Our Mission
& Values

Making card payments affordable and easy to understand is at the heart of everything we do.

Card payments can be difficult enough to understand, without the added burden of hidden fees and expensive invoices.

We make it simple.


At Handepay we truly believe that
every customer and employee counts.

Our ethos of honesty, integrity and transparency is a breath of fresh air when compared to similar merchant services companies.

Often, business owners are confused by the hidden fees that are added to their invoices and don’t have the time to decipher them, meaning that they are paying too much. In a sector notorious for unexpected charges and high costs, we offer a completely transparent pricing proposition that enables companies to accept card payments at affordable prices.


That’s why business owners are increasingly turning to us to help them save money and grow their company.


Our Story


Handepay was founded in 2006 by Merseyside-based entrepreneur, Andy Peake, with the belief that businesses of all sizes should be able to access an affordable way of accepting card payments from their customers. Since launch, we have grown to over 180 employees, supporting more than 28,000 business owners in the UK.



Founder of Handepay


We are now part of the PayPoint Group


Part of Paypoint Group Logo


In February 2021, Handepay and Merchant Rentals were acquired by PayPoint plc.


The PayPoint Group is the leading provider of cutting-edge digital payments solutions, innovative retail technology and essential in-store services serving millions of consumers every week.


Find out more about the PayPoint Group at corporate.paypoint.com.



Why choose Handepay?

Always aiming to be at the forefront of the merchant services sector, we have consistently introduced industry-leading advancements. In 2009, we were one of the first to market with updated card terminals that could run over a Wi-Fi connection, rather than the standard Bluetooth. Contactless terminals were added to our product offering in 2013, along with improvements to mobile terminal connectivity.

In October 2015, we revolutionised the card payments market by introducing a new pricing scheme. In a sector notorious for hidden fees and high invoices, we offer an industry-leading transparent pricing solution:


  • Accept contactless payments including Apple Pay, Google Pay & Samsung Pay
  • Improve cash flow and get your money the next banking day*
  • No minimum monthly service charge (MMSC)
  • No fees for PCI DSS compliance or non-compliance
  • Free Business Resource Centre


*The accelerated settlement service incurs a fee of £4 per month charged by EVO, our card acquirer. Providing your card machine performs a reconciliation before 12am (midnight), you’ll receive settlement of funds the next banking day. This service is currently only available to EVO acquired customers joining Handepay after 10th February 2021.

Our distinctive pricing has made card payment acceptance simpler and more affordable for independent business owners. Businesses who accept card payments with Handepay can maximise their profits, paying low fees without concealed extra charges.


We have over 100 team members at our head office in Haydock, Merseyside; and over 70 advisors across the UK. This allows us to help businesses in the most convenient way for them. We aren’t limited to phone and email contact; we also provide a face to face service that many of our competitors do not.


“Every customer counts.
Every employee counts.”


We make sure that everyone in our team has a great work-life balance. Our office team are treated to monthly events including barbeques and an ice cream van during the summer months, as well as an annual black tie gala dinner and awards. Our advisors in the field are given the freedom to work in their local area, with contributions to travel costs.


In our most recent employee engagement survey, 96% of respondents told us they enjoy their job and 97% feel their job is secure. 100% of our team feel that their contribution is important to the success of Handepay!


Want to join our team?

Our Successes


We make accepting card payments simpler to understand, giving guidance and advice about common hidden fees that many business owners don’t realise they’re paying. We have thousands of happy customers, who choose to give us fantastic feedback. We let them do the talking in our advertising, featuring testimonials from real customers in our marketing.




Trustpilot logo for being rated excellent by customers


Our Wins


Our merchant services are well respected within the industry and national business community, and we are proud to have been nominated for some prestigious awards, with a few great wins


Awards Logos


Business of the Year (Over 100 Employees) 2020/2021 - North West Business Awards
Customer Commitment Award 2020 - St Helens Chamber Awards
Workplace Health Award 2019 - Invest in St. Helens Business Awards
Customer Commitment Award 2019 (North West Region) - Chamber Business Awards
Best SME Card Payment Processing Specialists 2019 – UK Enterprise Awards
Customer Commitment Award 2019 - St Helens Chamber Awards
Platinum Partner Award for Excellence in Sales Execution and Outstanding
Customer Experience 2018 - EVO Payments
Fastest Growing European ISO 2017 - EVO Payments


Our nominations

B2B Business of the Year - Growing Business Awards 2019
Customer Commitment Award - Chamber Business Awards 2019
Customer Centric Organisation - UK Business Awards 2019
Professional Services Business of the Year - Merseyside Independent Business Awards 2019
Employer of the Year - Merseyside Independent Business Awards 2019
Best Service to Business – Card and Payment Awards 2019
Best Merchant Acquirer or Processor - Payments Awards 2019
Best In-Store Payments Solution - Payments Awards 2019
Best Contactless Payment Project - Payments Awards 2019




Our work with the
Steve Prescott Foundation


Steve Prescott Foundation Logo



In 2016, we partnered with local charity, The Steve Prescott Foundation, raising over £27,500 for the cause to date. The charity was a poignant choice, with many of our team impacted by the work the charity carries out. Since launching the partnership, members of our team have taken part and volunteered in a range of fundraising events. These include sporting events such as 10k runs and the Handepay St. Helens Triathlon, coupled with office fundraising of raffles and donations.



Financial disclaimer:

Terminal hire contracts are provided by Merchant Rentals Limited, who is authorised and regulated in the UK by the Financial Conduct Authority (FCA) for Consumer Hire under FRN 720500. Terminal hire can be for consumer hire and non-regulated hire contracts. Please check your contract carefully for details. Regulation of all consumer hire fall under the control of the FCA.

Handepay Ltd is authorised and regulated by the FCA for Consumer Credit under FRN 673564. Handepay is a credit broker for consumer hire not a lender.

Handepay acts as an introducer of card acquiring services on behalf of EVO Payments UK, the card acquiring service provider. EVO Payments UK is the trading name of EVO Payments UK Ltd, a payment institution that is authorised and regulated by the Financial Conduct Authority (FRN number 959332).

Existing Cards Businesses- The one-month rolling terminal hire contract from Merchant Rentals is only available to businesses that are switching from their current acquirer to EVO Payments UK arranged through Handepay.

New to Cards Businesses- The 12-month terminal hire contract from Merchant Rentals is only available to businesses that are new to card payments and wish to receive acquiring services from EVO Payments UK, arranged through Handepay.

The Next Day Banking Settlement service provided by EVO Payments UK incurs an additional fee of £4 a month on top of your acquiring service charges and fees. Provided your card machine performs a reconciliation before 12am (midnight), you’ll receive settlement of funds the next banking day.

Editorial disclaimer:

The information we provide does not constitute financial advice and might not apply to your business. Always carry out research into your business’ needs when choosing a new merchant services provider.

Sometimes, we link to other third-party websites to provide you with additional information. At the time of publication, we consider the information accurate, however, we do not have control over their content and are not responsible if any information on these websites change.

The products we display on our website are for illustrative purposes only - if your business requires additional facilities, you may receive a different model than advertised.

All of the information contained on this website, including fees, services and functionality, are correct at time of publishing. E&OE.