Payment processing made simple for your business
Take payments with our integrated payment processing solution with no hidden transaction fees - anytime, anywhere!
Payment processing tailored to your needs
Our service integrates seamlessly into your retail or hospitality point-of-sale system.
Get everything from a single portal, all managed by one payment provider.
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Offer customers their preferred payment option and accept Visa and Mastercard transactions at a fixed rate**
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Enjoy a quick and efficient payment process with Epos Now Payments
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Create and enhance your experience with our wide range of partners in the AppStore
Pro+
Portable card machine with real-time reports and integrated POS system. Fully PCI compliant.
Link
Stationary device with fast payments, and real-time reports using Epos Now POS software.
Air
This is a light and pocket-sized portable device. Real-time reports are available using Epos Now POS software.
Satisfy more customers with fast, secure business payment services
Chip and pin
Contactless
Remote payments
Card not present? No problem. Securely accept remote payments via link
Utilize powerful payment reports to gain valuable insights
As a small business owner, you need a 360-view of your business to make informed decisions. With our merchant accounts reporting, you can:
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Access detailed payment reports and track all transactions at the touch of a button.
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Get a full overview of your cash flow and simplify bookkeeping with automated reports, saving you precious time, eliminating human error and avoiding costly mistakes.
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Get real-time insights to help you make decisions about inventory, finances, how much staff get paid, and more.
No hidden processing fees or complicated setups
We believe in complete transparency which is why there are no hidden fees or long-term contracts with Epos Now Payments.
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Apply for payments via your Epos Now account, complete the security checks, and you're ready to take payments.
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Pay one low, flat rate for Visa and Mastercard**, making it easy to budget for your payment processing service costs.
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No need for a separate merchant account, payment gateways or subscription management – we provide everything you need to take any payment method quickly and easily.
The payment service that drives growth
Accept payments anywhere, anytime. With multiple connectivity options, fixed and portable card readers, and all-in-one handheld systems.
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The Link card reader will satisfy your need for a secure connection and almost instant payments. With ethernet connectivity, there's no need to charge or worry about an outage.
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Go wireless with our all-in-one Pro+ POS and payment processor, a WiFi-enabled seamless card payments solution that gives you full, portable access to your entire Epos Now system.
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The Air is a WiFi-enabled handheld card machine that's small and light enough to fit into your pocket. Perfect for space-conscious businesses looking for a portable payment device.
Accept all major payment types including credit or debit card, digital wallet payments, and contactless payments. Our terminals are EMV compliant and support Apple Pay and Google Pay.
Pair your card terminals with new Epos Now POS accessories
Make payments a breeze with these indispensable Epos Now accessories for your Air, Pro+, or Link devices.
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Charge your mobile device with the Pro+ Charging Dock. Free your staff from the counter and increase their productivity.
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Protect your card machine from damage and theft with the Epos Now Terminal Stand. Mount your Link card terminal for a perfect payment experience.
A single service team with global reach
Our team's unrivalled support makes payment processing easy. Whether you're calling about debit card payments, credit card payments, connectivity, or reporting, we provide the assistance you need.
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No more calling multiple parties, we'll take care of it all.
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Unrivalled support for your business when you need it
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Global 24/7 telephone and email support is available whenever you need it, with multilingual teams on hand to offer assistance in your language.
Guaranteed payment security to provide you peace of mind
Our payment processor is used by thousands of retail and hospitality businesses worldwide. With over a dozen years of experience in cloud-based EPOS systems and integrated payment solutions, we've plenty of experience providing businesses with dependable payment processors with fraud detection systems
All Epos Now Payments terminals are PCI compliant through our innovative encryption technology. This guarantees the safety and protection of you and your customers at all times.
With proven reliability, we're ready to help you serve your customers when you are. We can also help with payment disputes/chargebacks handling and fraud prevention.
Want to know more about our payment processing services?
If you'd like to know anything else about Epos Now's payment processing service, get in touch, or read these handy FAQs.
- What are the steps in payment processing?
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Payment processing works by issuing and acquiring banks trading authenticated details. It has three steps: authorisation, authentication, and settlement.
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Authorisation - The payment processing service sends a payment request to the issuing bank.
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Authentication - Both parties ensure that all the transaction details are correct and that there are sufficient funds (including processing fees) in the payee's account. The issuing bank will also check that the transaction request is coming from a reputable payment processor.
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Settlement - After all the details are sorted out, the acquiring bank requests the full payment. The money is transferred from the issuing bank account to the acquiring bank account.
The incredible part of this process is that approved transactions only take seconds to complete. This ensures that the business's account and the customer's account are settled as quickly as possible.
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- Why use payment processing?
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When you use an efficient payment solution like Epos Now Payments, your business will run smoother, and your cash flow will increase. Everything from transaction times to invoicing and billing to recurring payments will also be overall faster.
Our service can also grow with your business. With Enterprise multi-location business support, you'll have all the budget-friendly payment services you need.
- How long does payment processing take?
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Depending on your payment providers and bank, it can take up to three days for a payout to reach a merchant's account. At Epos Now, our customers get next-day payouts completely with a small optional additional charge for same-day payouts.
- How do payouts work?
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All transactions are collected at the end of the day and are paid out on the next day, excluding weekends and bank holidays.
Want your payouts quicker? Unlock fast access to your payouts and upgrade to Epos Now Payments same-day payouts. Depending on your bank, same-day payouts can include weekends and bank holidays and you can set a cut-off time of your choice. This ensures your cash flow management is completely up to date. Talk to our sales team for more information.
- What credit cards and banks are accepted?
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All major credit and debit cards are accepted, including Visa, MasterCard, American Express, Discover, JCB, and UnionPay.
To improve the customer experience, we ensure that they can use their favourite payment method. these methods include credit and debit cards, contactless options, and digital wallets like Apple Pay and Google Pay.
Moving country? Payments includes multi-currency support. As long as you're in a country supported by Epos Now, you'll be able to use Payments.
- How do Epos Now's payment processing fees work?
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To ensure customer satisfaction with Epos Now Payments, we keep our fee structure as simple and transparent as possible. Unlike other Payment processing companies, you won't ever be hit with any hidden fees or nasty surprise charges.
We charge clear flat rates for card transactions. ** If you'd like to know more about our fee structure, our team will be more than happy to assist you.
Note: global payment rates may differ depending on location.
- How does online payment processing work?
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Online payment processing works exactly the same as in-person payment processing. The only thing that might be different is the payment gateway that the business owner uses.
As an Epos Now customer, you can use Epos Now Payments for all your online sales, ensuring that all your transaction data is fully-synced. We also offer e-commerce integration apps that can be seamlessly added to your online store.