Accept card payments with a modern, reliable XEPAY terminal with £0 upfront cost, no setup fees, no monthly rental and no hidden charges.
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.
Everything you need to start accepting card payments quickly.
Free Card Machine. No Monthly Rental. Next-day payouts.
Yes. Eligible UK businesses can receive a XEPAY card machine with £0 upfront cost and £0 monthly terminal rental for the initial offer period.*
After the initial offer period, standard terminal rental charges may apply.
The FREE card machine offer applies for the first 12 months only*. After this period, standard terminal rental charges will apply according to your agreement.
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.
Yes. XEPAY offers competitive rates based on your business requirements and transaction volumes.
Merchants processing over £50,000 per year may qualify for reduced processing rates, with rates available from as low as 0.3%, subject to eligibility and agreement.
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.
After the initial 12-month FREE terminal rental offer period, your card machine will revert to the standard terminal rental charges for the remainder of your agreement.
However, businesses processing higher volumes may qualify for additional benefits. Merchants processing over £100,000 per year may be eligible to continue receiving free terminal rental in subsequent years, subject to agreement.
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.
No. XEPAY provides flexible payment solutions with transparent pricing. Your agreement details, including any applicable rental charges after the offer period, will be clearly explained before activation.
Yes. Our payment terminals can support tipping and service charge options, making them ideal for restaurants, cafés, salons, and hospitality businesses.
Yes. XEPAY card machines are built with open API connectivity, allowing them to integrate with a wide range of EPOS systems and business software.
Whether you use XEPOS or another compatible EPOS platform, our payment solutions can connect seamlessly to help streamline your sales and payment process.
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.
Cancelling is simple. Just return your XEPAY terminal and send a cancellation request to our support team. Once we receive the equipment and process your request, your account will be closed and no further charges will apply.
