Payatrader & Payaprofessional
Award winning account – making card payments accessible to small & micro businesses
No monthly fees
No Lengthy Contracts
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, fixed 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 & Chip & PIN
Easy online quote & application
Rapid set-up, within 48 hours
£99.00 set-up or FREE for a single payment channel
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.
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.
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.
FAQ - How do I know I've been paid?
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.
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 teh equipment hire, depending on the offer.
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. When 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.
PLEASE ENSURE YOU SELECT THE RIGHT ACCOUNT TYPE BELOW
Browse our payment channel capabilities
Latest technology card machines to buy or rent from £13.00 per month
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.
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.
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
Payacardservices is operated by Acceptacard Limited, (company registration number 6910204) registered office address Victory House, 400 Pavilion Drive, Northampton, NN4 7PA. Registered with the FCA as a small payment institution, firm number 617090. MLR registration number 12738258