What transaction rate will I pay?

Rates start from 0.30% and are determined by your business type, monthly volume, and average transaction value. We will give you an exact rate in your quote — no obligation.

When do I receive my funds?

Next working day as standard. Funds are settled directly to your nominated business bank account, so you always have full visibility of incoming payments.

Is there a monthly fee or minimum?

No monthly fee and no minimum transaction volume. You only pay when you take a card payment. No standing charges, no surprises on your statement.

What if a customer disputes a payment?

We provide chargeback support and help you gather the evidence needed to dispute unfair chargebacks. Our team guides you through the process from start to finish.

Can I take payments online as well as in-store?

Yes. Our payment infrastructure supports in-store PDQ terminals, online checkout via our gateway, and virtual terminals for phone or mail-order payments. All from one account.

How long does onboarding take?

Most businesses are approved and processing payments within 24–48 hours. We handle the compliance checks and setup — you just start taking payments.

Card Payments Made Simple

Accept payments in-store, online, and over the phone — fully integrated into Utility Umbrella.

💳PDQ Machines

🌐Online Payments

📞Phone Payments

⚡Fast Settlement

🔒PCI Secure

📊Live Dashboard

💳 Payment Solutions

Everything you need to get paid

Simple setup, transparent pricing, and full visibility across all transactions.

💳PDQ MachinesCard Payments

🌐Online PaymentsE-commerce

📞Phone PaymentsSecure MOTO

📊ReportingLive Data

Get Started →View Deals

No setup fees · UK support · Instant onboarding

Payment Solutions Built for Every Business

Accept payments in-store, online, or over the phone — all in one secure platform.

Best for Retail & Hospitality

PAX A920 Smart Terminal

Premium in-person payment device designed for fast, secure and reliable transactions anywhere.

📡

Always Connected

4G + WiFi support

💳

All Payment Methods

Chip, contactless & wallets

⚡

Fast Settlement

Next-day payouts

Get PDQ →

PAX A920 Smart Terminal

Secure Payment Active

£24.00

Tap, insert or swipe

Payment Approved

Processing in real-time

Next-day payout

📊 Live Rate Calculator

Estimate Your Card Processing Rate

Adjust your monthly card volume to see estimated rates, savings, and approval likelihood.

Estimated Monthly Card Transactions£10,000

£500£5,000£100,000+

Estimated Rate

1.19%

Pricing Tier

Business

Savings vs Stripe

£71

Approval Likelihood

High

Why rates change

📊

Higher volume reduces risk profile

⚡

Improved transaction stability

🏦

Better interchange qualification

🔒

Underwriting optimisation

*Estimates are indicative and subject to underwriting review. Minimum rate floor: 0.30%

Start Taking Payments in 24–48 Hours

Fast onboarding with secure verification and instant setup.

01📋

Apply Online

Submit your business details in minutes.

02🔐

Secure Verification

Bank-level KYC checks to protect your business.

03✅

Instant Approval

Most businesses approved within 24 hours.

04🚀

Go Live

Start accepting payments immediately.

No long contracts

Fully managed setup

UK support

Fast payouts

Why Businesses Switch to Utility Umbrella

Lower fees, faster payouts, and full control — without complexity.

Utility UmbrellaStripe / Worldpay

Card RatesFrom 0.3% + Interchange1.5% – 2.9% + fees

Payout SpeedNext-day settlement2–7 days

PricingNo hidden feesComplex tiers

SupportUK-based teamTicket-based

HardwareIncluded & configuredExtra cost

Businesses processing ~£20,000/month typically save £420+ every month. Switch & Save →

Trusted by Growing Businesses Across the UK

Real businesses reducing fees, improving cash flow, and scaling with confidence.

Verified Merchant

"Switching from Stripe made an immediate difference. Lower fees and faster payouts — exactly what we needed."

£380/mo savedNext-day payouts

Verified Merchant

"The onboarding was smooth and approval came through quickly. The virtual terminal has been a game changer for our phone orders."

Approved in 18hPhone payments enabled

Verified Merchant

"We were overpaying without realising it. Now everything is clearer, and support actually responds when we need them."

£520/mo savedFaster support

Common questions

What rate could you get?

Tell us your monthly card turnover and we will give you an exact rate. No obligation.

Get a free quote