pinpointpay.co.uk

What It Is

Pin Point Pay (PinPointPayments Ltd) is a UK-based payment solutions provider whose website positions it as “North East Payment Solutions & Card Machines.” Its products cover online payments, in-app payments, POS terminals, virtual terminals, and Payouts, targeting merchants that need integrated online and offline payment acceptance.

Core Capabilities

In terms of service types, it supports ecommerce websites, in-app checkout, in-store POS, phone payments/browser-based virtual terminals, and payouts to Visa and Mastercard cards. Its POS terminals support contactless payments, Apple Pay, and Chip and PIN, and come with a touchscreen, thermal printer, WiFi, and free SIM-based mobile connectivity, with an emphasis on long battery life and fast processing. The virtual terminal lets merchants enter customer card details in a browser on a computer, phone, or tablet, making it suitable for phone orders or situations where a POS terminal is unavailable. The merchant dashboard allows users to view transaction history, process refunds, and access reports and daily summaries.

Pricing and Compliance

On pricing, the website only provides broad commitments: no long-term contracts, low refund fees, no expensive rates, and no PCI fees. It also says it can review a merchant’s existing costs and offer better rates as business performance improves. However, it does not disclose specific transaction fees, monthly fees, hardware rental or purchase costs, cross-border fees, or settlement timelines. On compliance, the site explicitly states that it is PCI DSS Compliant and supports 3D Secure authentication, while also emphasizing 24/7 availability and multi-layer redundant backups. That said, it does not disclose its payment licenses, acquiring partners, or any fund safeguarding arrangements.

Pros and Cons

Its strengths are a relatively complete product set, making it suitable for small and medium-sized merchants that need in-store, mobile, and online payment acceptance at the same time. The lack of long-term contracts and PCI fees may also appeal to smaller merchants, and the POS hardware is described in reasonable detail. The main drawback is limited transparency around key information, especially pricing, settlement timelines, licensing, and API documentation. Its “global coverage” appears to mainly refer to payouts to eligible Mastercard/Visa cards, while the range of supported merchant onboarding regions is unclear.

Who It’s For and Access from China

It is better suited to local UK merchants, especially retailers, service businesses, mobile operators, and merchants taking phone orders in the North East. Chinese users looking to accept payments globally will typically pay more attention to alternatives such as Stripe, Adyen, Worldpay, Checkout.com, and PayPal. The source text does not provide information on website accessibility from mainland China, so it should be considered unknown.