Everything you need to know about accepting payments, managing transactions, and configuring your gateway.
Once your Paayed account is verified and your payment gateway is active, you can start processing card payments immediately.
Customers pay through your hosted checkout page, a payment link, or your API integration. Paayed supports Visa and Mastercard (debit and credit), Apple Pay, and Google Pay.
Use the Paayed A920 POS terminal to accept chip and PIN, contactless, and mobile wallet payments at your location.
Before going live, process a test payment in sandbox mode to confirm your setup works. Go to Settings > API Keys and use the sandbox credentials with test card number 4242 4242 4242 4242.
Paayed supports the most widely used payment methods in the UK.
All settlements are in GBP. Paayed accepts cards issued in any currency, with conversion handled by the card network at the standard wholesale rate.
Paayed charges a simple per-transaction fee with no monthly costs, setup fees, or hidden charges.
Fees are deducted automatically from each settlement. You receive the net amount (transaction value minus fees) in your bank account.
When you issue a refund, the original processing fee is not returned. The refunded amount is deducted from your next settlement.
Settlements are the transfers from your Paayed account to your bank account.
Paayed settles on a T+1 basis. Transactions processed on a business day are deposited into your bank account the following business day.
Transactions processed on Saturday and Sunday are batched together and settled on Monday. If Monday is a bank holiday, settlement occurs on Tuesday.
Go to Reports > Settlements to see each deposit with the date, gross amount, fees deducted, and net amount deposited.
Every payment processed through Paayed is recorded in your transaction history.
Go to Transactions in the main navigation. You see a list of all transactions with the date, amount, payment method, customer email, and status.
Filter by date range, status (successful, failed, refunded), payment method, or amount. Use the search bar to find a specific transaction by ID or customer email.
Click any transaction to see the full details: card type, last four digits, authorisation code, fee breakdown, settlement status, and timeline of status changes.
You can refund a payment fully or partially from the Paayed dashboard.
Refunds are processed immediately on Paayed’s side. The customer sees the refund on their statement within 5-10 business days, depending on their card issuer.
If the transaction has not yet settled, you can void it instead. A void cancels the transaction before the money moves, which is faster for the customer. After settlement, only a refund is possible.
The Paayed payment gateway connects your website or application to the card networks, securely processing payments in real time.
Hosted checkout is the fastest way to start accepting payments online. Paayed hosts the payment page for you.
The hosted checkout page displays your business name and logo. Set these in Settings > Business Profile.
Because card details are entered on Paayed’s servers, your PCI compliance scope is minimised to the simplest level (SAQ A).
Payment links let you accept payments without a website. Create a link, share it, and get paid.
Copy the link and share it via email, SMS, WhatsApp, or social media. The customer clicks the link, enters their card details, and pays instantly.
Each link has a unique ID. View all payment links and their status (active, paid, expired) in Payments > Payment Links.
The Paayed API lets you build a fully custom payment experience.
All requests require your secret API key in the Authorization header: Bearer sk_live_your_key.
Sandbox mode lets you test your integration without processing real payments.
Go to Settings > API Keys and copy your Sandbox API keys. Use these in your integration instead of live keys.
Use any future expiry date and any 3-digit CVV.
Sandbox transactions appear in your dashboard with a “Test” label. They do not affect your live data or trigger real charges.
Once you have tested your integration in sandbox mode, switching to live payments takes a few steps.
Go to Settings > API Keys and copy your Live API key. Replace the sandbox key in your integration. No other code changes are required.
Process a small test payment with a real card to confirm everything works. Check that the transaction appears in your dashboard and that the settlement is scheduled correctly.
The Paayed A920 is an Android-based POS terminal for accepting in-person card payments.
Enter the payment amount on the terminal keypad, then ask the customer to tap, insert, or swipe their card. The terminal displays the result within seconds.
The A920 supports Wi-Fi and 4G SIM. For mobile use (markets, events, deliveries), insert a SIM card for cellular connectivity.
The terminal has a built-in thermal printer for paper receipts. You can also send digital receipts via email or SMS from the terminal.
In-person payments are processed through the Paayed A920 POS terminal at a rate of 1.2% + 10p per transaction.
The terminal batches transactions automatically. All successful payments settle to your bank account on a T+1 cycle. You can view the day’s totals in Transactions on your dashboard.
The Paayed A920 terminal accepts all major contactless payment methods.
Standard contactless card payments have a £100 limit per transaction (set by UK card issuers). Mobile wallets (Apple Pay, Google Pay) have no transaction limit because they use biometric authentication.
Enter the payment amount on the terminal. The customer holds their card, phone, or wearable near the NFC reader. The terminal confirms the payment in under two seconds.
Transactions can fail or be declined for several reasons. Understanding the decline codes helps you resolve issues quickly.
Go to Transactions and filter by status Failed or Declined. Click any transaction to see the specific decline code and reason.
Ask the customer to try a different card or payment method. Do not retry the same card repeatedly, as this can trigger additional fraud flags.
A chargeback occurs when a cardholder disputes a transaction with their bank. Paayed notifies you and guides you through the response process.
You receive an email and dashboard alert when a chargeback is filed. The notification includes the transaction details, dispute reason, and response deadline (typically 14 days).
The card issuer reviews your evidence and makes a decision. If the chargeback is reversed, the funds are returned to your account. If upheld, the disputed amount and a chargeback fee are deducted from your next settlement.
Use clear billing descriptors, send receipts, enable 3D Secure, and keep records of all customer communications.
Paayed accepts payments from cards issued in any currency. The platform converts foreign transactions to GBP for settlement.
When a customer pays with a non-GBP card, the transaction is authorised in the card’s currency and converted to GBP at the prevailing exchange rate set by the card network (Visa or Mastercard).
Paayed does not add a currency conversion markup. The exchange rate applied is the standard wholesale rate from the card network at the time of settlement.
Click any transaction to see the original currency, converted GBP amount, and exchange rate applied. This is useful for reconciling payments from international customers.
Recurring payments let you charge customers automatically on a schedule. This is ideal for subscriptions, memberships, or instalment plans.
View all active recurring plans in Payments > Recurring. You can pause, cancel, or update the amount for any plan. Customers receive email notifications before each charge.
If a scheduled payment fails, Paayed retries automatically after 3 and 7 days. You receive a notification for each failed attempt. After two retries, the plan is paused and marked for review.
Paayed sends real-time notifications to keep you informed about payment activity.
The bell icon in your dashboard shows unread alerts. Click to see recent activity and action items such as pending disputes or failed recurring payments.
Go to Settings > Notifications to choose which events trigger email alerts. You can also add additional email recipients (e.g., your accountant or operations manager).
For automated systems, configure webhook URLs in Settings > Webhooks to receive JSON payloads for payment events in real time.
Paayed provides detailed reporting tools to help you track revenue, reconcile accounts, and prepare financial summaries.
Click Export on any report or transaction list to download a CSV file. You can import this into Excel, Xero, QuickBooks, or any accounting software.
Go to Reports > Scheduled to set up automatic daily, weekly, or monthly reports delivered to your email.
Paayed is PCI DSS Level 1 certified, the highest level of payment security compliance.
3D Secure (Verified by Visa, Mastercard SecureCode) adds an extra authentication step for online payments. This reduces fraud and shifts chargeback liability to the card issuer for authenticated transactions.
Every transaction passes through Paayed’s real-time fraud engine, which checks velocity, geolocation, card history, and configurable rules. Suspicious transactions are flagged or blocked automatically.
Because Paayed handles all card data, your PCI compliance scope is minimised. If you use hosted checkout or payment links, you qualify for the simplest PCI self-assessment (SAQ A).
