Best for
Merchants with businesses of all sizes that are located within the UK, and who are searching for monthly or pay-as-you-go plans.
Specializes in
PayaCardServices specializes in working with start-up businesses that have no payment processing history, as well as those that are well-established, but that want to reduce the cost of accepting payments.
Pricing Summary
Setup Fee: Unknown
Monthly Fee: Unknown
Swipe Rate: Unknown
Keyed-in Rate: Unknown
Early Termination Fee : Unknown
Contract Terms:
PayaCardServices was founded in 2009 as a way to address the payment processing issues faced by small businesses.
This company is located in Northampton, UK, and once did business under the name, Acceptacard.
Jeff Hack is listed as the CEO of Paya Group.
PayaCardServices is a company that was once known as Acceptacard. It is a merchant account provider that works with businesses in the UK, regardless of their size. The company offers monthly and pay-as-you-go plans and strives to keep the cost of payment processing as low as possible for its merchant customers.
The Paya Group owns several payment services, including:
Payataxi
Payatrader
Payamobile
Payastore
Payaprofessional
Credorax is listed as the acquiring bank for Acceptacard and this company is also registered with the FCA as a small payment institution.
The Paya Group’s CEO is listed as Jeff Hack. On the company website, it specifies that it works with the following sectors:
Taxi and private hire
Directory services
Trade and profession
Charitable and non-profit organizations
Head Quarters
1 Westleigh Office Park, Scirocco Close, Moulton Park, Northampton, NN3 6BW.
Year Founded
Unknown
CEO
Unknown
Employees
11-50
Merchant Provider Risk Tolerance
Provided services to all businesses in the United Kingdom wanting monthly or pay as you go plans.
Works with both start up and well established businesses.
Several types and options for hardware.
Merchants can bring their own accounts and link them with the company.
Payments can be processed in multiple currencies.
Online sellers only.
Works with low risk businesses.
No value added services.
Uses a partnership program for marketing.
Prices on the company website may not be what a merchant will pay.
Hardware & Software
PayaCardServices offers several types of hardware for merchants in need of card machines. They include both PAX and BBPOS devices. There are several options, and the choice is tailored to each merchant’s needs. Countertop, terminal, and mobile solutions are all available.
This company can also assist ecommerce merchants with shopping cart integration, payment buttons, and invoice links. A virtual terminal is available as well, which allows merchants to accept MOTO payments.
Value-Added Services
PayaCardServices appears to be focused on its payment processing services and merchant accounts. This company does not offer any additional value-added services for its customers.
However, this company advertises the ability for merchants to bring their own merchant accounts and link with PayaCardServices’ payment processing services.
Supported Payment Types & Services
The PayaCardServices website states that the company can process many different forms of payment, including:
Visa
American Express
Mastercard
Google Pay
Apple Pay
Merchants can process payments in multiple currencies.
Discloses All Important Terms
Unknown
Public Pricing Available
Unknown
PayaCardServices lists several of its prices on its website, but these rates may be the lowest available rates, and not indicative of what a merchant might actually pay.
Swiped rate - 2.5% + £0.30 or 2.95% + £0.30
Keyed-in rate - 2.3% + £0.30 to 2.95% + £0.30
Gateway fee - £20 per month
Setup fee - £99 (unless waived)
POS to GO Equipment fee - £69 per month or £799 if purchased
Pricing Model
Unknown
Swiped Rate
Unknown
Keyed-in Rate
Unknown
Mobile Payment Rate
Unknown
Virtual Terminal Rate
Unknown
Monthly Fee
Unknown
Payment Gateway Fee
£20
Batch Fee
Unknown
Early Termination Fee
Unknown
PCI Compliance Fee
N/A
Equipment Lease Terms
£13.00+ Per Month
Address Verification Service (AVS)
AVS
Application Fee
Unknown
Account Setup Fee
Unknown
Gateway Setup Fee
Unknown
Annual Fee
Unknown
Monthly Minimum
Unknown
Statement Fee
Unknown
PayaCardServices does not lock its merchant customers into long-term contracts. Instead, this company offers short-term and pay-as-you-go plans that have flexible rates and fees.
Equipment leases are available for as low as £13 per month, and there are no early termination fees.
Contract Length
Unknown
Early Termination Fee
Unknown
PayaCardServices states on the company website that it is possible for merchants to get set up and ready to accept payments within 48 hours. The company offers an online application to help prospective merchants get started.
Merchants in need of payment processing services online should be able to get started within just a few days. For those that need equipment, it may take a week to 14 days for them to receive it and set everything up.
PayaCardServices offers customer support by phone to all merchant customers 24 hours a day, 7 days a week. The company lists phone numbers for tech support and sales on its Contact Us page. There is also an email address and a contact form on this page.
BBB Rating
PayaCardServices does not have a profile or a rating with the Better Business Bureau.
Other Online Reviews
There is only one complaint online about PayaCardServices, and it mentions poor communication from the sales team. Incidentally, the timing of this complaint coincides with the time period when Acceptacard was rebranding to PayaCardServices. It appears to be an isolated incident.
There are no outstanding FTC complaints or pending class-action lawsuits for PayaCardServices.
BBB
N/A
N/A
N/A
Yelp
N/A
Total Online Reviews
Unknown
Total Online Complaints
Unknown
Lawsuits
No
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