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A real UK team behind every accountSpeak to a person, not a chatbot

Take payments in a heartbeat. Settle them with certainty.

Everything a busy restaurant, shop or small business needs to get paid and manage the money, in one place. Card payments, business banking, and a named UK account manager who actually picks up the phone.

Get your card machine Meet your account manager
Sub-secondAuthorisation speed
Next daySettlement as standard
24/7Real UK support
Warm, busy restaurant interior with diners and staff
£240M+
Processed every month
Live TransactionPROCESSING
Card tapped£48.50 contactless
+0ms
AuthorisedBank approved, encrypted
+340ms
ConfirmedReceipt issued
+710ms
Settled to your accountCleared funds, next day
Next day
Chip & PINContactlessEcommerce gatewaysBusiness IBANsPrepaid cardsCorporate expense cardsApple Pay & Google PayNext-day settlement Chip & PINContactlessEcommerce gatewaysBusiness IBANsPrepaid cardsCorporate expense cardsApple Pay & Google PayNext-day settlement
What we do

Everything works together, so you can focus on customers.

Brilliant in-person and online payments, paired with proper business banking. One account, one team behind it, built for the businesses on your local high street.

A small business owner serving customers at a counter

Merchant Services

Accept every way your customers want to pay, in store and online, with hardware and gateways that just work.

Chip & PINContactlessApple & Google PayEcommerce gatewaysPAX A920
A warm restaurant table laid for service

Business Banking

Run the money side of your business in one place, with full UK IBANs, cards and control.

Business IBANsPrepaid cardsExpense cardsSend & receiveSpend controls
The hardware

The PAX A920, ready to trade.

The same trusted Android terminal you have seen on the best high streets, supplied set up, branded and ready to take its first payment the moment it is out of the box.

01
Sharp HD touchscreenFast menus, digital receipts and tipping built in.
02
All-day battery, 4G and Wi-FiTake payments at the table, the door or the market.
03
Chip, PIN and contactlessEvery card and wallet your customers carry.
04
Built-in receipt printerNo add-ons, no clutter, one neat device.
TAP TO PAY
APPROVED
£48.50
Payment successful
The full toolkit

Every way to get paid, under one roof.

From the countertop to the kitchen to the checkout page, pick the products that fit how your business actually trades. Mix and match, all on one account.

Card Machines

The trusted PAX A920, supplied set up and branded. Countertop or handheld, chip, PIN and contactless out of the box.

  • 4G and Wi-Fi, all-day battery
  • Built-in receipt printer
  • Ready to trade in minutes

Ecommerce Gateway

Sell online with a secure payment gateway that plugs straight into your website and shopping cart, with developer-friendly docs.

  • Hosted, secure online checkout
  • Plugins for popular platforms
  • One dashboard with your in-store sales

Business Banking

A dedicated UK business IBAN that sits right alongside your payments, so the money coming in and the money going out live in one place.

  • Dedicated UK business IBAN
  • Send, receive and hold funds
  • Your takings, settled next day

Prepaid & Expense Cards

Prepaid cards and corporate expense cards for you and your team, with full visibility and control over every penny that goes out.

  • Issue cards to staff in minutes
  • Set limits and track every spend
  • Top up and freeze instantly

SoftPOS

Turn the phone in your pocket into a card machine. Tap to pay on Android and iPhone, with no extra hardware to buy.

  • Accept contactless and mobile wallets
  • No terminal cost, ideal on the move
  • Works on the devices you already own

EPOS

A full till system that brings sales, stock, staff and reporting together in one cloud-based place you can reach from anywhere.

  • Real-time stock and low-stock alerts
  • Staff roles, hours and reporting
  • Kitchen-ready receipts and analytics

Pay by Link

Take payment from anywhere. Send a secure link by text, email or WhatsApp and get paid without the customer ever being in the room.

  • No website or integration needed
  • Perfect for deposits and invoices
  • Secure, hosted checkout page
PCI DSS compliantCard data secured to standard
Live in 48 hoursExpress boarding in 3 to 4 hours
Next-day settlementCleared funds, as standard
Bank-grade encryptionEnd to end on every payment
All major cards accepted VISA AMERICANEXPRESS JCB Pay Pay
Next day
Money in your account
48 hrs
Up and running, or faster
1
Named account manager
24/7
Real UK support
How it works

Live in days, not weeks.

