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Explore how Paymentsense offers secure, reliable payment solutions tailored for small and medium-sized businesses. Learn about its features, pricing, and how it compares to other providers.

Paymentsense provides payment tools that help businesses accept cards online and in store. This UK-based payment solution company offers secure and reliable payment services to small businesses and enterprises. Paymentsense is known for throwing out the rule book compared to traditional big banks, taking an innovative approach to payment solutions. Their passion for supporting small businesses and helping them succeed is evident in their commitment to providing affordable and flexible services.
The aim is to give merchants a clear picture of what the provider offers, how it works and whether it suits their needs. Keep explanations straightforward so readers can quickly understand fees, features and practical benefits.
Paymentsense Limited is one of the UK's leading merchant service providers, offering comprehensive and scalable payment solutions tailored to small and medium-sized enterprises. Their robust infrastructure supports seamless processing of card payments both online and in-store, enabling businesses to accept payments through integrated card machines, mobile payments, and advanced payment gateways. With features like next-day settlement and PCI compliance tools, Paymentsense Limited ensures secure and efficient transactions across the United Kingdom.
The company’s platform supports modern payment methods such as Google Pay and Apple Pay, providing customers with more ways to pay conveniently and securely. Paymentsense Limited also offers transparent pricing models based on annual card turnover, helping businesses manage costs effectively. By partnering with Paymentsense Limited, merchants gain access to reliable payment technology, dedicated UK-based support, and solutions designed to streamline operations and enhance customer satisfaction.
Focused on innovation and flexibility, Paymentsense Limited challenges the traditional big banks by throwing out the rule book and prioritising the needs of small businesses. Their commitment to providing integrated payment services and fast, reliable processing makes them a trusted choice for businesses seeking to collect payments securely and grow in today’s competitive market.
Paymentsense specialises in payment processing for UK businesses, supporting both online and in-person transactions. The platform handles credit and debit card payments, contactless transactions, and mobile payments including Apple Pay and Google Pay. With a 4.8 rating, the service focuses on fast transaction processing with next-day payouts for merchants. Paymentsense offers multiple ways for customers to pay, including card machines, online checkout, and virtual terminals, ensuring ease and security when customers pay.
The platform includes payment gateways for online transactions, including secure online payment pages for customer checkout, a range of card machines from counter-top to portable devices, contactless payment support, mobile payment integration, PCI DSS compliance with end-to-end encryption, and dedicated UK-based customer support. The system offers fast processing with next-day settlement options.
Paymentsense combines security, convenience, and speed to simplify the payment process for businesses across the United Kingdom. Paymentsense helps businesses capture every sale without delay or downtime, ensuring reliable payment processing and maximising sales opportunities. Its comprehensive suite of tools and dedicated support team ensures merchants can accept payments online and in-person with confidence and ease, helping them focus on growing their business without worrying about payment complexities. Any technical or security issues are resolved quickly to minimise disruption.
When you're looking for a payment provider that puts security at the forefront, Paymentsense delivers exactly what your business needs to protect every transaction. You'll benefit from robust end-to-end encryption and advanced tokenisation that safeguards your sensitive payment data from potential threats, giving you complete peace of mind. Their payment gateway and card readers are built to meet the highest industry standards, ensuring both you and your customers can trust the system completely.
As a fully PCI DSS compliant provider, Paymentsense helps your company maintain compliance with industry regulations, significantly reducing your risk of data breaches and fraud. With their focus on secure payments and reliable technology, you can trust Paymentsense to keep your transactions and customer information safe at every stage of the payment process.
Paymentsense offers competitive rates with no setup or maintenance fees, making it accessible for small businesses. The platform provides reliable next-day payouts and comprehensive payment method support.
However, the service focuses primarily on the UK market, which may limit international expansion for some merchants. Additionally, some users have reported missed payments or opportunities due to occasional technical issues.
Advantages
Disadvantages
The pricing model emphasises competitive rates with no exit fees or annual card turnover requirements. Setup and maintenance costs are eliminated, though specific transaction fees vary based on business type and volume. No long-term contracts are required for switching merchants.
The service is designed to fit seamlessly into the life of business owners, supporting their daily operations and ambitions. Paymentsense can be integrated into various business houses, such as restaurants, dental practices, and retail stores, streamlining payment processes in each setting.
The service works well for small businesses and enterprises across the UK looking for reliable payment processing. Companies seeking next-day payouts, multiple payment method support, and local customer service benefit most from the platform’s offerings.
Paymentsense serves retail businesses with counter-top and portable card machines, hospitality venues requiring fast transaction processing and enabling staff to take payments directly at the table for greater convenience, healthcare providers needing secure payment handling, and ecommerce businesses through integrated online payment gateways. Paymentsense card machines can also connect seamlessly with EPOS and other business systems for integrated payment processing.
Paymentsense operates as an established merchant service provider dedicated to empowering SMEs across the United Kingdom to compete effectively in demanding market conditions. Their comprehensive payment infrastructure, encompassing digital payment gateways and integrated merchant account solutions, enables businesses to optimise operational workflows, minimise processing overhead, and maximise annual card transaction volumes.
The specialised merchant support division at Paymentsense maintains continuous availability to deliver technical expertise, resolve processing challenges, and navigate businesses through the evolving payments ecosystem. Through scalable merchant solutions and transparent fee structures with reduced termination charges, Paymentsense Limited positions businesses to prioritise expansion strategies and customer retention initiatives.
Whether you're seeking to enhance market penetration or streamline payment processing efficiency, Paymentsense provides the merchant infrastructure and technical support essential for sustainable business growth.
Merchants may want to compare options like Worldpay, Square, or SumUp depending on their specific requirements for international processing, pricing structures, or integration capabilities.
Leading Alternatives to Paymentsense

Square
Square provides simple, flat-rate pricing and app-based card readers ideal for sole traders and small businesses. Its user-friendly interface and quick setup make it a popular choice for those seeking straightforward payment solutions with integrated online and in-person payments.

