payb.co.uk

What It Is

Payb is an online payment processing provider centered around Manchester, UK. Its website says it offers payment gateways, merchant accounts, online payments, phone/virtual payments, recurring billing, QR and App payments, and white-label payment services. It is positioned as an acquiring infrastructure solution that merchants and developers can integrate quickly.

Core Capabilities

In terms of payment methods, Payb explicitly covers credit/debit card processing and supports online, phone, mobile App, QR code, and recurring payments. For developers, it provides a Developer Portal, Integration Guide, API access, mobile SDKs, and plugins for Shopify, WooCommerce, PrestaShop, and Magento. Integration options also include Direct Integration, Hosted Payment Form, and Transparent Redirect. In terms of coverage, the site says the service can be used locally and globally, and its pricing distinguishes between UK & Europe and Rest of the world/non-European cards, but it does not list a complete set of supported countries, currencies, or wallets.

Pricing and Settlement

Payb’s fee structure is relatively straightforward: no setup fee, no monthly fee, no hidden fees, no contract, and no minimum monthly transaction volume. For SME merchants, European cards are charged at 1.2% + 20p, while non-European cards are charged at 2.5% + 20p. High-risk businesses are charged at 4% + 20p. Businesses with monthly revenue above £50,001 need to request a custom quote. For settlement, the site states that settlements are made every business day, with Daily Settlements, and the pricing page also mentions Next Day Payments.

Compliance, Risk Controls, and Support

Compliance disclosures state that Payb is registered as an Independent Sales Organisation for Visa and Mastercard, and that it is a trading name of Master Rates International Ltd. However, the main content does not provide more complete regulatory information such as FCA/EMI status. On risk controls, it only states that fraud prevention technology is used and that 3D Secure is included, with limited detail on chargeback management, rule engines, or similar capabilities. For support, the website says technical support is available 24/7 and highlights that merchant account approval takes around 48 hours.

Pros, Cons, and Who It’s For

Its advantages are clear pricing, low startup costs, and multiple integration options. It is suitable for UK and European e-commerce businesses, SMEs, subscription businesses, in-app payment collection, and service providers that need white-label payments. Its limitations are insufficient disclosure around enterprise pricing, regulatory licenses, country coverage, currencies, digital wallets, and risk-control capabilities; BNPL is still marked as coming soon. Accessibility from China is not mentioned in the main content, so it should be treated as “unknown.” If you need to collect payments from Chinese merchants or Chinese consumers, it is worth comparing alternatives such as Stripe, Adyen, Checkout.com, Worldpay, and PayPal.