PayPoint

PayPoint: What Merchants Need To Know Before You Integrate

If you operate in the UK and need a practical way to accept cards in store, take online and in-app payments, or offer cash services that drive footfall, PayPoint is a provider worth evaluating. PayPoint serves retailers, SMEs, and brands with multichannel payments, card acceptance, and retail services across a large UK footprint.

Who PayPoint Serves And Where It Fits

PayPoint focuses on UK merchants that want a single partner for retail services and payments. Typical use cases include:

• Convenience and independent retail: integrated card payments, EPoS, ATMs, Counter Cash, parcel services, SIMs, and bill payment services that increase store visits.

• Billers and public sector: in-store cash acceptance for utilities, government, and charities, complemented by online payment links and APIs.

• Ecommerce and app-based businesses: card payments, tokenization, recurring billing, 3-D Secure, and Pay by Bank via Open Banking.

The group also operates a nationwide network of terminal sites across the UK, giving brands and retailers access to payments and complementary services at scale.

Card Acceptance In Store

Acquiring Model And Partnerships

PayPoint provides integrated card payments for retailers but is not itself the card acquirer. Acquiring is delivered through Lloyds Bank Cardnet, with PayPoint acting as the integrated service and device provider. This partnership underpins card processing for PayPoint’s retail network and supports a uniform onboarding and support experience for merchants.

Hardware And EPoS

Retailers can accept contactless, chip and PIN, and mobile wallets through PayPoint’s device portfolio and EPoS integrations:

• PayPoint Mini: an all-in-one handheld POS device designed for fast-paced retail, combining PayPoint services and card acceptance in a compact form factor.

• PayPoint One and Connect: integrated solutions that tie PayPoint services into third-party EPoS partners, simplifying operations for stores with existing tills.

Settlement And Operations

For eligible merchants processing through the Lloyds Bank Cardnet arrangement:

• Next business day settlement is available at no extra cost, subject to file submission and value limits defined in the acquiring agreement.

• Net settlement can simplify reconciliation by offsetting fees against takings.

• Retailers get 24/7 support and next-day hardware replacement as standard.

PCI DSS And Compliance Support

PayPoint states it is PCI DSS Level 1 Service Provider certified and can provide its Attestation of Compliance upon request. PayPoint also offers a PCI portal designed to help retailers complete their obligations more easily.

Cash Access And Footfall Drivers

PayPoint’s retail services can complement card acceptance by increasing store visits:

• ATMs: hosted cash machines that can draw footfall and provide commission opportunities.

• Counter Cash: over-the-counter cash withdrawals and balance checks at the till.

• BankLocal and cash deposit: rollout with banking partners to enable consumer cash deposits at thousands of locations.

• Bill payments and top-ups: in-store flows for utilities and other services that bring recurring visits.

These services are relevant for convenience stores and community retailers that want to diversify revenue while providing essential local services.

Online And In-App Payments (MultiPay)

PayPoint’s MultiPay platform provides APIs and hosted components for online and app-based businesses. Key capabilities include:

• Card payments: REST APIs over HTTPS with TLS 1.2, asynchronous callbacks, and JSON payloads for authorizations and captures.

• Tokenization and credentials on file: store payment details as tokens for one-click returns and recurring use cases.

• 3-D Secure: customer authentication flows with a resume step to complete authorization after challenge or frictionless outcomes.

• Recurring and installments: a Payment Scheduler API to create, manage, and update recurring schedules.

• Pay by Bank (Open Banking): initiate one-off bank transfers with redirect flows to the bank payment page and a resume call to confirm completion.

• Hosted Field option: tokenize card data in a PCI-scoped field hosted by PayPoint to reduce your own PCI exposure.

• Customer management and SSO: identity service, master login, and APIs for managing customers, stored cards, and transaction history.

• PayByLink: create pay-links for remote and invoice-style collections without full checkout integration.

• Confirmation of Payee/Payer: services to verify account details and reduce misdirected payments in bank transfer flows.

For development teams, PayPoint offers a sandbox developer portal with documentation, API keys, and example flows to accelerate testing prior to production onboarding.

How Pricing Works

PayPoint positions card rates as competitive with no hidden fees when processing via its Lloyds Bank Cardnet partnership. Pricing can vary by merchant profile and turnover, and PayPoint provides an indicative quote tool for retailers to see sample charges before they speak to sales. For online integrations, pricing and commercial terms depend on product mix (cards, Open Banking, Direct Debit, PayByLink) and onboarding scope.

Reporting And Merchant Tools

• Merchant Mobile App: a mobile app provides transaction lists, sales insights, date filters, and per-transaction drill-downs for multi-terminal estates.

• Online portals: for EPoS users, reporting and VAT summaries are available within the PayPoint back office portal.

• Data products and events: developers can consume transaction history APIs and event streams to synchronize payments into their own dashboards and CRMs.

Security And Risk Controls

• PCI DSS: PayPoint states Level 1 Service Provider status and annual certification, with an Attestation of Compliance available on request.

• 3-D Secure: support for SCA and liability shift where applicable.

• Confirmation of Payee: bank-transfer verification to mitigate mis-keyed account numbers.

• Tokenization: reduces exposure to raw PAN data and supports credentials-on-file rules for recurring and installments.

Merchants should still implement device controls, user access management, and chargeback monitoring, and follow card scheme rules for recurring transactions.

When PayPoint Is A Good Fit

Choose PayPoint if you need:

• A unified provider for UK in-store card acceptance plus cash and bill-payment services that drive footfall.

• Fast settlement and consolidated reconciliation with net settlement options.

• Developer-friendly online payments with tokenization, 3-D Secure, recurring schedules, and Pay by Bank.

• Retail hardware and EPoS designed for convenience and community retail, including mobile all-in-one devices.

• Scale across a large UK network, with opportunities to add ATMs, parcel services, and loyalty programs over time.