UK small and medium businesses, such as hospitality and retail, that want card machines with built-in POS plus a free business account and cards without monthly fees.

traditional

Fees

In-person payments: 1.3% (excludes American Express — even lower rates for larger businesses). Other cards: 1.99% for American Express, business, and international cards. MOTO payments: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards. Invoice and virtual terminal transaction fee: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards; £0 subscription fee; settlement fee free. Zeller Terminal 1x £99 + VAT; Zeller Terminal 2 £149 + VAT. Business account free; Expense cards: first card free, additional cards £5/card per month (ex VAT). No set-up fees, monthly fees, or lock-in contracts.

Settlement

Same day

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Corpay

Enterprise cross-border B2B payments, FX risk management, and AP automation

traditional

Fees

0.3-0.8% for B2B transfers; FX markup varies

Discover Global Network

Discover & Diners Club Network

traditional

Fees

Interchange-based (network fees vary by acquirer and region)

PPRO

Local Payment Method Integration

BigCommerce Payments

BigCommerce Store Payments

traditional

Fees

2.59% + $0.49 per transaction

Apron

UK-registered small and medium businesses, finance teams and accounting firms that want bill pay, payroll payments, expense cards and payment-link collections reconciled with Xero or QuickBooks.

traditional

Fees

Get paid links: 0% on pay by bank. 0% on business cards. 1% fee on personal cards. (If the customer covers card fees, business cards are 2.9% to the customer.) Plans (from 1 December 2026, per company, billed monthly): Payments lite Free; Payments core £29/month; Payments plus £49/month; Payments max £99/month. Pay anyone using a credit card: 2.5% fee. FX conversion fee 0.5%; £3 per payment outside EEA.

Settlement

Same day

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Castles Technology

Android smart POS terminal manufacturer

Dayforce (Ceridian)

Enterprise global payroll and HCM

traditional

Fees

Per-employee-per-month subscription (quote-based)

Judopay

Mobile App Payments

Brite Payments

European Instant Payments

DirectPayEU

European e-commerce merchants accepting IBAN bank payments as a card alternative

traditional

Fees

0.8-1.5% for bank transfers

Settlement

1–3 business days

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Opayo

UK businesses

BDO Remit

InstaReM

APAC Cross-Border Payments

Instant to 2 business days

Instant

Low Fees

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exactly

Online businesses that want card and alternative-method acceptance, recurring billing and bulk payouts through one platform, priced individually.

TSYS (Global Payments)

Enterprise Issuer Processing

Noda

European Open Banking

traditional

Fees

From 0.3% per transaction

Lightspeed Commerce

Retail & Hospitality POS

Remitly

International Remittances

TWPayz

Merchants that take card payments in store and online and want card terminals, e-commerce checkout, Pay by Bank and a multi-currency business account from a single provider.

traditional

Fees

Card-type pricing (card present / card not present): Personal Debit 0.30% / 0.30%; Personal Credit 0.49% / 0.49%; Business Credit / Debit 1.79% / 1.79%; International / Non-EEA 1.99% / 1.99%; AMEX (own MID) 1.99% / 1.99%; Authorisation fee £0.04 + VAT / £0.12 + VAT. Or One Flat Rate 0.64% all card types, in-store & online, authorisation fees included (available where business and international cards are under 20% of your volume). Terminal rental £12 + VAT / month; SIM card £2 / month. Pay by Bank: up to £9,999 0.10% + £1; £10,000 and above 0.05% + £1. Business accounts: Starter Free (Faster Payments £0.40, CHAPS £20, BACS £1, IBAN £1 / mo); Growth £19.99 / month; Scale £41.66 / month; Enterprise £100+ / month. Prices exclude VAT.

Settlement

Card, online and link payments settle next working day. Pay by Bank confirms instantly.

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