Take Payments by Phone

  • Straight-forward pricing with no hidden fees
  • Accept phone and mail-order payments
  • Improve cash flow and get your money the next banking day*
  • £0 set up fees
  • Five star rated customer service

Phone payments for your business


Who said the customer needs to be present to make a card payment?

With Handepay, you can accept phone payments and mail-order payments with our simple and cost-effective solutions.

Customers like having the flexibility to make a payment from anywhere they feel comfortable to do so, so it’s important for your business to accommodate phone payments should you need to.

With no hidden fees, a simple pricing plan and support for those looking to switch - our phone payment services are a no-brainer.

Accepting phone payments has never been easier.

Handepay’s virtual terminal is ideal for a wide range of businesses looking to become even more accessible to their customers.

This suits a wide range of businesses, including companies that don’t have face to face contact with their customer base.

If this sounds like something you might benefit from, we’d love to talk you through our phone payment options.

In the meantime, scroll down to find out more about what our low-cost and secure service has to offer.


How to take card payments over the phone


There are a couple of different options available for businesses looking to accept payments by phone.



  • Network Terminal Icon

    Virtual Terminal

    Once you’re set up with Handepay’s virtual terminal, you can give your customers the option to pay over the phone. All you need to do is take your customers card details over the phone and enter them into the secure web-based interface presented via the virtual terminal. It’s a simple, fast and secure way to process phone payments.

  • Customer not present Icon

    Customer Not Present (CNP)

    All of our card machines can be used for cardholder not present transactions. It’s probably the most suitable option if you only process a handful of phone payments in comparison to other methods. Thanks to our ‘customer-not-present’ facility, you can easily take payments from your customers over the phone or by mail order.


Handepay Guides

To learn more, click below >

How To Take Card Payments Over Phone
> What is a MOTO payment?

The benefits of taking payments by phone


One of the best things about accepting card payments over the phone is that your business is far less limited by location and much more accessible to customers over a wider geographical area.


With Handepay’s phone payment service, you can accept all major credit and debit cards through our secure transactions.


But what are the individual benefits of both options?



Virtual terminal benefits

  • Great value virtual terminal solution

  • Suitable for all businesses

  • Access from any internet connected computer

  • 24/7 online reporting and transaction management

Customer-not-present (card terminal) benefits

  • Use your card machine to "key enter" the card number and security code

  • Use your card machine to "key enter" the card number and security code

  • Most suitable if you only process a few transactions where the cardholder isn't physically present

Why choose Handepay?

With fast and secure phone payments, Handepay is an excellent choice for any business looking to take on these types of transactions.




  • 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.

  • Hassle-free switching

    Hassle-free switching

    We even offer free support to those customers switching from another provider.

  • 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.

  • Service & support

    Service & support

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

What our customers say


Trustpilot logo


Mac Tools


Mac Tools Bristol

“I can accept mobile payments in more locations thanks to Handepay! I was over the moon when I discovered that I could save 51% on my mobile payments fees, which works out to just under £100 per month!"


Phone payments FAQs



Phone payments are very safe as long as you have a secure service provider on your side. Our secure web-based interface is an easy way to facilitate transactions during phone conversations.

In this day and age, customers expect more when it comes to card payments. Having the capability to accept payments over the phone is just one way you can make your business much more accessible to a wider range of customers.

Yes, you’ll need a merchant account - but all of our phone payment packages have a merchant account included.

Phone payment providers are required to meet the standards for compliance and security to ensure customers are protected from fraud. In order to trade securely, providers must have the correct measures in place to make sure the standards are met - which could include maximum transaction limits for phone payments, for example.

Trustpilot logo showing rated excellent by our customers


If you’re curious to learn more about accepting phone payments,
feel free to give us a call. If you’re ready to switch to Handepay,
find out more today.


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.