A simple, human onboarding. Your account manager handles the heavy lifting so you can keep running your business.

1

Talk it through

A quick call with a real UK adviser to understand how your business takes money.

2

Get set up

We configure your PAX A920, gateways and business accounts to fit your trade.

3

Start trading

Plug in, tap a card and take your first payment the same day it arrives.

4

We stay close

Your named account manager checks in, optimises rates and is one call away.

Your business, in your pocket

Know exactly how the day is going.

Every sale, every settlement, every card, in one app. Watch the takings roll in, pull settlement reports for the books, and keep a finger on the pulse of your business from wherever you are.

Live sales and trendsSee takings update in real time and spot your busiest hours.
Next-day settlement reportsDownload daily and monthly reports for bookkeeping and forecasting.
Full transaction historySearch every payment, refund and payout in seconds.
Get it onGoogle Play
Download on theApp Store
Good eveningThe Corner Kitchen
TODAY'S TAKINGS
£3,184.50
142 payments · settles tomorrow
Contactless14:32 · Visa
+£48.50
Pay by Link14:08 · Deposit
+£120.00
SoftPOS13:51 · Mastercard
+£27.90
People talking together in a warm cafe setting
SR
Sarah ReynoldsYour dedicated account manager
Based inUnited Kingdom
Available24 hours, every day
Reaches youDirect line & email
Call Sarah nowNo bots. No menus. No queue.
The Pay Alliance difference

A real human. In the UK. On your side.

Other providers hide behind a chat window. We give every single account a named manager you can phone directly, someone who knows your name and your business.

One named account managerThe same person every time, no tickets, no starting over.
UK based, never offshoreReal people in the UK who understand UK business.
Open 24/7Late night kitchen or early market start, we answer.
Business banking

Get paid. Hold it. Spend it. All in one place.

Business IBANs, prepaid cards and corporate expense cards that sit right alongside your card machine, so the money you take is the money you control.

Open a business account Ask about cards
A restaurant table set for service
Loved by UK businesses

Trusted by the places you know.

Restaurants, takeaways and shops across the country run their payments on Pay Alliance. Here is what a few of them say.

"They took the time to understand exactly how my restaurant runs and set everything up around it. Having one person I can actually phone makes all the difference."

AS
Amit SinghOwner, Tandoori restaurant

"The money lands the next day, every day, and I can see everything in the app. Moving over from my old provider was a lot easier than I expected."

RC
R. ChowdhuryOwner, Indian cuisine

"Their rates were genuinely competitive and the support is UK based. Whenever I call, I get a real person who already knows my account."

LH
L. HussainOwner, high-street retail
Good to know

Frequently asked questions.

Once your account is approved, most businesses are up and running within 48 hours on our standard boarding process. If you need to move faster, our express boarding can have you trading in as little as 3 to 4 hours.

Next-day settlement comes as standard. You can monitor the previous day's takings in your dashboard and download daily and monthly settlement reports for your bookkeeping and forecasting.

Yes. We are PCI DSS compliant and every payment is protected with bank-grade, end-to-end encryption, so sensitive cardholder data is kept secure at every step.

Every account is assigned one named, UK-based account manager. The same person, every time, on a direct line, available 24/7. No tickets, no menus, no overseas call centre.

That is the idea. Card machines, SoftPOS, EPOS, Pay by Link, an ecommerce gateway and business banking all run from one account, so however your customers want to pay, in person, online or on the move, you are covered.

We focus on quality service for low-risk businesses such as restaurants, takeaways, cafes, retail shops and small service businesses across the UK. If you are not sure whether we are a fit, just ask and we will tell you straight.

Get started

Let's get you taking payments.

Tell us a little about your business. A real UK adviser, not a chatbot, will be in touch the same day to set you up.

020 3523 0208Speak to a human, 24/7
hello@payalliance.ukWe reply the same working day
United KingdomProudly UK based and UK staffed
Thanks, your account manager will call you today.

No obligation. No overseas call centres. Just a real conversation.