SumUp
SumUp offers affordable card readers and no monthly fees, focusing on mobile and small business payments. It supports contactless and chip card payments, with easy-to-use mobile apps and flexible payment options, ideal for businesses on the go.

Dojo
Dojo, the rebranded customer-facing arm of Paymentsense Limited, delivers fast, reliable payment processing with a focus on UK SMEs. It combines innovative tech with strong customer support, offering integrated payments solutions that help businesses streamline sales both in-person and online.
Choosing the right payment provider is essential for businesses aiming to simplify taking payments and enhance customer experience. Paymentsense and its alternatives each offer unique benefits, from competitive pricing and quick setup to advanced integration and dedicated support. Assessing your business needs, transaction volume, and preferred payment methods will help you select the provider that best supports your growth and operational efficiency.
Selecting the best payment service depends on your business size, industry, and payment needs. While Paymentsense and Dojo excel in UK-focused, integrated payment solutions with dedicated support, alternatives like Worldpay, Square, and SumUp provide varied options for international reach, pricing models, and technology preferences. Evaluating features such as card readers, payment gateway capabilities, fees, and customer service will help businesses find the provider that best aligns with their goals and ensures smooth payment acceptance across all sales channels.
The system connects to websites through secure payment gateways with straightforward integration processes, where even a small bit of data or a minor update can impact the functioning of payment terminals, so attention to detail is important during setup.
Card machines require minimal setup with clear instructions provided.
The platform supports various POS systems and offers developer-friendly integration options for custom implementations. Paymentsense's integration tools are created to ensure compatibility and ease of use for developers and merchants.
Establishing merchant services with Paymentsense offers a straightforward and efficient onboarding process for businesses seeking reliable payment solutions. The setup begins with submitting essential business credentials through their secure digital platform. Once approved, merchants receive a unique Merchant ID, enabling them to start processing transactions quickly, often within 24 hours. Paymentsense’s payment gateway seamlessly integrates with existing ecommerce platforms and retail systems, supporting secure card payments and mobile payment options like Apple Pay and Google Pay.
Their transparent pricing model eliminates hidden fees and setup costs, making Paymentsense an attractive choice for both established financial institutions and growing SMEs. Comprehensive implementation support and ongoing technical assistance ensure businesses can confidently deploy payment acceptance solutions, facilitating immediate revenue flow and long-term growth opportunities.
Customer feedback highlights reliable transaction processing and responsive UK-based support. The 4.8 rating reflects positive merchant experiences with payment reliability and customer service quality. Users praise the straightforward setup process and competitive fee structure. Paymentsense’s support team is always available to talk with merchants and explain solutions clearly.
Paymentsense continues to lead the way in payment innovation for UK businesses by regularly enhancing its payment services to meet evolving market demands. Recent upgrades include expanded mobile payment capabilities and seamless integration with popular platforms like Google Pay and Apple Pay. These improvements offer customers greater flexibility in how they pay, while helping merchants streamline their online checkout processes for faster, more secure transactions.
These strategic enhancements are designed to reduce customer wait times and improve overall payment experiences, making Paymentsense an ideal choice for businesses aiming to deliver smooth, efficient service. The company’s focus on cutting-edge technology ensures merchants benefit from reliable, secure payment processing that keeps pace with industry trends and customer expectations.
By staying ahead of the curve, Paymentsense supports businesses of all sizes across the UK with comprehensive payment solutions and dedicated support. This commitment empowers merchants to grow confidently, knowing they have access to the latest tools and innovations necessary for operational success in a competitive market.
At IMS, we serve as an independent adviser to UK businesses seeking the right payment gateway by offering:
Here are 10 common questions and answers about Paymentsense
Paymentsense typically offers next working day settlement, so funds from card payments are usually available in your account by the next working day after the transaction.
Paymentsense supports a wide range of payment methods including chip and PIN, contactless payments, Apple Pay, Google Pay, and mobile payments, both online and in-person.
No, Paymentsense does not charge setup or maintenance fees for their card machines or payment gateway services, making it cost-effective for small businesses.
Yes, Paymentsense offers easy integration with various POS systems and e-commerce platforms through plugins and APIs, allowing seamless payment processing.
Paymentsense is PCI DSS compliant and uses end-to-end encryption to ensure all payment data is protected and transactions are secure.
Paymentsense does not require long-term contracts, giving businesses flexibility to switch providers without incurring exit fees.
Yes, Paymentsense provides payment solutions such as virtual terminals and Pay by Link services, enabling merchants to accept payments over the phone or via email securely.
Paymentsense’s customer support team helps resolve payment issues quickly, including handling declined transactions and processing refunds efficiently.
Paymentsense primarily serves UK businesses and focuses on domestic payments, but it can accept international cards; however, international features are limited compared to some global providers.
You can sign up online or speak to a Paymentsense representative who will guide you through the application process, provide your card machine within a few days, and help you start taking payments quickly—often as soon as tomorrow once your account is approved.
For tailored advice on whether Paymentsense meets your specific payment processing needs, the best way to compare payment gateways is through Independent Merchant Services. We provide expert, unbiased guidance to help you evaluate features, pricing, and contract terms across multiple providers. This ensures you find the most cost-effective and reliable solution for your business. By comparing payment gateways compare-payment-gateways-uk/ side-by-side, you can discover which provider offers the best rates, integration options, and customer support to suit your unique requirements.

Roger Milne Founder and CEO of Independent Merchant Services, has helped UK businesses access better payment gateways and lower transaction costs since 2012 through transparent advice and exclusive provider rates.
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