# TWPayz — Payment Provider

TWPayz, operated by FCA-authorised electronic money institution Transactworld Limited (FRN 900405), provides card machines, online checkout, payment links and Open Banking Pay by Bank. Card processing is priced either by card type or at a flat rate, and the same rate applies in store and online. It also offers business accounts with a UK sort code, IBAN and 12 currencies, and these accounts receive merchant payouts.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** 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.
- **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.
- **Fee model:** flat-rate
- **Settlement time:** Card, online and link payments settle next working day. Pay by Bank confirms instantly.
- **Categories:** traditional
- **Countries served:** 1 (GB)
- **Payment methods:** amex, apple_pay, google_pay, mastercard, open_banking, payment_link, visa

## Legal & compliance

Legal entities:
- Transactworld 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/twpayz#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=twpayz&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/twpayz

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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)