Pay as You Go Credit Card Processing

By Rob Binns | Senior Writer

This article will give you an overview of available pay as you go credit card processing providers, and what to look out for when choosing the right supplier for your business.

Pay as You Go Credit Card Processing

Businesses who offer credit card payments are generally faced with a number of fees that they need to pay to use merchant account services.

However as technology changes and the methods in which the payments are made develop, there are now more flexible ways for businesses to offer credit card payment. We explore some of the available pay as you go processing services below.

Pay as you go

Available Services for Pay as You Go Credit Card Processing

World Pay

World Pay is a widely used service for business owners who want to be able to process card payments without being tied into expensive and lengthy contracts. Worldpay offer a competitive Pay As You Go service, with no sign-up fees.

Users then simply pay a 2.75% + £0.20 transaction charge for using the service, and are free to stop using it as they please, as there are no monthly contracts. The same rate applies to both debit and credit card payments.

The service is reliable and can be used online as well as on mobile phones and tablets and offers businesses 24/7 support in case of any problems.


PayPal is recognised over the world and has become synonymous with eBay, however businesses can also use PayPal in order to accept payments on their websites which allows them to offer familiar and flexible services to their clients. PayPal is free to set up and users simply pay a transaction fee on the payments they receive.

It is also possible to provide customers with instant receipts and invoices to make the process easier for businesses. The transaction fees vary from 3.4% + 20p per transaction for businesses making up to £1,500 of sales a month right through to 1.4% + 20p for those earning over £55,000.

Some of the many businesses who use PayPal for pay as you go credit card processing include Argos, Toys’R’Us and Domino’s Pizza.


iZettle is a modern, effective service for businesses and individuals to use to take card payments. The service is comprehensive and allows businesses to take payments from the most popular credit card providers as well as offer features such as accounting, multiple users, daily deposits and more.

iZettle’s fees begin at 2.75% per transaction, which ensures that businesses can operate on a pay as you go agreement rather than being tied into contracts. The more your company sells, the lower the transaction rate which makes it an ideal provider of businesses of all sizes.

Businesses have the option of purchasing a card reader or using iZettle’s virtual terminal service which means that payments can be made on the move, from any location with internet connection.

The services reviewed above are just a small number of the available providers who can offer pay as you go credit card processing for businesses.

Pay as you go gives businesses flexible options which makes it ideal for those who don’t process payments all year round or who have small businesses who don’t process enough transactions to justify monthly fees.

Next Steps

For tailored search results of merchant account services based on your unique business needs, fill out the form at the top of this page and Expert Market UK will search for the best providers for you.

Rob Binns Expert Market
Rob Binns Senior Writer

Rob writes mainly about the payments industry, but also brings industry-specific knowledge of CRM software, social media monitoring, and invoice finance. When not exasperating his editor with bad puns, he can be found relaxing in a sunny corner, with a beer and a battered copy of Dostoevsky.

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