PayPoint: A Payment Solution for UK Businesses
For UK businesses looking to accept card payments, PayPoint offers a range of payment processing services that can help streamline transactions and improve cash flow. While PayPoint is best known for its retail payment services (such as bill payments and top-ups), it also provides card payment solutions tailored to small and medium-sized businesses (SMBs).
How PayPoint Works for Card Payments
PayPoint partners with PayByLink, a secure online payment solution that allows businesses to send payment requests via email, SMS, or WhatsApp. Customers can then click the link to pay using their debit or credit card—making it a flexible option for businesses that don’t have a physical card terminal.
Key Features of PayByLink (PayPoint’s Payment Solution)
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No Card Terminal Needed – Ideal for service-based businesses, tradespeople, or e-commerce sellers who need a simple way to take payments remotely.
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Secure Payments – PCI DSS compliant, ensuring customer card details are protected.
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Quick Setup – Businesses can start taking payments quickly without lengthy contracts.
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Next-Day Settlement – Funds are deposited into the business bank account the next working day.
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Mobile & Online Payments – Works for invoices, phone orders, or online sales.
Who Is PayPoint Best For?
PayPoint’s PayByLink is particularly useful for:
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Tradespeople (plumbers, electricians, builders) who need to invoice customers on the go.
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Retailers who want an additional way to take payments beyond traditional card terminals.
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Online sellers & service providers who need a simple way to collect payments without a full e-commerce setup.
Fees & Costs
PayPoint’s PayByLink charges a transaction fee per payment, typically around 1.4% + 20p per transaction (rates may vary). There are no monthly fees or long-term contracts, making it a cost-effective choice for small businesses.
Alternatives to PayPoint
If your business needs a more traditional card terminal or POS system, alternatives like Square, SumUp, or Worldpay may be better suited. However, for quick, flexible payments without hardware, PayByLink is a strong option.
Final Verdict
PayPoint’s PayByLink is a convenient, low-cost solution for UK businesses that need a simple way to accept card payments without a physical terminal. It’s particularly useful for service-based businesses and sole traders who want a fast, secure way to get paid.
Would you like a comparison of PayPoint vs. other UK payment providers? Let us know, and we can help you find the best card payment solution for your business!
- Accept card payments – lowest rates from 0.27%
- Keep your card processing fees to a minimum
- Direct access to the UK’s leading card processing banks
- We ensure your rates always remain competitive
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