Your phone is the card machine
Take contactless cards, Apple Pay and Google Pay straight on an iPhone or Android. Nothing to buy, nothing to charge overnight, nothing to lose down the back of the van.
£0
no hardware
Built for UK small businessesCard payments
Card payments
with a wink,
not a wince.
Take payments on the phone in your pocket, a reader you own, or a proper card machine. One card rate on every plan, the fee shown on every sale, and a plan that costs nothing until you want the software. No long contract. Cancel whenever you like.
Takes a few minutes. No sales call. No card details to start.
One card payment, any plan
- Sale
- £42.50
- Card fee (1.4% + 10p)
- − £0.70
- You keep
- £41.81
That’s an effective rate of 1.64% on this sale. No PCI fee, no authorisation fee, no minimum monthly charge, no rental, and the same rate on every plan.
- 1.4% + 10p in person — the same rate on every plan
- 1.5% + 20p online
- Same rate on every plan
- Daily payouts
- Tap to Pay on the phone you own
- No long contract
- Card reader £29, no rental
- Countertop card machines too
- Pay by bank from 0.4%
- UK support, real humans
- Cancel whenever you like
Ways to get paid
Three ways to take money. One rate card.
Most providers price each channel like it’s a different company. Here the counter, the van and the website all sit on the same plan.
Learn more →
A proper machine when you want one
Buy our reader once for £29 and it's yours. Prefer a proper countertop or portable machine? We arrange one on your own Verofy account. No 48-month lease either way.
£29
one-off, you own it
Get paid without being there
Send a payment link by text, take deposits before a job, or drop a hosted checkout on your site. Same rate as the counter, near enough.
£0
included on every plan
The honest bit
The fees we don’t charge
Card processing has a long tradition of quoting one number and billing another. This is the list of things that never show up on your statement.
- No setup fee
- No PCI compliance fee
- No monthly minimum
- No authorisation fee
- No terminal rental
- No charge for refunds
- No early exit fee
- No rate rises without notice
Pricing
Pick a plan, or don’t.
Starter costs nothing a month and always will. The card rate is the same on every plan, so the paid plans are not a way to buy a cheaper rate. They are the software: the till’s hospitality features, more users and sites, invoicing, and someone to ring.
Starter
Take payments
£0/month
Card rate: same on every plan
Taking payments. One card rate on every plan, Tap to Pay, the reader, payment links and hosted checkout, and the core till when it launches. Most stalls, vans and one-person businesses never need more.
Start with StarterPro
Run a venue
£19/month
Card rate: same on every plan
Running a venue. Tables, split bills, courses, staff roles and ask-your-till in Cheeky Till when they launch, up to 10 users and locations, recurring payments and invoicing, and support you can phone.
Start with ProScale
Run several
£79/month
Card rate: same on every plan
Running more than one site. Shared menu and roll-up reporting across venues, kitchen screens included, unlimited users and locations, the full API and webhooks, and a named account manager.
Start with ScaleHow it works
Trading by this afternoon.
- 01
Sign up in a few minutes
Business details, a bank account and one ID check. No sales call, no site visit, no three-week wait for an underwriter to phone you back.
- 02
Take your first payment today
Tap to Pay works the moment you’re approved. If you’ve ordered a terminal it turns up ready to go — pair it and you’re trading.
- 03
Watch the money land
Every payment, fee and payout in one dashboard, with the fee shown on each sale rather than buried in a monthly statement.
Compare
Thinking of switching?
We’ve written up how Cheekypayments stacks up against the providers people usually ask about, with the published rates and the catches in both directions.
Questions
The things people ask first
How much does Cheekypayments cost?
Cheekypayments charges one card rate on every plan: 1.4% + 10p for in-person payments on UK and EEA cards and 1.5% + 20p for online payments on standard UK cards. Premium, EEA and international cards cost more; the pricing page lists every rate. The rate is the same on every plan. Starter at £0, Pro at £19 and Scale at £79 a month pay for software and support, not a cheaper rate. There is no setup fee, no PCI fee and no minimum monthly charge.
How quickly do I get paid?
Payouts run daily once your account is verified. How quickly a given sale lands depends on your account's schedule. It is the same on every plan; we do not sell faster payouts. Bank clearing times apply.
Do I need a card machine?
No. Cheekypayments supports Tap to Pay on iPhone and Android, so you can take contactless cards, Apple Pay and Google Pay on a phone you already own with no extra hardware. A card reader is available for £29 as a one-off purchase if you prefer one, and if you want a traditional countertop or portable machine we can arrange one on your own Verofy account. There is no rental from us.
Is there a contract?
No. Cheekypayments has no minimum term and no exit fee. Paid plans are billed monthly and you can cancel whenever you like. Annual billing is optional and saves 20%.
Is it secure?
Payments through the app, the card reader, payment links and online checkout are processed by Stripe, a certified PCI Service Provider Level 1. Payments on a countertop card machine are processed by Verofy on your own Verofy account. Cheekypayments never sees or stores full card numbers. Card numbers are encrypted at the point of capture.
What can I accept?
Visa, Mastercard, American Express, Apple Pay, Google Pay, contactless cards, chip and PIN, payment links, online checkout and pay by bank. Refunds are free.
Stop paying for the privilege of being paid.
Sign up, get approved, take a payment. No long contract. Cancel whenever you like.