Frequently Asked Questions

New to cards or switching providers, our experts can answer your questions.



Card payments are the most popular payment method in the UK, so it’s essential to have a card payment machine at your business to ensure you’re not missing out on sales. Not only will this improve your cash flow, it makes taking payment quicker, reduces queuing times, and it’s much more secure than keeping cash on your premises.

We provide a selection of card payment terminals to meet your business requirements including countertop, portable and mobile machines.  We have e-commerce solutions so you can trade online and virtual terminals for customers who purely take payments in a non-face to face environment.

You can either request a quote via our website and we’ll contact you or alternatively you can give us a call. Our advisors are available to answer all your questions and guide you through the card processing process, to ensure the best product is selected for your business needs.

It varies from customer to customer, but our average saving is 36%. When requesting a quote from us we’ll analyse your current merchant services statement and provide you with a detailed cost comparison, showing you the savings that can be made.

Simply provide us with a recent merchant statement via email to [email protected] (you can either send a scanned image or a photograph of the statement). We’ll carry out a full review of your merchant services costs and provide you with a quote which shows how much you can save by switching to Handepay. If we can’t beat your current costs, we’ll give you £1,000!

It depends on your existing agreement. There could be cancellation costs if you end your agreement early, however Handepay may be able to offer you a switching payment to cover these. Plus, you’ll also benefit from saving money by switching to us!

No. We recommend that you don’t give notice to cancel your existing agreement until your Handepay card processing facility is up and running, that way you can be sure there is no break in service.

Once your card machine is installed and has made its first live transaction (within 14 days of delivery date), and you’ve made your first rental payment, you’ll need to provide us with your final invoice / settlement quote from your existing supplier.

Email [email protected] with your settlement quote and a VAT invoice for the final switching costs (you can send either a scanned image or a photograph of the document).

Claims for switching costs must be made within 90 days of your first transaction. See our Terms and Conditions for more information.

We can have you up and running and accepting card payments in as little as three business days. The sooner we receive your completed application the quicker we can open your merchant account.

The funds will be settled into your account on the next banking day*.

*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. 

We offer UK-based help desk support on accepting card payments from a single phone number. If you are EVO acquired, you can call 0333 005 0999 if you are Worldpay acquired you can call 0871 871 3888.

Our technical helpdesk is available to perform troubleshooting on your terminal, if they are unable to resolve any technical issues a replacement terminal will be arranged.

With Handepay, you can accept all major debit and credit cards through our card machine terminals. We also enable you to accept contactless payments through Apple, Samsung and Google Pay via the appropriate devices.

Our customer support team can help you make changes to your account, whether you are changing legal entity, trading name or bank account.

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.