation by email or SMS text depending on the payment channel used and the preferences selected in your account. If you use Chip & PIN you will see the authorisation on screen.

All payments (irrespective of payment channel) can be viewed in your account, making it easier to track & reconcile your payments. And, if you capture your customer’s email address (or mobile phone number in the case of Chip & PIN), our solution will automatically send a receipt.

FAQ - When we settle to you
Pay As You Go account funds are settled every Tuesday and transferred by BACS to your bank account the same day.
BACS payments are normally credited to your account on the Thursday i.e. after 2 working days. Each Tuesday the settlement includes all payments processed up to midnight on the preceding Friday.

Contact us to discuss other settlement frequency options.

Standard Merchant Account funds are settled daily (T+3). Faster settlement is available for a small fee.

FAQ - Is this the right account for me?
If you’re new to cards or only accept low volumes of card payments then, from a cost perspective, this is likley to be the best account for you.

Unlike standard merchant accounts, there are no monthly minimum usage or separate PCI fees. Typically this saves around £30.00 +VAT per month!

Pay As You Go transaction rates are a bit higher, but for most low users the overall cost is still less than standard merchant accounts.

In the event your turnover increases we can switch you to a standard merchant account.

FAQ - What does 'No Lengthy Contract' mean?

When you apply for a ‘Paya Pay As You Go’ account there is no contract term associated with the account. This means if you decide to stop using it that’s fine.

You will be asked to sign an agreement to use the account and process transactions in line with our Terms & Conditions.

If you order a card machine there may or may not be a minimum term associated with the equipment hire, depending on the offer.

FAQ - What does it cost to accept payments?
The rate you pay automatically adjusts based on your total card sales per week.

For Visa & MasterCard transactions, the rate payable is:

Weekly sales band = the rate you pay:

£0.00 to £500.00  = 2.90%
£500.01 to £1000.00 = 2.70%
£1000.01 to £2500.00 = 2.50%
£2500.01 and over  = 2.30%

American Express costs 3.95% per transaction irrespective of your weekly card turnover. Rates apply to both credit and debit card payments.

Refunds are charged at 2.00%.

A minimum fee of 30 pence applies to all transactions. Please note this is not an additional charge and only applies where the total cost of a transaction is less than 30 pence, typically on sales under £10.00.

Transaction fees are VAT exempt.


Please note: If you apply for the FREE Paya Lite account the rates are fixed at 2.9% for MasterCard & Visa.

Still not sure?  Take a look at our free ‘Pay As You Go’ lite Options

 If you only need one payment channel it makes sense to choose one of these FREE products, which can be upgraded to the full multi-channel account at anytimeWhen you click apply you will be presented with a rate quote based on your projected card turnover. Please note, if you select the Chip & PIN account, you will need to order a terminal.


Browse our payment channel capabilities

Latest technology card machines to buy or rent from £13.00 per month

The latest countertop card machines

Counter Top

Counter-top card machines offer a quick, easy and secure method for businesses to accept payments from a fixed location. A popular choice for businesses of all sizes and types, including offices, professional service providers and retailers.

The latest portable card machines


Portable card machines are the ideal way to accept payments from anywhere in your place of business. These fast and reliable machines enable you to offer your customers a ‘pay-at-table’ service, making transactions easier and quicker.

Take card payments through your smartphone using a Miura Card Reader


Primarily designed for businesses on the move, mobile card machines and card readers offer the full the benefits of Chip and PIN technology from any location. Card Readers are an economic choice for start-ups and micro businesses.

Online & Telephone Payments

FREE to use technology, only pay for transactions

A lady doing online shopping through our Shopping Cart technology


Accept card payments on your website, using payments buttons, shopping cart plugins or our fully customised online solutions.

Pizzeria accepting card payments over the phone with a Virtual Terminal


Accept card payments over the phone or by mail order using our Virtual Terminal on any web-enabled device.

Business owner at computer sending payment request links

Pay Links

Create and send customised email payment requests using our free template or attach a simple link to your existing invoices.

PAYA Group


PayaCardServices is operated by Acceptacard Limited, (company registration number 6910204). Registered office address: 1 Westleigh Office Park, Scirocco Close, Moulton Park, Northampton, NN3 6BW. Registered with the FCA as a small payment institution, firm number 617090. AML supervision registration number XYML00000123676