Merchant Accounts


  • Cost-effective merchant services
  • Simple pricing with no hidden fees
  • Improve cash flow and get your money the next banking day*
  • Quick and secure card payment processing
  • £0 set-up fees





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What is a merchant account?


If you want to accept card payments, you need a merchant account.

It’s a requirement for any type of card payment; whether your customers pay face to face, online or over the phone.

Different to a business bank account, a merchant account enables you to process card payments in exchange for your goods or services.

As soon as a customer makes a payment using their card, a number of checks take place in a matter of seconds. Once the transaction has been authorised, the funds are settled into your bank account after an agreed amount of time. This is known as a 'settlement period'. 

As an essential step in the card payment process, finding the best merchant account provider is vital.

We change the way small businesses accept payments by providing cost-effective merchant services.

Process card payments quickly and securely, for the best possible price, with a merchant account from us.

There are no hidden fees to worry about, and we can get you up and running in no time.

Already have a merchant services provider? Let us carry out a price comparison – we guarantee we can save you money.

Maximise your profits with our low-cost merchant services.



How do Handepay offer low-cost
merchant accounts?


Traditionally, low-cost merchant services were only available to big companies.

They had the power to negotiate directly with acquiring banks for good rates, in return for installing hundreds, or even thousands, of terminals.


Smaller, independent businesses were offered much higher rates. Many found the cost of merchant services too expensive, resorting to taking payments just by cash or cheque.

We’re able to negotiate with acquiring banks on your behalf to get you the best rates possible.

What’s more, we don’t add any extra fees!

We aren’t like the rest. With us, you’ll only pay for your terminal and standard transaction fees.

With Handepay it's simple...


  • 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. 





Our merchant card services


To be able to use our merchant card services, you’ll first need to decide how you want to take payments.

Would your business benefit from accepting payments face to face using a terminal? Or would your customers find it easier to pay over the phone or via mail order? If you’re looking to widen your sales reach online, you’ll need to look into e-commerce solutions.

Some businesses accept card payments using all of these methods!

If you want to take payments face-to-face, we’ve got three great card terminal options:





Why are Handepay the best
merchant services provider?


We’re dedicated to making merchant services accessible to businesses of all sizes.
Whether you’re a sole trader or have lots of employees, we can provide a merchant services package to suit your needs.

Join us, and benefit from:


  • No hidden fees

    No hidden fees

    In contrast to other card machine providers, we don't charge many of the fees you may find on your statement

  • Hassle-free switching

    Hassle-free switching

    Switching provider needn’t be a chore - as we’ll cover your fees in most cases. Our helpful team works to ensure you switch and save.

  • 28,000 customers

    28,000 customers

    It’s fair to say we have lots of experience when it comes to great customer service - which is why we’re rated as ‘Excellent’ on Trustpilot

  • Service & support

    Service & support

    With 24/7 service and support - you can call upon us at any time should you need to.




What our customers say





The Archer

“Handepay gave me £3,432 to cover my card terminal  switching fees! Handepay made switching to use their card terminal  simple by offering to cover the exit fees for me!"





Merchant accounts FAQs


A merchant account enables you to take payment for your goods and services by card.

Yes. A bank account is different to a merchant account. When approving payments from your customers, the acquirer needs to be able to make sure that they have the funds to pay. This process takes place in a matter of seconds, and once the transaction is approved the money is settled into your bank account in an agreed period of time.

You may hear the term MID used when setting up a merchant account. It stands for Merchant ID (Identification) and is a unique number used to identify your merchant account.

The time it takes for the money you take to be transferred into your bank account is called a settlement period. The length of this varies depending on which provider you choose. With Handepay, you’ll receive your money on the next banking day after a payment is taken*.

*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. 





Get access to the best merchant card services


Making sure you’re using the best merchant card services provider is important to your bottom line.

Depending on who you choose, you could be paying well over the odds.

We provide the best service possible, at the most cost-effective prices. Paired with our range of payment technology, using Handepay for your merchant card services
is a no-brainer.

Get in touch and discover how affordable merchant services can be.






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