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Card payments that cost less. Every single day.

SandPay helps UK businesses cut their card processing fees with low transaction rates, next-day settlement and award-winning terminals — without the hidden charges.

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✓ No hidden fees ✓ Next-day settlement ✓ UK-based support
£24.50

Why businesses switch to SandPay

Low transaction rates

Rates tailored to your business, with savings from your very first transaction. If you're paying too much, we'll show you exactly how much you could keep.

Next-day settlement

Your money in your account the next business day — because cash flow shouldn't wait for your provider.

No hidden fees

One clear monthly statement. No PCI surprises, no minimum monthly service charges buried in the small print.

Real human support

UK-based support, 7 days a week. Talk to a person, not a phone menu.

See how SandPay compares

How we stack up against Square and SumUp on the features that matter most to your business.

Feature SandPay Square / SumUp
Card Machine Included £19–£29/month
Monthly Rental Included £19–£39/month
Transaction Fees Low bespoke rate 1.4%–1.75%
Authorisation Fees None 1p–3p per transaction
PCI Compliance Fees None None (most modern providers)
Minimum Monthly Fees None (No Use, No Bill)* £10–£35/month
Settlement Speed Next Day 1–3 days
Contract Length 18 months* 12–24 months
Cancellation Fees None £100–£500
24/7 Support Included Extra cost

*SandPay operates on a "No Use, No Bill" policy — there's no minimum monthly service charge. If you don't process any transactions in a month, you won't receive a bill.

Calculate your savings

Move the sliders to match your current setup and see your estimated annual saving with SandPay.

1.75%
0.5% 3.5%
£10,000
£1,000 £50,000
Your current annual cost £2,100
With SandPay £1,188
Estimated annual saving £912
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A terminal for every counter, table and van

Countertop

The classic. Reliable, fast and perfect for shops and salons.

From £15/month
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Portable

Take payment at the table or across the shop floor over Wi-Fi or 4G.

From £20/month
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Mobile

Pocket-sized card reader that goes wherever the job takes you.

From £10/month
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Switching is simpler than you think

1

Tell us about your business

Fill in the 60-second form below — it just takes a minute.

2

Get your tailored quote

We compare your current costs and show your savings in plain English.

3

Start saving

We handle the setup and switch. Most businesses are live within days.

Frequently asked questions

Often, yes. Tell us who you're with and how long is left, and we'll talk you through your options — including whether it's worth switching now or timing it for when your contract ends.
With SandPay you get next-day settlement as standard — your funds arrive in your bank account the next business day, every day.
None. You'll receive one clear monthly statement. No PCI compliance fees, no minimum monthly service charges, no surprise add-ons.
We work with businesses of all shapes and sizes — retail, hospitality and food, hair and beauty, trades and services, e-commerce and many more.
For most businesses, the whole process takes just a few working days from your approved application to your first transaction.

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See how much you could save with SandPay.

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