Mainstream acquirer

Handepay

Last verified 2026-07-14

Handepay is a UK mainstream acquirer operating across omnichannel (in-person + online). Headline rate Bespoke per merchant, quote-led (Price Challenge against your current bill), next banking day, set by the acquiring partner, flexible lengths, on quote. Quote-led UK ISO selling card machines (PDQ machines, on Castles hardware: Saturn Android smart terminal and countertop) plus online payments, virtual terminal, pay by link and phone payments. Owned by PayPoint plc since February 2021; card acquiring sits with partner acquirers (EVO Payments relationship since 2015). Advertises no minimum monthly service charge, no PCI compliance or non-compliance fees, and switching-cost contributions.

Verifiable identifier chain

Legal entity: Handepay Ltd.
Companies House: 05504126 ↗
OpenCorporates: View ↗

Commercial profile

Headline rate: Bespoke per merchant, quote-led (Price Challenge against your current bill)
Settlement: Next banking day, set by the acquiring partner
Contract: Flexible lengths, on quote
Channels: Omnichannel (in-person + online)
Tier: Mainstream acquirer

Editorial notes

Quote-led UK ISO selling card machines (PDQ machines, on Castles hardware: Saturn Android smart terminal and countertop) plus online payments, virtual terminal, pay by link and phone payments. Owned by PayPoint plc since February 2021; card acquiring sits with partner acquirers (EVO Payments relationship since 2015). Advertises no minimum monthly service charge, no PCI compliance or non-compliance fees, and switching-cost contributions.

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Take any UK acquirer. We handle support, rate reviews and disputes.

Named UK account team for the life of the agreement. Acquirer pays our commission on completed introductions, so it costs you nothing on top.

24/7 dedicated support
Direct line to a named UK account manager, not a generic acquirer helpline. When your terminal goes down on a Saturday night you call us.
Quarterly rate reviews
As your card volume grows your rate should drop. We renegotiate against the 50+ UK acquirer panel every quarter, so you never overpay because you forgot to ask.
Chargeback and dispute help
UK chargeback fees vary by acquirer and are set out in your merchant agreement, and many disputes are friendly fraud that can be defended with the right evidence. We draft the response and escalate where the acquirer drags its feet.
Switching support when you outgrow
If a better acquirer fit emerges as you grow we manage the cutover. No exit-fee surprises, no dual-running gap. Same account team across acquirers.

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Adam Parker

Founder & Managing Director, Muswell Rose, MerchantHQ

Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.

Last reviewed: 14 July 2026

Handepay

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Commercial profile

Editorial notes

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