BEPI

BEPI: Business Payments, Virtual Cards, And Online Acceptance

BEPI is a UK-based provider offering business accounts, virtual corporate cards, global payouts, and an online payment gateway. Merchants can use BEPI to accept Visa and Mastercard, issue virtual cards for team spend, and move money via UK Faster Payments, SEPA, and 30+ currencies.

What Is BEPI

BEPI provides three core product lines for businesses:

• Bepi Payment Gateway – accept online card payments from Visa and Mastercard

• Bepi Cards – issue and control virtual corporate cards

• Bepi Accounts – business accounts with incoming payments, FX, and payouts

The site describes a combined platform that covers acceptance, card issuing, analytics, and money movement. The company lists a UK registered office in London and offers self-serve sign up plus contact-sales options.

Products And Capabilities

Online Payment Gateway

BEPI’s gateway is positioned for web and app acceptance of Visa and Mastercard. Notable items disclosed on the site:

• Card brands – Visa and Mastercard acceptance

• Checkout options – payment links that can be shared on social platforms, QR codes, and email invoices

• Gateway usage – a customizable gateway for direct website acceptance

• Developers – API access, sandbox for test payments, SDKs and libraries, and plugins

• Analytics – reports for payments and payouts

The homepage highlights a quick path to the developers section and indicates that merchants can start with basic pay-by-link and expand to full API integrations.

Virtual Corporate Cards

The Bepi Cards product lets businesses issue virtual corporate cards for advertising, travel, and everyday spend. The website notes:

• Free card issuance

• Instant account creation

• Spend control and analytics for card usage

The cards are intended for corporate expenses, with management and reporting built into the platform.

Business Accounts, Payouts, And FX

BEPI provides business accounts with the following elements stated on the site:

• Incoming payments – multi-currency account capability, including a “multi-currency IBAN account in UK” reference on one product page

• Payout rails – UK Faster Payments and EUR SEPA

• Currencies – the site references 30+ currencies for sending payments

• FX services – currency exchange with stated “from” fees

The account and payout features are positioned to help merchants consolidate acceptance and disbursements within a single provider environment.

Analytics And Reporting

BEPI lists an analytics system covering:

• Payments and payouts

• Virtual cards

• Instant reports

This suggests a single dashboard that tracks both acquiring and issuing flows, consistent with the product layout seen on the site.

BEPI Pricing And Fees

BEPI publishes headline “from” pricing in several areas:

• Payment processing – from 1.2 percent. One product page references UK cards at 1.2 percent plus 15p

• Incoming payments fee – from 0.5 percent for business accounts

• FX services – multiple currencies FX services from 0.5 percent

BEPI also maintains a dedicated Pricing page that emphasizes tailored pricing and invites merchants to discuss a plan that fits their needs. The published figures appear to be entry points rather than a full, granular tariff. Merchants should expect pricing to vary by factors such as transaction mix, card type, chargeback profile, geography, and volume, and should confirm any scheme or assessment fees, cross-border surcharges, or additional per-item charges during commercial review.

Integration And Developer Experience

BEPI highlights multiple integration paths:

• REST API with JSON – the site notes REST principles and JSON format

• Sandbox – a testing environment for running test payments during setup

• SDKs and libraries – listed for PHP, Java, C#, Node.js, iOS, and Android

• Plugins – described as the fastest way to start accepting card payments

The public site links the developer section from the homepage and product pages. Documentation and downloads are accessible behind JavaScript-rendered routes, and the site indicates instant access to the developers section after account creation.

Accepted Payment Methods

Based on BEPI’s product pages, acceptance is explicitly stated for:

• Card networks – Visa and Mastercard

No other specific alternative payment methods are named on the public pages referenced here. If you require local wallets, bank redirects, or region-specific schemes, validate availability directly with BEPI.

Settlement, Payouts, And Movement Of Funds

The site indicates:

• Outgoing payments – via UK Faster Payments and SEPA

• Currencies – support for 30+ currencies for outbound transfers

• Account options – pooled accounts and dedicated multi-currency IBAN, as stated on a product page

Exact settlement timelines, cut-off times, and funding delays are not detailed on the public pages referenced here. Merchants should request written confirmation of settlement schedules, weekend or holiday processing rules, and payout fees.

Merchant Website Requirements

BEPI publishes Electronic Commerce Merchant website requirements, which outline what merchants should display at checkout and on their sites. Examples include:

• Merchant name and billing descriptor

• Acceptance marks and location

• Customer service contact details and address for correspondence

• Clear description of goods or services with pricing and currency

• Refund, return, and cancellation policies presented before final checkout with an affirmative acceptance action

• Consumer data privacy policy

• Policy for multiple shipments

These requirements align with typical card brand expectations for e-commerce merchants and indicate the information BEPI expects during onboarding and compliance checks.

Security, Compliance, And Licensing

Key regulatory and compliance details visible from official sources:

• FCA authorisation – BEPI LTD appears on the FCA’s lists as an Authorised Electronic Money Institution with Firm Reference Number 941723 and authorisation date 13 December 2021

• Company registration – BEPI LTD is listed at Companies House with company number 12973725 and a registered office address in London

• PCI – a product page states “PCI DSS Compliant.” BEPI also publishes privacy, personal data processing, terms of use, and complaints policy pages

• Payment facilitator references – the site footer states that BEPI Limited is registered as a Payment Facilitator of Mastercard and Visa. Merchants should confirm the acquirer relationship and the scope of any payment facilitator registration during due diligence

As with any PSP, merchants should request up-to-date copies or links to regulatory status, scheme registrations, and PCI validation reports, and verify how safeguarding of client funds is handled under the UK EMI regime.

When BEPI May Fit

Based on the publicly stated features:

• Merchants seeking one provider for card acceptance, virtual cards for corporate spend, and multi-currency payouts

• Teams that prefer pay-by-link and invoice options to get live quickly, with room to move to full API or SDK integrations

• Businesses operating across the UK and EU that need Faster Payments and SEPA for payouts and prefer a UK-authorised EMI

If you require POS hardware, in-person acceptance, local payment methods beyond Visa and Mastercard, or advanced risk and chargeback tooling, validate scope with BEPI since those items are not detailed on the public pages referenced here.

Conclusion

BEPI positions itself as an all-in-one provider for online card acceptance, virtual corporate cards, and business accounts with multi-currency payouts. The site discloses Visa and Mastercard acceptance, a REST API with SDKs and plugins, analytics for payments and cards, and headline “from” pricing for processing, incoming payments, and FX. Compliance and policy pages are public, and UK authorisation as an EMI can be validated on the FCA’s official lists.