The Payments Co.

The Payments Co. Overview For Merchants

The Payments Co. is a UK-based payment services provider that helps businesses accept in-person and online payments through a mix of card machines, hosted online payments, Pay by Link, virtual terminals, mobile phone payments, unattended terminals, and EPOS. The company operates through partnerships with acquiring banks and technology vendors, offers multi-currency and recurring billing support, and positions its hosted payment options to reduce merchants’ PCI DSS scope.

The Payments Co. At A Glance

• Headquarters and Registration: Registered in England under company number 10614203 with a London office at Waterfront Studios, 1 Dock Road, E16 1AH.

• Operating Model: Delivers payment acceptance via its own interfaces and through acquiring and technology partners.

• Coverage: Serves startups, SMEs, and corporate or enterprise merchants across many verticals.

• Support: Customer support based in the United Kingdom.

Core Products And Channels

Card Machines

The Payments Co. supplies countertop, portable, and mobile Android-based POS terminals suitable for fixed locations and mobile use cases. Terminals connect via Wi-Fi, Bluetooth, Ethernet, 3G or 4G depending on the model. The provider highlights lightweight hardware, long battery life, on-device receipt printing and emailing, and the ability to accept a wide range of payment methods including card and mobile wallets. It partners with recognized terminal manufacturers such as Verifone, Ingenico, PAX, Castles, and Nexgo.

Online Payments

For ecommerce and remote commerce, The Payments Co. offers a Hosted Payment Solution that presents a customizable, mobile-friendly checkout page designed to maximize conversion while minimizing PCI DSS compliance obligations. The hosted solution supports acceptance of “all major payment methods” and integrates with “100+” shopping carts and website platforms. Reporting tools are included to manage transactions and reconciliation.

Virtual Terminal

A browser-based Virtual Terminal enables Mail Order and Telephone Order (MOTO) payments without additional hardware. Key merchant-facing functions include auto-validation of card details during entry, the ability to schedule future payments during the initial transaction, multi-user access with audit trails, and a consolidated dashboard for transaction management. The solution references “30+” fraud checks to help reduce card-not-present risk.

Pay By Link

Pay By Link allows merchants to generate payment links from a partner merchant portal and send them by email or message to request payment without a website, payment gateway, or terminal. Links can be created “in less than 1 minute,” and funds are collected in real time via acquiring partners.

Mobile Phone Payments

The Payments Co. offers a softPOS style solution for Android phones and tablets that turns compatible devices into contactless points of sale. This is positioned for pop-ups, field services, festivals, and other mobile environments.

Unattended Terminals

For self-service environments, The Payments Co. supports unattended terminals suitable for ticketing, self-checkout, vending, and forecourt use cases. The company provides integration and configuration with acquiring and technology partners and recommends interactive interfaces intended to withstand environmental factors while increasing sales.

EPOS

The provider offers both standalone and integrated EPOS options. Standalone EPOS is aimed at simple point-of-sale operations, while integrated EPOS connects with other business systems such as accounting or CRM to centralize sales, inventory, and customer data.

Features And Capabilities

Payment Methods And Carts

• Acceptance of major card brands and mobile wallets is emphasized across product pages.

• Online payments can be connected to over 100 shopping carts and website builders, which simplifies deployment for common ecommerce stacks.

Fraud Management

• The hosted online payment flow references a “powerful suite of fraud tools,” and the virtual terminal highlights “30+ available checks,” indicating layered risk controls for card-not-present transactions.

PCI DSS And Data Handling

• The hosted payment page is framed as a way to reduce PCI DSS cost and scope by keeping cardholder data off the merchant environment.

• The company indicates that card details can be stored securely on its systems for future transactions and recurring billing, aligning with vaulting use cases.

Recurring Billing And Multi-Currency

• The company page notes support for recurring billing and multi-currency, useful for subscription models and cross-border commerce.

Reporting And User Controls

• Merchant portals and reporting tools provide transaction histories and reconciliation support.

• Multi-user access with audit logging is available in the virtual terminal to support operational oversight.

Integration Approach

• The Payments Co. states it can provide API details to integrate with a merchant’s existing provider where needed, and it works “in conjunction with leading payments providers,” indicating flexibility in mixed-stack environments.

Industry Coverage And Use Cases

The site lists a broad set of verticals where these solutions are commonly deployed, including coffee shops, restaurants, bars, gyms, hotels, retail, petrol stations, florists, furniture, educational institutions, and travel. Unattended kiosks and vending, mobile pop-ups, and field services are also explicitly addressed through softPOS and unattended products.

Pricing, Contracts, And Settlement

• The Payments Co. emphasizes low charges and no hidden fees across multiple pages, but it does not publish rate tables.

• The company invites merchants to contact its team to “calculate specific rates.”

• For online pricing exploration, the product pages link to an Online Quotation Tool hosted by a partner acquirer, allowing merchants to generate an indicative quote.

• Pages for SMEs and enterprise mention flexible settlement options, indicating configurable funding timing in coordination with partners.

• Because pricing, funding schedules, and contract terms depend on merchant profile and partner setup, merchants should expect a tailored quote after underwriting.

Onboarding And Support

• The site stresses easy setup for terminals and online channels and highlights 24/7 customer service.

• UK-based support teams are mentioned, along with a direct London contact number.

• The Pay by Link and Virtual Terminal options allow quick activation for remote payments without code changes, which can be helpful for new or transitional use cases.

Compliance And Security Considerations

• Hosted payments and virtual terminal flows are positioned to reduce PCI DSS scope for merchants by avoiding direct handling of cardholder data. Merchants remain responsible for completing the appropriate SAQ level and for secure operations around any systems that touch payment data.

• The provider stores data on servers in GDPR-compliant locations and signposts the UK Information Commissioner’s Office as the regulator for privacy complaints.

• For card-present environments, usage of established terminal vendors and acquiring partners aligns with industry practice around device and transaction security.

Where The Payments Co. Fits Best

Best fit

• Merchants that want a single point of contact to stand up both in-person and online acceptance quickly.

• Businesses that prefer hosted checkout to shorten PCI validation and benefit from fraud tools and shopping cart integrations.

• Mobile or pop-up operators needing Android softPOS without buying new hardware.

• Operators deploying unattended kiosks or vending with partner-led integrations.

Potential limitations to evaluate

• Public pricing is not listed. Merchants must request a quote or use the partner quotation tool to estimate fees.

• Capabilities such as settlement timing, cross-border features, and specific alternative payment methods will depend on the underlying acquiring partner and contract.

• Detailed developer documentation is not published on site; merchants needing custom integrations should confirm API access and responsibilities during scoping.