Why Choose Payatrader?


Traditionally, accepting credit & debit cards has been expensive for small businesses - particularly where transaction volumes are low.

Our arrangements with the world’s largest merchant acquirers mean that we can offer competitive rates, with no monthly fees. So if you don’t have any card transactions in a particular month you won’t incur any charges.

Another reason why Payatrader is so popular, is because our rates automatically reduce as your card turnover increases - without you having to ask!

You can open a Payatrader account for just £99.00 with transaction fees from 2.30%. Alternatively, you an opt for a FREE Payatrader Lite account. Please see our Pricing Menu for further details.


Pay As You Go

Designed for start-ups and businesses that take less than £25,000 per year in card payments or that prefer to pay only when the service is used. Join today to benefit from:

  • Online quote and application
  • Low rates from 2.3%
  • No monthly fees
  • No minimum usage charges
  • No minimum contract term
  • Single rate for all card types*
  • Inclusive multi-channel processing
  • Weekly settlement
  • PCI fees included
  • Option to add Chip & PIN
  • Option to upgrade to our Direct Merchant Account

* Except Amex


One of the unique features of Payatrader is everything is included, which means you can accept a payment using any channel without incurring extra fees*

  • Online at your website
  • Online at any 'Paya' website
  • By telephone using the FREE Virtual Terminal
  • Email or Invoice links
  • Using our 24/7 Contact Centre
  • There's also an option to add a low cost Chip & PIN terminal for face-to-face payments from only £2.50 per week.

Account branding

Payatrader is provided and managed by Acceptacard Limited. Once your account is open you have the option to change the account brand to better align with your business - choices include Payatrader (default), Payaprofessional and Paya Card Services.

Larger Business?

Our new Pay Monthly Direct Merchant Account is perfect for businesses with higher card turnovers or that prefer to have their own merchant account. It offers competitive rates from 0.44% for debit cards and 0.80% on credit cards.

If you're taking card payments worth more than £25,000 each year you could be better off. To find out more, please visit payacardservices.com or call us on 0333 123 1243

Or If you'd like an instant Online Quote, click the big button now!

Larger Business?