XEPAY

XEPAY, card terminals and merchant accounts in the UK

XEPAY presents itself as a provider of card terminals and merchant accounts in the UK. Its commercial proposition is built around free terminal rental for twelve months and the absence of several common industry fees: no setup fee, no joining fee, no PCI compliance fees, no minimum monthly usage fee, and no scheme or interchange fees. The company states that the rates it publishes are the ones it applies, without adding extra charges to the transaction rate.

Financial and contractual terms

The site details that joining is free and leaving is also free at the end of the contract. The company indicates that it offers card machines without a contract and with no upfront cost, and that standard contracts have a duration of eighteen months, with flexible options available upon request. The published rates apply only to UK personal debit and credit cards; international, commercial, and non-secure transactions are billed at a higher rate. The website also displayed a seasonal promotion with rates from 0.36%.

Settlements, timelines, and bank compatibility

XEPAY states that payouts are made before 10:00 on the next working day, with no batch fees, and that terminals are delivered within 48 working hours. The machines work with any personal or business bank account, including major banks and new entrants such as Tide and Monzo.

Terminal catalogue

The hardware offering is organised into several options, with free rental for twelve months on the terminal options and a one-time fee for the basic reader:

• Countertop terminal: £11.99, designed for retail businesses, for use from a fixed point.
• Portable Wi-Fi terminal: £12.99, aimed at hospitality, lightweight, with secure PIN entry and a range of up to 100 metres.
• Mobile 4G terminal: £15.99, for pop-up shops, with a roaming SIM card and long-lasting battery.
• Portable Wi-Fi and 4G terminal: £14.99, for retail businesses.
• Card reader: £19 one-time fee and 1% per transaction, for retail businesses.

The twelve-month free promotion applies only to businesses with a fixed premises and not to mobile or portable operations.

Payment methods and EPOS software

In addition to in-person payments, the company allows accepting payments online and by telephone or mail order. For XEPAY customers, it offers XEPOS, an integrated point-of-sale system from £99, developed over six years and aimed at retail, hospitality, takeaway establishments, and other sectors. It also sells a free online ordering system for food and beverage businesses, such as cafés, restaurants, and takeaways.

Sectors served

The site lists a wide variety of businesses to which it directs its solutions: pet stores, florists, clothing stores, pharmacies, home décor, music shops, tobacconists and vape shops, hardware and DIY stores, supermarkets and convenience stores, newsagents, off-licences, bike shops, jewellers, sports shops, computer stores, and outdoor stores. In hospitality, it mentions restaurants, hotels, gyms, sandwich shops, nightclubs, bars and pubs, cafés, delicatessens, bakeries, takeaways, fish and chip shops, kebab shops, Chinese and Indian takeaways, dessert parlours, burger shops, pizzerias, and Italian restaurants.

Declared scale and partner programme

The company reports thousands of customers across the UK, over £5 billion in sales processed each year, more than 250 million transactions annually, and an average saving of 47% for its customers. It has a reseller programme and a business challenge initiative: if it fails to reduce a customer's bill, it offers £500. Telephone support is presented as available 24 hours.

Location and contact

Phone: 0300 303 2331 · Email: info@xepay.co.uk · Hours: Telephone support 24 hours, 7 days a week