Takepayments Merchant Services Review (2026): Fees, Features, Pros & Cons Explained Quick answer
Takepayments is a UK-based merchant services provider offering tailored merchant accounts, card machines and payment processing for small to medium-sized businesses so we think best suited to businesses that want bespoke pricing, strong customer support and flexible payment hardware, rather than fixed-rate, plug-and-play solutions.
If you would like to learn more about merchant service providers, you can do so here .
Contents
Benefits of Takepayments Merchant Accounts
Downsides of Takepayments Merchant Accounts
What Does Takepayments Merchant Accounts Offer?
Takepayments Merchant Accounts Decision Making Guide
What Other People Think of Takepayments Merchant Accounts
What Do Staff Think of Takepayments Merchant Accounts?
Our Verdict on Takepayments Merchant Accounts
How do we work?
Transparent, impartial, and data‑driven reviews made by a team of expert humans, never AI generated – here’s exactly how Compare Your Business Costs helps you find the best deals from trusted UK providers: click here
Authored by: Ally Cox (Business Technology & B2B Services Specialist 10+ Years’ Experience)
Reviewed by: James Ward (Telecoms Specialist, 12+ Years Experience)
Last Updated: January 2026
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Key Takeaways
Takepayments provides bespoke merchant account pricing, not flat-rate fees
No standard setup fees, but monthly account fees usually apply
Offers a wide range of countertop, portable, mobile and EPOS-linked terminals
Known for strong customer support and dedicated account managers
Contracts can be 12–36 months, so terms should be checked carefully
Best for growing SMEs, retail and hospitality businesses
Takepayments Merchant Services Decision Making Guide If you need help choosing the right option for your business, we’ve created a handy table comparing the options side by side:
Feature Essential Plus Pro
Monthly cost £19
£29
£49
Transaction fee 2.75%
2.50%
2.25%
Minimum monthly charge £19
£29
None
Card types accepted Visa, Mastercard, Maestro
Visa, Mastercard, Maestro, American Express
Visa, Mastercard, Maestro, American Express, Discover
Online payments No
Yes
Yes
Telephone payments No
Yes
Yes
MOTO payments No
No
Yes
Reporting Basic
Detailed
Advanced
PCI compliance Assistance Yes
Yes
Yes
Customer support Phone & Email
Phone & Email
What Other People Think of Takepayments Merchant Services Summary of Takepayments Merchant Services: Real Reviews Takepayments is a merchant account provider that stands out for its exceptional ease of account approval, risk management, and speedy payment processing speed. Customers also highly rate security and customer support.
Wwhile we see that their processing rates and fees receive a slightly lower score, Takepayments offers bespoke pricing for medium to large retailers, potentially making it a cost-effective option depending on your business volume.
Takepayments Merchant Services Commercial Video
Takepayments Merchant Services: The Design & How it Affects Users: The Takepayments card machines are designed with a user-friendly interface, which minimises the learning curve for staff. They are suitable for businesses with high volume, as they are optimised for quick transactions. Each device is PCI compliant, offering robust security as a standard, ensuring that your customer data is handled securely. In addition, they have a friendly team of experts who can help with the setup, or any follow-on concerns once you get going.
Takepayments Merchant Services: What Sets it Apart From Its Competitors? Takepayments tailored transaction fees offer users bespoke rates, making them suitable for such a wide range of business needs. If you have a Barclay card business merchant account, you will incur no monthly merchant account fees, so we think they are a reliable choice for small-medium-sized businesses.
What Do Staff Think of Takepayments Merchant Services? Based on available information from Glassdoor, working at TakePayments is generally well-regarded. Employees appreciate the supportive work environment, excellent training programs, and the company’s commitment to employee development. Many reviews also highlight the positive company culture and the sense of camaraderie among colleagues. However, there are some employees who have noted challenges such as high sales targets and the pressure to meet them.
Takepayments Merchant ServicesLatest News ‘Global Payments acquires UK’s Takepayments for undisclosed sum’.
Read more here .
‘Global Payments Approaches to Acquire UK-Based Takepayments.
Read more here .
‘Stockport’s takepayments snapped up in reported £200m deal’.
Read more here .
Takepayments Merchant Services Awards
Five-Star Customer Service Rating – Takepayments has consistently received high marks for their customer service, with a significant number of positive reviews highlighting their prompt, polite, and helpful support teams.High Customer Scores – In various reviews, Takepayments is praised for their comprehensive support and user-friendly services.
Improvements of Takepayments Merchant Services over the Years We think that the Takepayments tailored pricing plans are the standout feature of the company, and combined with their excellent customer service, you have a reliable and secure merchant account. They offer a whopping 170 currencies, higher than their competitors (for example, Worldpay offer 120 and RMS offer 100).
Issues of Takepayments Merchant ServicesOver the Years As mentioned above, many customers seemed surprised when they were charged a hefty early termination fee. In saying this, Takepayments takes their complaints seriously and has responded to almost every negative review on their Trustpilot (which is only 3%!)
How to Purc hase Takepayments Merchant Services
Merchant Savvy can help you here .
You can check their offers on Epos Now here .
Our Verdict on Takepayments Merchant Services In our assessment, Takepayments stands out as one of the top-rated payment processing companies. While there are no setup fees, the £20 monthly account fee may be higher for some, although their transaction fees remain competitive. They are suitable for small businesses and up who are looking for a straightforward and affordable solution. We think that Takepayments may not be the best fit for larger businesses with high transaction volumes or specific requirements. For instance, they lack integrated online stores, which may necessitate using another service.
However, their stellar customer service and diverse payment options, covering countertop, portable, mobile, mail, and telephone orders, are commendable. They lead the way in features, offering an extensive list of 16 e-commerce integrations, including popular platforms like WordPress and WooCommerce .
Takepayments has glowing customer reviews attest to their exceptional customer satisfaction levels. They are an excellent choice for those prioritising scalability and superior customer service.
FAQs 1. Is Takepayments a merchant account or payment provider?
Takepayments provides full merchant accounts, unlike Square or PayPal, which use aggregated payment models.
2. Does Takepayments charge setup fees?
There are typically no setup fees, but hardware rental or purchase costs may apply.
3. Are Takepayments contracts long?
Contracts usually range from 12 to 36 months, depending on the deal agreed.
4. Is Takepayments cheaper than Square?
For higher turnover businesses, Takepayments can be cheaper. For low volume traders, Square’s flat rates may be simpler.
5. Does Takepayments support online payments?
Yes, via a payment gateway and integrations such as WooCommerce, but it’s not a full e-commerce platform.
6. Who is Takepayments best for?
Retail shops
Restaurants, cafés & bars
Service businesses
Growing SMEs needing tailored pricing and support
Related Merchant Account Guides If you’re researching merchant accounts and card payment processing, the guides below explore specific providers, use cases, costs and common questions in more detail.
Merchant Account Basics & FAQs
Understand how merchant accounts work and what to expect before signing up:
Major UK Merchant Account Providers
Detailed reviews of leading UK merchant account providers and acquirers:
Payment Providers & Alternatives
Explore pay-as-you-go and hybrid payment providers often compared with merchant accounts:
Card Payments, EPOS & POS Context
Learn how merchant accounts fit into wider payment and EPOS setups:
Next Step: Compare Merchant Accounts
If you want tailored pricing based on your turnover, industry and risk profile, use our comparison tool to review UK merchant account providers side by side.
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Hi, I’m Ally Cox , a senior copywriter and blogger at CompareYourBusinessCosts.co.uk, the UK’s trusted platform for comparing business services.over a decade of experience in the B2B sector, I specialise in simplifying complex topics like leased lines, VoIP, business energy, HR and payroll solutions, accounting software, and EPOS systems .HR, copywriting, and business operations- from clocking-in systems to card machines and office technology .informed, confident decisions when choosing products and services that improve efficiency and save money.
