Choosing your merchant account

With up to 40% savings, explore our account options before making a decision



PAYG or Pay Monthly



No Lengthy Contracts


100% Online Application


Save money by choosing the right merchant account for your business. We offer two types of account to give you more choice & flexibility

Pay As You Go Merchant Account - Ideal for start-ups and sole traders

Paya Account

Designed for start-ups, seasonal and small businesses that take less than £15-20k per year in card payments. It’s a Pay As You Go, low commitment option with simple transaction fees which are only charged when you take a payment. There are no fixed monthly commitments or PCI fees.

Key Features

Single rate for Mastercard & Visa*

Includes Online, Telephone and Chip & PIN payments

Portal to track payments

Weekly settlement

No lengthy contract, it’s PAYG

Rapid set-up, 48 hours

UK customer support

£99.00 for the full multi-channel account

FREE if you only need one payment channel –

see our Paya Lite options below

Pay As You Go is less suited to high turnover businesses. Higher card turnover businesses can still apply for this account but it may not be cost-effective in the longer term.

*Amex costs 3.95%. Mastercard & Visa rates vary based on your weekly turnover. Find out more using our quote button.

Standard Merchant Account - Ideal for small businesses accepting high volumes of payments by card

Standard Merchant Account

Perfect for larger and established businesses accepting higher volumes of card payments, looking for customised pricing with lower transaction charges. This account has a combination of fixed monthly fees and transaction charges based on your card volumes.

Key Features 

Personalised rates based on card turnover

Chip & PIN and MOTO option

Online & eCommerce option

Portal to track payments

Daily settlement T+3

Optional faster settlement for small fee

6 months minimum contract term 

7-10 days set-up

UK customer support 

No set-up fee – limited period offer

Standard Pay Monthly accounts are less suited to businesses with low card volumes because of the monthly minimum usage requirement, typically £20.00 per month.


A business owner looking to switch card acceptance provider

Bring your own merchant account

If you’re satisfied with your existing merchant account provider & rates, you could still save by changing your gateway provider.

If you accept online or telephone payments, the payment gateway acts as the link between your virtual terminal and/or website payment page and your merchant bank. Often the provider of your merchant account is the gateway provider too – but there’s no reason why you cannot change either, or both, services to Payacardservices.

Are your terminals near end of life or are you paying too much in monthly fees? Again, you may be able to swap out your terminals without having to change your merchant account provider.

If this sounds like you, use the Quote button to see what you could save or request a callback.

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 anytime Please note, if you select the Chip & PIN account, you will need to order a terminal.



New to Cards?  Thinking of switching?

Get your online quote now. Your results will show 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 on your quotation.

If you’ve not made a saving, as part of the quote process, you will have the option to send us your last 3 statements for review.

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