Best for
Merchants that are in need of payment processing services both in-person as well as online.
Specializes in
Handepay specializes in working with merchants who own and operate brick and mortar stores, but that also have online stores. The company offers personalized solutions with multiple payment methods.
Pricing Summary
Setup Fee: N/A
Monthly Fee: N/A
Swipe Rate: 1.00% - 4.99%
Keyed-in Rate: 1.00% - 4.99%
Early Termination Fee : Liquidated Damages
Contract Terms:
Handepay is a merchant account provider that is based in the UK.
This company is a reseller for Streamline, which is a much larger payment processing company in the UK.
Handepay lists two addresses; one in Saint Helens and one in Hertfordshire.
Handepay is a merchant account provider and payment processing company that is based in the UK. The company was founded in 2006 by Andy Peake, an entrepreneur based in Merseyside. There are two addresses available for this company; one in Saint Helens and one in Hertfordshire.
Handepay was acquired by PayPoint in November of 2020. It is a reseller for Streamline and is currently in partnership with EVO Payments International. The company seems to also operate a company that offers payment processing leases called Merchant Rentals.
Andy Peake is the managing director of Handepay. This company can handle every aspect of a merchant’s payment processing needs, whether they have a brick and mortar store, sell online, or offer a combination of both options for their customers.
Head Quarters
Westway Park, Galway Cres, Haydock WA11 0GR, United Kingdom
Year Founded
2006
CEO
Andy Peake
Employees
Unknown
Merchant Provider Risk Tolerance
Provides in person and online payment processing.
Works with brick and mortar stores and those with an online presence.
Offers multiple payment methods.
Tailors solutions to the clients needs.
Can provide equipment and hardware.
Has an early termination fee.
Employs telemarketers and sales individuals outside of the company.
Has questionable sales tactics.
Important terms are not disclosed.
Equipment lease terms are 36 months.
Hardware & Software
Handepay is able to provide merchants with various equipment and hardware options. This company offers:
Countertop card machines, including the entire Clover suite of products
Portable card machines
Mobile card machines
All credit card terminals offered by Handepay are equipped with contactless technology.
Handepay can also provide merchants with multiple options for online payments, including:
A virtual terminal
A payment gateway
Pay-by-link
Shopping cart integration
Recurring payment capabilities
Value-Added Services
Most of Handepay’s focus is on merchant accounts and payment processing options. But this company does offer business financing for merchants in need of working capital. Fast funding and flexible repayment options are available.
Supported Payment Types & Services
Merchants that choose Handepay as their merchant account provider and payment processor will be able to accept multiple forms of payment, including:
Visa
Mastercard
American Express
Discover
Debit cards (including PIN-entered payments)
Mobile wallet payments (Apple Pay, Google Pay, etc.)
Union Pay
JCB
Diners Club
Discloses All Important Terms
No
Public Pricing Available
Unknown
The Handepay website does not provide information about its transaction fees. The site mentions no hidden fees and a small transaction fee for each payment. This company likely offers personalized fees for each merchant based on their monthly transaction volume, risk level, payment processing history, and other factors.
Handepay advertises no setup fees, and states that the company may be able to cover any early termination fees for merchants that decide to switch to their services. The company also states that merchants will not pay PCI compliance fees.
Merchants doing business with Handepay will pay £19.99 per month in payment gateway fees if they choose that method of payment processing. That amount covers up to 400 transactions, and an additional per-transaction fee of £0.10 will apply on transactions above that.
Pricing Model
Unknown
Swiped Rate
1.00% - 4.99%
Keyed-in Rate
1.00% - 4.99%
Mobile Payment Rate
Unknown
Virtual Terminal Rate
1.00% - 4.99%
Monthly Fee
N/A
Payment Gateway Fee
£19.99 Per Month
Batch Fee
Unknown
Early Termination Fee
Liquidated Damages
PCI Compliance Fee
Undisclosed
Equipment Lease Terms
36 Month (locked)
Address Verification Service (AVS)
Unknown
Application Fee
N/A
Account Setup Fee
N/A
Gateway Setup Fee
N/A
Annual Fee
N/A
Monthly Minimum
Unknown
Statement Fee
Unknown
The Handepay contract can range from 12-36 months, and there is an automatic renewal clause for 12 months. The contract must be canceled within at least three months before it expires, and this must be done in writing.
Contracts that are terminated early will be charged for liquidated damages. Merchants in need of payment processing equipment may have a separate contract for hardware that carries a term of 36 months, locked.
Contract Length
Variable
Early Termination Fee
Liquidated Damages
The Handepay website does not indicate how long it might take for merchants to get set up with this company as their payment processing company. It may take up to 14 days for new hardware to be delivered.
Merchants utilizing payment gateways or virtual terminals may be able to begin accepting payments within a few days, or as soon as the underwriting process has been completed.
The Handepay website has a lot of information about customer support, including online FAQs, guides, email addresses, and a phone number.
BBB Rating
Handepay does not have a profile or a rating with the Better Business Bureau.
Other Online Reviews
There are more than 100 negative Handepay reviews on multiple websites. Some of these reviews claim that this company is a scam. These reviews mention issues such as unexpected cancelation fees and automatic renewal extensions.
There are many complaints regarding the company’s sales tactics, customer service, contract terms, and equipment leases. There is no indication that the company responded to any of these complaints.
BBB
N/A
4.5 Stars / 441 Reviews
No Reviews
Yelp
N/A
Total Online Reviews
441+
Total Online Complaints
100+
Lawsuits
Unknown
If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks