For UK businesses · iFinance PMS

A card machine with £0 monthly fee — plus an advance loan when you switch.

We offer an advance loan on every new card machine. Already take card payments? Don't wait three months for a bank loan — send your bank and card machine statements, start taking payments on our machine, and an approved advance can be in your account within 7 days.

Apply in 5 minutes
  • £0 monthly fee on your first card machine
  • UK cards 0.79% — every fee shown up front
  • Advance loan on your new card machine · no 3-month wait
Your transaction feesNo hidden fees
UK debit & credit cards0.79%
International cards1.4%
American Express1.99%
Monthly fee — first card machine£0

Lower rates from £20,000 a month by card — flexible, tailored rates for businesses taking over £30,000 a month.

Card machine
£0upfront cost
£0monthly fee, first machine
7 daysto your advance once live*
24/7technical support

Simple, transparent pricing

Pick what fits your business. Every fee is on this page.

Full EPOS system

£49/month

Complete till for shops, cafés & restaurants

  • POS terminal, card machine, receipt printer, cash drawer
  • Stock, sales reporting & staff management
  • Cloud backup
  • Free installation & training
  • Same transparent card rates
  • £100 welcome bonus
Get the EPOS system

Advance loan on your new card machine

7 days

For businesses already taking cards

  • Send: Last 3 months of business bank statements
  • Send: Last 3 months of card machine statements from the current provider
  • Repaid automatically as a small fixed percentage of your daily card takings
  • Paid within 7 days of your new machine going live*
See how the advance loan works

*Advance loans are subject to approval. Lower rates from £20,000 a month by card — flexible, tailored rates for businesses taking over £30,000 a month — ask for a quote.

What could you save — and how big an advance?

Enter your numbers. We assume a typical UK mix of 85% UK cards, 10% international and 5% Amex.

You pay now (per year)—
With us (per year)—
Estimated yearly saving—
Indicative advance loan you could apply for—

Estimates only. Advance amount depends on approval and your statements.

Lock in these rates

From application to advance in 7 days

1

Apply online

Five-minute form. Upload your last 3 months of bank statements and card machine statements.

2

Get your card machine

Approved accounts are set up fast — often the same day. No monthly fee on your first machine.

3

Advance decision

We use your existing card history, so there's no three-month wait to build a track record.

4

Money in your account

Your approved advance lands within 7 days of your machine going live. Repaid automatically as a small fixed percentage of your daily card takings.

Built for busy UK businesses

Restaurants & takeawaysCafés & coffee shopsBarbers & salonsConvenience storesGarages & car washesPubs & barsRetail boutiquesMobile traders

£100 welcome bonus on the Full EPOS system

From one small business to another — new customers who choose our Full EPOS system receive £100 when they sign up.

Claim your £100

Questions

Is there really no monthly fee?

Yes — your first solo card machine has a £0 monthly fee. You pay the transaction fees shown above. Extra machines are £15/month each.

How can the advance be ready in 7 days?

Banks usually want months of history with them before lending. We look at the card takings you already have with your current provider (from your statements), so once you're approved and your new card machine is live, funds can reach your account within 7 days.

Who can get the advance loan?

We offer the advance loan to businesses that take a new card machine with us. Every application is subject to status, affordability checks and approval, and we'll tell you quickly either way.

How is the advance repaid?

Repaid automatically as a small fixed percentage of your daily card takings. Your exact terms are shown in writing before you accept.

What do I need to apply?

Photo ID or proof of address, your last 3 months of business bank statements and — for the advance loan — your last 3 months of card machine statements.

Ready to stop paying monthly fees?

Apply now, or chat with Sarah — replies in seconds, day or night.

Apply now