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Handepay

A cost conscious payment provider helping small UK businesses accept card payments with transparent fees, next day settlement, and UK based support.

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handepay

What is Handepay?

Handepay is a UK based independent sales organisation (ISO) that offers card payment solutions to small and medium sized businesses. As a reseller of merchant services, primarily using the services of acquirers like EVO Payments, Handepay acts as an intermediary to provide simple, affordable packages with local account management.

Founded in 2006 and based in Merseyside, Handepay focuses on transparency and value. It is well known for its "no hidden fees" approach, promising no PCI compliance charges, authorisation fees, or minimum monthly service charges. For many small businesses, this makes budgeting far simpler.

Handepay supports in-store payments via traditional and mobile terminals, as well as online payments through ecommerce gateways and virtual terminals. Its fast setup, next day payouts, and commitment to UK-based support make it especially attractive to new businesses and merchants switching providers.

Key Features of Handepay

  • Transparent pricing
    Handepay is well known for its no hidden fees approach. Businesses are not charged extra for PCI compliance, authorisation, or monthly service, making it easier to forecast monthly costs and avoid nasty surprises.
  • Card machines for all environments
    Merchants can choose from a variety of terminals including countertop, portable, and mobile devices. All machines are equipped with Chip & PIN, contactless, Apple Pay, and Google Pay compatibility, giving your customers flexibility at checkout.
  • Next day settlement
    Get your funds quickly with next day payouts standard on most Handepay accounts. This improves cash flow and removes the long waiting times seen with some traditional merchant providers.
  • UK based support and account managers
    Every merchant receives local support from dedicated account managers based in the UK. This personal service model ensures quicker responses and better understanding of small business needs.
  • Online payment options
    For businesses needing ecommerce capabilities, Handepay provides secure hosted checkout pages, virtual terminals, and payment gateway integrations. It’s suitable for both phone orders and online sales.
  • Free review and price comparison
    Handepay offers a free statement review service to compare your current costs. They’ll show you where savings can be made and often promise to beat your existing rates.
  • Fast onboarding
    Handepay is known for fast setup times, with many merchants getting approved and transacting in just a few days. This is helpful for new businesses or those switching from another provider.
  • Free terminal installation
    Unlike many providers that charge installation fees, Handepay offers free terminal delivery and setup assistance. This ensures your equipment is correctly configured from day one.

Who Is Handepay Best Suited To?

Handepay is ideal for:

  • Independent retailers, salons, barbers, and cafés
  • Tradespeople and mobile businesses needing portable terminals
  • Startups looking for cost certainty and fast setup
  • Merchants switching from expensive legacy providers

It’s less suited for:

  • Large businesses needing custom integrations or omnichannel payments
  • Platforms or SaaS providers needing APIs and embedded payments

Pricing & How Handepay Compares

Handepay does not publish standard pricing online, as all quotes are based on your business profile and transaction volume. However, they focus on reducing or eliminating common fees that others charge:

  • No PCI DSS charges
  • No authorisation fees
  • No monthly service charges
  • Next-day settlement included

Expect card processing fees to range from 0.5% to 1.9%, depending on your business type and card mix. Terminal rental costs generally range from £15–£25 per month, depending on the model.

Compared to traditional providers like Barclaycard or Worldpay, Handepay is more transparent and easier to understand. Versus aggregators like SumUp, it offers more professional hardware and UK-based service, but does require a merchant account.

Through Compare Card Fees, we can help evaluate your current costs and negotiate a better deal with Handepay or an alternative provider.

Pros and Cons of Handepay

PROS

No hidden fees or PCI charges

UK based service and setup

Fast onboarding and payouts

Cost effective for small businesses

Free terminal installation

Cons

Requires a fixed term contract

Not ideal for large or complex businesses

No built-in EPOS or loyalty software

FAQs about Handepay

What is Handepay?

Handepay is a UK based merchant services provider that helps small businesses accept card payments in-store and online. It offers affordable card machines, transparent pricing, and fast setup, making it a trusted alternative to high street acquirers.

Does Handepay charge PCI compliance fees?

No, one of Handepay’s main selling points is its no hidden fees policy, which includes zero charges for PCI DSS compliance. This helps merchants keep ongoing monthly costs predictable and low.

Can I get next day payouts with Handepay?

Yes, next day settlement is standard with most Handepay merchant accounts. This means funds from your customer card transactions will be deposited into your bank account the following working day.

Is Handepay a direct acquirer?

No. Handepay is not a direct acquirer. It acts as a sales partner (ISO) for larger payment processors, most notably EVO Payments, which provides the underlying acquiring and settlement services.

What types of businesses use Handepay?

Handepay is especially popular with independent shops, hair and beauty salons, tradespeople, mobile vendors, and small cafés. These businesses benefit from its transparent pricing and fast setup.

Does Handepay support ecommerce payments?

Yes. Handepay offers ecommerce payment solutions including hosted checkout pages, virtual terminals, and secure payment gateways. It’s suitable for businesses that also take payments online or over the phone.

Can I switch to Handepay from another provider?

Yes, many Handepay customers move from traditional acquirers or aggregators. Handepay provides a free cost comparison and will assist you in switching your terminal and merchant account setup with minimal disruption.

Is there a contract with Handepay?

Yes, most Handepay agreements are 12 to 36 months long. While the exact term depends on your package, it’s important to review any early exit fees or minimum term clauses before signing.

Is Handepay cheaper than my current provider?

Potentially. Handepay aims to beat competitors on cost, and many businesses save money by switching. They offer a free review of your current statements to identify savings.

Can Compare Card Fees help with Handepay pricing?

Yes, we can benchmark your current fees and negotiate with Handepay on your behalf to ensure you get the most competitive deal for your business needs.

Is Handepay Right for Your Business?

If you’re a small business owner looking for affordable, no nonsense card payment solutions with next day settlement and dedicated UK support, Handepay is a strong contender. Its focus on fee transparency and fast setup makes it ideal for startups and sole traders.

For larger or more complex payment needs, other providers may offer greater flexibility. But for face to face merchants who value service and simplicity, Handepay is well worth considering.

Still exploring options? Compare UK payment providers here to find the best fit for your business.

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