Online Payments

  • Straight-forward pricing
  • Accept card payments online quickly and easily
  • Improve cash flow and get your money the next banking day*
  • No joining or set up fees
  • 24/7 customer service


Take payments online for your business

More people are paying for goods online than ever before - and who can blame them?

It’s fast, easy and they don’t even have to leave the comfort of their own home.

Having the ability to take online payments is a crucial part of becoming more accessible to your customers - and we’re here to help you every step of the way.

Handepay's simple pricing plan with no hidden fees is guaranteed to save you money - so come and explore our online payment packages today and take your business even further.

Being able to accept online payments is one thing, but with our simple and cost-effective processing service you can focus on growing your business rather than getting bogged down by unnecessary and confusing fees.

With Handepay, online payments are much easier to understand.

First of all, there’s no minimum monthly service charge (MMSC) or authorisation fees. You don’t even need to pay any fees for joining or PCI DSS compliance and non-compliance fees.

Getting set up is straightforward, and soon you’ll be able to take online card payments.

Our payment gateway service is perfect for a wide variety of online businesses, and if you’d like some guidance on which option is best for you, we’re on hand to talk you through what’s on offer.



Our online card payment options


When it comes to online payment options, the route you choose to go down is up to you.

Normally it depends on what type of business you run. Take a look at the options below or speak to one of our friendly advisors to see which is right for you.

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    Payment Gateway

    Online trading is simple and secure with an online payment gateway. Essentially, this enables you to facilitate and authorise card payments through a secure web page on your business’ website.


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    Virtual Terminal

    A virtual terminal is an online payment system that can be facilitated via a device that’s connected to the internet. Multiple users can all access at no extra cost, making the solution scalable across the business.

    It’s another simple, fast and secure way to process online payments.


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    Pay by Link

    With every Handepay virtual terminal and payment gateway, you also receive access to Pay by Link. Through our Pay by Link solution, you can generate a secure link that you can send to your customer via email, social media and messaging systems. Once they click, they’re referred to a payment page where the transaction can be completed.


The benefits of accepting online payments


When you consider the benefits of online payment systems, it’s no surprise that their popularity is growing across a wide range of different businesses.

The main plus points include:




  • Grow your business and increase sales

  • Meet your customer’s expectations more readily

  • Reach even more customers than ever before

  • Sell all year round - 24/7, 365 days a year

  • Our online payment solutions accept major debit and credit cards

  • Easy integration with major shopping carts

  • Online business management dashboard with real time reporting

  • Security checks and 3D Secure

This is all good to know, but why would you want to invest in online payment services with Handepay?

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Looking to switch your e-commerce facility?


If you’re not satisfied with your current e-commerce facility, get in touch to find out more about our simple and cost-effective online payment solutions.

Not only do we help you switch, but we’ll save you money in the process! What’s more, in most cases we’ll cover any cancellation fees incurred from leaving your previous provider.

We put our money where our mouth is with the Handepay Price Challenge. If we can’t save you money on your merchant services costs, we’ll give you £1,000.

It’s that simple.

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New to online card payments?


If you’re brand new to card payments, then don’t worry. It’s never too late to start.

There are several payment solutions to explore if your company is new to cards.

For online payments, you’ll need a payment gateway and merchant account. This will allow you to take payments online with ease.

What do I need to start trading online?


To accept online card payments, there’s a few things you need to have in place to get started.


  • Internet Merchant Account

    Internet Merchant Account

    This allows you to authorise, process and settle card payments from your customers. If you already have a company website and are currently selling online it’s easy to switch to Handepay and benefit from our simple pricing package.

  • Secure Payment Gateway

    Secure Payment Gateway

    This manages the secure collection and transmission of the cardholder details to your acquiring bank. Handepay’s hosted payment page makes paying for goods and services quick and easy, as well as providing added security so you don’t need to worry about storing your customer’s card details.

  • E-Commerce Website & Shopping Cart

    E-Commerce Website & Shopping Cart

    If you’re switching to Handepay then it’s likely that you’ll already have this. We link with many major shopping carts. With our dedicated UK technical support team, there won’t be any disruption when you switch.

Handepay are able to provide your business with a cost-effective Internet Merchant Account and secure Payment Gateway, which can link to your website and shopping cart.


Terms and conditions of Handepay gateway services


Why choose Handepay?


Other than opening your business up to a world of fast and secure online payments, there are plenty of reasons why Handepay is a great option:

  • No hidden fees

    No hidden fees

    We’re confident that our low rates won’t be beaten by any other provider - and with no hidden fees to worry about, you can focus on growing your business rather than worrying about monthly bills.

  • 28,000 customers

    28,000 customers

    We have plenty of experience when it comes to great customer service - which is why we’re rated as ‘Excellent’ on Trustpilot.

  • 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.

  • Service & support

    Service & Support

    24/7 service and support and gateway assistance available Monday to Friday 9am - 5.30pm

Online payment FAQs



Yes - all Handepay’s online payment solutions come with an included merchant account. If you already have a company website and are selling online, it’s easy to switch to us and benefit from our simple pricing package.

Online payments across all of our options meet industry standard security specifications. Our hosted secure payment gateways ensure that your transactions are conducted in a safe and private manner every time, using tools such as 3D Secure.

Having the ability to take online payments is an important asset for most businesses these days. With more ways to pay and unlimited shopping hours, your business is far more accessible to all of your customers.

With Handepay, you can accept both 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.

With Handepay you will pay a rental fee for your card machine and then a small percentage of each transaction value. You won’t pay a minimum monthly service charge (MMSC), authorisation fees or PCI compliance and non-compliance fees.

If you have an up-to-date card machine, you should be able to accept mobile payments like those using an eWallet on a smartphone or wearable device.

These payments work just the same as a contactless card payment. Simply ask the customer to place their device on the card machine, and the transaction will be completed in a few seconds, provided they have the money in their account.

Older card machines may not have the technology built in to accept these newer types of payments.

Your card machine may display types of payments you’re able to accept.

If you’re not sure, the easiest thing to do is contact us and we’ll be able to tell you if your current card machine is able to accept mobile payments.

Find out more today - or speak to our friendly team to find out even more about our simple online payment pricing packages.


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.