UK Payment Providers

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.

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

Billhop

ENTER

SMEs, enterprises, startups, holding companies and family offices that need a multi-currency business payment account with an IBAN for international bank transfers.

baas

Incoming bank transfers (SEPA, Faster payment, CHAPS, International £/€/$): Free. Fiat in from crypto exchange platform: 0,5%. Outgoing within Enter: Free. SEPA / Faster payment: Green €5, Amber €10, Red 0,1% min €20. International £/€/$: Green €50, Amber €75, Red €100. Fiat out to crypto exchange platform: 0,5%. Currency exchange: 1% (0,7% if monthly FX volume exceeds €250,000). Onboarding fee: Green €200, Amber €500, Red €1000. Monthly maintenance fee: Green €50, Amber €100, Red €300.

Varies

Riva

Token.io

Open Banking A2A Payments

Wyre

Crypto Payment Rails

crypto

From 0.25% per transaction

Duck Creek Payments

Insurance Premium Payments

AscendantFX

Mid-market and enterprise finance teams that need API-driven cross-border payables, FX risk management, and payee validation across 200+ countries.

ChargePoint

EV Charging Payments

Perk

Medium and large companies, especially multi-entity global businesses, that want corporate cards, expense management and business travel in one place. It is not a tool for accepting customer payments.

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Spend only: Premium from $9/user/month, Pro from $11/user/month; Travel+Spend: from $6-8 (Premium/Pro) per active user/month plus 3% per booking; Travel only: Starter $0 + 5% per booking, Premium $99/month + 3%, Pro $299/month + 3% (USD, per perk.com/pricing)

Varies

Orbital

Businesses that need to accept stablecoin or exotic-currency pay-ins and send cross-border payouts, especially those moving money to and from emerging markets.

MarTrust

MoneyNetInt

Payroc

ISO Payment Services

Trilo

Independent high-street businesses such as cafes, shops and hospitality venues, as well as sports clubs, that want subscription-priced payments built into a CRM and loyalty tool.

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Payments – Core: £25/mo, "Unlimited immediate payments straight to your bank, up to £5k monthly."; Pro: £50/mo, "Process up to £25k per month with no fees."; Unlimited: Custom. CRM & Notebook – Starter £25/mo, Core £50/mo. Invoices – Starter £5/mo, Core £25/mo.

you'll receive your money directly to your bank in seconds