About Payment Services

Looking for the right secure payment systems solution for your business? Get your next pdq machine at the best rate in the market with our merchant services.

Card Payment

High-quality, inexpensive and secure terminals for fast easy card payments in retail environments

Virtual Terminal

Easy multi-user logins for accepting card payments via Phone/Mail


Accept online card payments in 52 currencies with 3D Secure protection

Our Merchant Services offers you highly competitive card processing rates with the world's best technologies for our customers and deliver peace of mind that your transactions are processed efficiently and securely.

Whether you are looking for chip & PIN, Contactless PDQ machine, mobile card payments, virtual terminal or online payments systems, Decimal Factor has the right cost-effective payment processing solutions for your business. Discuss your requirements with us and one of our Merchant Services Manager will provide you with the best cost effective pdq machine for your business.

We are a leading provider of card payment machines, merchant services and online payment systems solutions. Our pdq machine allows businesses to accept card payments from your customers. We offer a wide range of card payment machines to securely accept debit and credit cards payments – including countertop card machines, portable card machine, and mobile card payments. In addition to this, we provide with online payment system and virtual terminal. All our credit card terminal comes with the latest security standards.


Take payments from your counter or sell desk. This is a simple static chip and PIN or Contactless terminal suitable for most retail environments. Technologies include Bluetooth and Wi-Fi.


This is a simple, portable chip and PIN pdq machine where your customer pays at their location bringing mobility to your card payments, so you can accept payments anywhere. We provide you with a range of pdq machines with different technologies to suit your varied business needs. Whether you are looking for Bluetooth, GPRS or Wi-Fi technologies, we have the most secure payment system for you.


Accept debit and credit card payments anywhere and anytime from your Smartphone with this easy-to-use and secure application that turns your Smartphone or tablet into a mobile payment terminal. Our Mobile Merchant's payment app and Bluetooth card reader allow you to accept Chip and PIN debit and credit card payments and process them in real-time.

Online Payment System:

E-Commerce is the fastest growing payment technology in the world. Take card payments from your computer. Integrating an online payment facility to merchant's website is easy and can become a key driver of growth and revenue.

Virtual Terminal:

Take card payments with secure, fast payments via any web-page through a virtual terminal facility. Our virtual terminal is where your customer provides card details for payment either over a phone, mail, email or fax (MOTO) and these are keyed into a portal by you. Unlike Online payments where the customer completes the transaction without assistance, this payment is processed by someone from the business.

Why Accept Debit and Credit Cards?
  • Quickly and easily process your card process payment sales. Debit / Credit cards payments are more common than cash payments in the UK
  • Cheque payments to halve in the next 5 years
  • Increase revenue – spend increases by 20%, no cash / cheque deposit fees
  • Security – authorised at point of sale, direct into bank account
  • Time & Safety – no large amounts of cash on site
  • Speed – fast secure transactions, next day funds
  • Wide variety of products – wireless, Bluetooth, GPRS and Contactless technology to suit your business needs
  • Gift cards program – improve brand loyalty, revenue and design them yourself!
Why Decimal Factor as your Card Payment Provider?

As a Decimal Factor client, you have access to our entire Advantage Package! This is absolutely FREE and is the reason we stand out in the market – through guarantees on rates, equipment and service, we aim to make accepting card payments as enjoyable, hassle-free and advantageous for you as possible. Card payments should play an integral part of your business growth and so should we.

  • Service Guarantee - 24/7 Support, 365 days a year

    Available around the clock to provide advice, information and support

  • Terminal Guarantee - Free warranty and software upgrades

    Ensure your equipment is working and compliant at all times for free

  • Foresight Guarantee - Always staying one step ahead in the right direction

    We will keep you updated on the latest and best technology to ensure your business takes all the right turns

  • Pricing Guarantee - We will always try and beat other quotes

    We will aim to meet or beat any lower rate offered by the competition during your contract.

  • Value Guarantee - Make card payments work for you!

    Use Gift cards, Tax-free, DCC, Reporting and Business Business Funding to grow your business

  • Our X Factor - Going the extra mile

    UK-Based, committed and proactive teams to assist you every step of the way

Contact us to get the best card processing rate.
Free Quotation!

Decimal Factor operates in association with and this offer is made through Paya Card Services is operated by Acceptacard Limited, (company registration number 6910204) registered office address Victory House, 400 Pavilion Drive, Northampton, NN4 7PA Registered with the FCA as a small payment institution, firm number 617090. MLR registration number 12738258. All rights reserved. Visa®, MasterCard®, JCB®, Maestro®, Diner's® and American Express® ® are trademarks of their respective owners. All rights reserved.

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