Solutions shaped around your business
How you accept payment depends on how you sell. Here is what the setup looks like for the most common sectors.
E-commerce
WooCommerce, Shopify, PrestaShop, Magento and custom platforms.
Hotels and guest houses
Pre-authorisations, deposits and payment on check-in.
Restaurants and bars
Mobile terminals at the table, tipping and bill splitting.
Retail stores
Countertop terminals with a printer for the checkout area.
Pharmacies and clinics
Fast transactions, clear reporting and integration with your software.
Auto services and parts
Payment on site or a payment link sent to the customer.
Services and consulting
Invoices with a payment link and recurring subscription fees.
Self-service and vending
Unattended terminals for car parks, car washes and machines.
Online retail
The WooCommerce or PrestaShop plugin installs in minutes and adds card payments, wallets and deferred payment at checkout.
Tokenisation lets returning customers reorder in one click, while Open Banking saves the card fee on larger amounts.
- Plugins for every major platform
- One-click payment
- Refunds from your store admin
- Automatic IBAN reconciliation
Physical venues
The terminal arrives configured for your account, and in-store sales land in the same report as your online payments.
Restaurants get tipping and bill splitting; car parks and car washes get terminals that run without an operator.
- Countertop, mobile and unattended models
- Tipping and bill splitting
- Offline operation when the connection drops
- Daily report per venue and per cashier
Why the sector changes the decision
Accepting payments looks identical from the outside, but the requirements differ substantially by trade, and that is exactly what determines which solution is right.
A restaurant wants speed at the table and split bills. A shop wants speed at the till and a combined report with the website. A pharmacy wants a short transaction and discretion. A hotel wants a damage guarantee without holding funds. A consultancy wants collection, not a terminal. A car wash wants a device that survives outdoors alone through winter.
One device with one configuration does not serve all of those places, and a feature list does not help you choose. So we start from how you sell and arrive at the configuration, rather than the other way round.
What changes by trade
Risk and how the profile is assessed. Retail with goods in stock is a low-risk profile. Selling a service delivered months later, tourism prepaid for next season, or order-to-delivery is higher risk, because there is a gap between payment and delivery.
Seasonality. A hotel processing twenty times more in July than in April looks like an anomaly to automated rules. A declared seasonal profile settles that in advance.
Average value. At a high average order, Open Banking saves real money and instalments lift the basket. At a low one, both merely add fees and steps.
How delivery is proved. With goods there is a shipping document. With a service there is not, so the documented agreement and the recorded consent become the main evidence in a dispute.
If your trade is not on the list
The nine categories here are the most common, not the only ones. We work with manufacturers, transport companies, training centres, sports clubs, veterinary clinics, construction firms and others.
The approach is the same: you say how you sell, what cards your customers use and what the average order is, and we say which solution makes sense and which does not. If we judge that we are not right for your case, we will say so rather than walk you through an approval that ends in a decline.
High-risk activity has its own page, because there the conversation starts from the profile assessment rather than from the configuration.
What to expect from the first conversation
The conversation is short, because exactly three things determine the answer.
How you sell and where payment sits. Online, in person, over the phone, on delivery, or a combination. That decides the channels and the devices.
What the risk profile is. The gap between payment and delivery, the chargeback history, the seasonality. That decides the conditions and whether a reserve applies.
What the numbers are. Monthly turnover, average order and card mix. That decides the price and whether switching is worth it at all.
After that conversation you get a concrete quote with fees calculated for your case. If the difference against your current provider is marginal, we will say so.
Which solution for which way of selling
Not by trade but by where payment sits, because that is the real question.
| How you sell | Core solution | What to add |
|---|---|---|
| Online only | Cards and wallets | A saved card where purchases repeat |
| In person only | A terminal chosen for the site | A payment link for deliveries |
| Online and in person | One account across both channels | A combined report and cross-channel returns |
| By phone and to order | Payment link | Never a card read out to an employee |
| On subscription | Tokenisation and automatic charging | Account updater for reissued cards |
| Unattended | Unattended terminal | Per-device reporting |
Most businesses fall into two rows at once, which is exactly why one account for everything is more practical than separate solutions.
Three questions that decide everything
Answer these and the configuration almost chooses itself.
- Where payment sits: at a till, at a table, on the site, by phone or unattended
- How long passes between payment and delivery of the goods or service
- What the average order value is
- What the seasonality looks like: even through the year or peaked
- Whether there are recurring payments or subscriptions
- Whether you sell outside the country
Questions about this
Is the rate different by trade?
The margin is the same. What differs by trade is the card mix and therefore the weight of interchange, and on higher-risk profiles there may be conditions such as a reserve, which are stated in advance.
Do you work with trades the banks decline?
Yes, after an individual assessment. We look at the actual business, the chargeback history and the sales model, not only the MCC code.
How do I find out which solution is for me?
The quickest route is to say how you sell and what your average order is. Those two usually make clear what will bring the most.
Can I combine several of these?
Yes, and most merchants do. The account is one, and adding a channel or a method is a setting rather than a new contract or a new integration.
Ready to start accepting payments?
Send us an enquiry and you will get a concrete quote with calculated fees for your business, usually within one business day.