01245 330 720 hello@paynetworx.co.uk


Paynetworx Retail are a specialist Merchant Services business where great customer service is everything.

Pick a card!  Any card

We know card payments! We live and breathe card payments!  Seriously…the issue of card payments in the UK SME sector is something we are specialists in – an area in fact, that we have years of combined experiences as a team – good and bad.

We know the pros & cons of the industry – the best practices and the paths not to follow. We share our knowledge with our customers so they can make the right decisions for them to make their business flourish.

So what do you need to know..?

Your customers are likely to have one of two card types.

Debit and CreditThey look similar but do very different things behind the scenes.

Debit cards deduct money directly from your bank account – in effect like using cash. No fees either. Can also be Contactless. Very neat and tidy in fact.

Credit cards offer your customers usage warranties and fraud protection, but are costlier. Fees can be very expensive. Contactless use is growing faster & faster. Credit cards can also have rewards attached to them – and much higher spending limits. 

Paynetworx will help you every step of the way – so don’t worry! 


What’s on the cards..?

As a merchant, you need to be able to accept the ‘big’ two – VISA and Mastercard. Debit and Credit cards. No question. Prepaid cards are also gaining in popularity. American Express is still a big player too in the UK.

And in these troubling times cards are now contactless – often for health and safety reasons in 2020. Contactless has even increased to 45.00 a card transaction in the UK – up 50% from 30.00 as it has been for five or six years.

And more customers prefer ApplePay (with their phone and/or Google Pay (GPay) or Samsung Pay – so its foolish not to offer those facilities. American Express is often seen as a ‘nice-to-have’ but can be expensive from a merchants point of view. All the terminals we supply are quick, reliable, secure and easy to operate. Get in touch now! We’ll explain.



Year on year connectivity improves. Let us explain all your options – copper, fibre, 3G, 4G, Bluetooth, WiFi…even CAT-6 hard wired ethernet. The days of GPRS are long gone…

Security - PCI DSS.

Maybe you’ve heard other merchants talk about PCI-DSS. Some  merchants don’t take it seriously. PCI-DSS is stipulated by the Credit Card companies. A necessity not a luxury. More below…

Security Matters!

In an effort to enhance payment card data security, the PCI Security Standards Council (SSC) provides comprehensive standards, specification frameworks, tools, measurements and supporting resources to help merchants ensure the security of cardholder information at all times.  The PCI DSS is the cornerstone of the council, as it provides the necessary framework for developing a complete payment card data security process that encompasses prevention, detection and appropriate reaction to security incidents.

Tokenisation is widely adopted to help merchants deal with security and compliance issues by satisfying privacy regulations, making safe nearly any sensitive data type and protecting payment data. We are proud of our Paynetworx tokenisation solutions – and we’ll explain which will work best for your specific needs.  Just get in touch!.

Get in touch in with us!

Let make things happen. Simply fill in the boxes below – even better if you include your phone number – and we’ll call you back.

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Paynetworx Limited
Suite 3, Courtyard Offices
Braxted Park, Witham
Essex CM8 3GA

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+44 (0) 1245 330 720

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