About PayaCardServices
Overview
PayaCardServices is a UK-based merchant services provider operated by Acceptacard Limited (UK company registration 06910204). The company was founded in 2009 and is headquartered in Northampton, England. It trades under the PAYA Group brand and was previously known as Acceptacard.
Products & Services
PayaCardServices offers countertop, portable, and mobile card machines along with online payment options including e-commerce integrations, virtual terminals, payment buttons, and invoice links. Supported payment methods include Visa, Mastercard, American Express, Google Pay, and Apple Pay. The company's first product was Payatrader, and the wider PAYA Group portfolio also includes PayaCharity, LibertyPay, QixPay, and sector-specific brands such as Payataxi, Payaprofessional, Payastore, and Payamobile. PayaCardServices is registered with the UK Financial Conduct Authority as a small payment institution (firm reference 617090).
Pricing
Processing Rates
PayaCardServices publishes a range of rates on its website. Reported swiped (card-present) rates are 2.5% plus £0.30 or 2.95% plus £0.30 per transaction, and reported keyed-in rates range from 2.3% plus £0.30 to 2.95% plus £0.30. For high-volume merchants, rates are reported to start from approximately 0.80% on credit cards and 0.44% on debit cards. Expert reviews note that the published rates may reflect the lowest available pricing rather than what a typical merchant will actually pay.
Monthly and Equipment Fees
Reported recurring costs include a £20 monthly gateway fee and an optional £99 setup fee that may be waived. The POS to GO terminal is reported to cost £69 per month or £799 to purchase outright, and standard equipment leases are reported to start from £13 per month with no early termination fee.
Other Fees
A £25 administration charge per chargeback is reported. PayaCardServices is described as offering short-term and pay-as-you-go plans rather than long-term contracts, with flexible rates depending on transaction volume.
Contact
Ownership/Leadership: Bill Thomson
Address: 7 Brookfield, Duncan Close, Moulton Park, Northampton, NN3 6WL, UK
Phone: 0333 123 1246
Website:payacardservices.com
Recent User Reviews
Formerly know as Sage it allowed 2 crooks I sold my business to request a form from Paya to change banks it was 1 page without any review my name was forged and misspell as a result the IRS claimed the $650,000 that went through that a account I was told it was earned income and I owed 200k. The processor Paya would do not a Damm thing to help me out with this issue. Many years I paid them between 125 and 150k$. They had the ability to contact the bank where the money was deposited and verify that it was not my account but they chose to do nothing. I emailed them dozens of times and spoke to them but they realized they screwed up and did not want to be liable. I would of sued but I had to fight with the IRS for 4.5 years so the statute of limitations ran out.