Handepay Review

Rates and Fees
60/100
Truth in Advertising
65/100
Consumer Reviews
65/100
Customer Support
70/100
3

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:

Variable
Visit Handepay

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 Overview

 

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.

Quick Facts

Head Quarters

Westway Park, Galway Cres, Haydock WA11 0GR, United Kingdom

Year Founded

2006

CEO

Andy Peake

Employees

Unknown

Merchant Provider Risk Tolerance

Low Risk Businesses

What We Like

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.

What We Don't Like

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.

Industries Served

  • Online Sellers

Business Types Served

  • Mobile
  • Online

Handepay Products & Services

 

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

Handepay Payment Processing

  • Cash Transactions
  • Credit Card Processing
  • Debit Card Processing
  • Mobile Payments App
  • Online Payments
  • Payment Gateway

Handepay Billing & Invoicing

  • Mobile Payments
  • Online Payments

Handepay Advertising & Sales

 
Handepay does not work with independent sales agents, but it does employ outside sales agents and telemarketing professionals and pay them a salary.

There have been multiple complaints posted online regarding this company’s sales tactics. Some of them claim that the company was not transparent about its rates and fees, including providing accurate information about automatic renewals and equipment leases.

Handepay does have a price guarantee, which it describes through a video on the company website. The video states that if the company is not able to save merchants money on their monthly payment processing fees, they will pay the merchant £1000.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

Unknown

Handepay Pricing, Rates & Fees

 

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 at a Glance

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

Handepay Contract & Terms

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

Handepay Setup & Support

 

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.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

Handepay Complaints, Ratings & Reviews

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.

Ratings

BBB

N/A

Google

4.5 Stars / 441 Reviews

Facebook

No Reviews

Yelp

N/A

Reviews

Total Online Reviews

441+

Total Online Complaints

100+

Lawsuits

Unknown

Handepay Alternatives

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