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Sends

Sends is the trading name of Smartflow Payments Limited, an electronic money institution authorised by the FCA. It provides online card acquiring for UK companies, covering Visa, Mastercard, Apple Pay and Google Pay, with same-day payouts. It also offers personal and business multi-currency accounts with SEPA, SWIFT, UK Faster Payments and CHAPS transfers, as well as payouts to cards or IBANs.

Fees from
Acquiring: "The lowest IC++, from 1.2%"; "Client rates depend on the type of business and transaction volumes. They can range from 2% up to 5%."
Settlement
Payouts on the same day
Coverage
1 country
Payment methods
4
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Sends before signing. Visit Website is an external link; we may earn a commission.

Sends overview

Best for

UK-registered companies that want online card acceptance (Visa, Mastercard, Apple Pay, Google Pay) alongside a multi-currency business account and payouts to cards or IBANs.

Sends pricing & fees

Pricing structure

Pricing
Acquiring: "The lowest IC++, from 1.2%"; "Client rates depend on the type of business and transaction volumes. They can range from 2% up to 5%."
Your business must be registered in
Not disclosed

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Sends settlement & payouts

Payouts

Settlement time
Payouts on the same day
Settlement currencies
Not collected yet

Sends API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Sends coverage & payment methods

Supported countries

1 country
GB

Payment methods

Apple PayGoogle PayMastercardVisa

Sends licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

SMARTFLOW PAYMENTS LIMITED

United Kingdom

Licenses

E-Money Institution GB

FCA E-Money Institution (UK)

Financial Conduct Authority (UK)

License numbers & register records

1 license number · 1 register record on file for Sends, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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