# Sends — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Fees:** 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%."
- **Fee model:** flat-rate
- **Settlement time:** Payouts on the same day
- **Categories:** traditional
- **Countries served:** 1 (GB)
- **Payment methods:** apple_pay, google_pay, mastercard, visa

## Legal & compliance

Legal entities:
- SMARTFLOW PAYMENTS LIMITED — United Kingdom — licenses: E-Money Institution, GB, FCA

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/sends#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=sends&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/sends

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)