Choose a modern, reliable card machine with no contract, no hidden fees, and the lowest rate in the UK.
Cancel anytime by returning the terminal.
Same ultra-low fees, same no-contract freedom — just pick the terminal that suits you.
Stop losing margin to high fees — pay just 0.49% on every transaction.
Simple. Transparent. No contract.
Yes. XEPAY offers a genuine no contract option, giving you the flexibility to use our card terminals without being tied into a long-term agreement. If you decide to stop using the service, simply return the terminal and email our cancellations team to close your account.
Our 3 months free offer is available when you choose a 12 or 18-month agreement with XEPAY. If you prefer complete flexibility, you can still use our no-contract option without a long-term commitment.
No. The 0.49% rate applies only to eligible UK-issued personal debit and personal credit cards. Different rates may apply to commercial cards, corporate cards, business cards, premium cards, international cards, and other card types. Our team will provide a full pricing guide before you sign up so you know exactly what to expect.
No. We believe in transparent pricing. You’ll receive a clear breakdown of all applicable charges, including transaction rates, the 1p authorisation fee, and any optional services before your account is activated.
Yes. A standard 1p authorisation fee applies to each successful card transaction. This is charged separately from your transaction rate.
Yes. We offer 4G-enabled payment terminals, allowing you to accept card payments wherever there’s a mobile network connection.
In most cases, eligible transactions are settled the next working day, helping you maintain healthy cash flow.
Once your application has been approved, your payment terminal is typically delivered within 48 hours.
No. We do not charge a setup fee for eligible payment terminal packages.
Simply complete our online enquiry form or contact our sales team. We’ll discuss your business needs, recommend the right solution, and guide you through the setup process.
Our terminals accept all major debit and credit cards, including Visa, Mastercard, American Express (subject to merchant approval), Apple Pay, Google Pay, and other popular contactless payment methods.
Yes. Switching is quick and straightforward. Our team will guide you through the process and help make your transition as smooth as possible.
Cancelling is simple. Return your XEPAY terminal and send an email to our cancellations team requesting account closure. Once the equipment is received and your request has been processed, your service will be cancelled.
Yes. Our payment terminals can support tipping and service charge options, making them ideal for restaurants, cafés, salons, and hospitality businesses.
At the end of your trial, you can continue using your payment terminal under the agreed plan or discuss alternative options with our team if your business needs have changed.
Yes. Our payment solutions can integrate with a wide range of compatible EPOS systems to streamline payments and business operations.
Yes. Our terminals support refunds, and cashback functionality may be available depending on your merchant account and business type.
Yes. Our UK-based support team is available to help with setup, technical assistance, and account-related questions.
Absolutely. Whether you operate a single location or multiple sites, we can provide multiple terminals to suit your business requirements.
