Solutions & Services
Payment Guru have a range of solutions & services that can help your business far beyond just Chip & Pin machines and payments. Our variety of solutions and partners means we can support your business far beyond simple payment and help you make the most of your payment software.

Merchant Services
With years of expertise and insight into pricing models, we’ll secure you a better deal while ensuring seamless integration with most F2F and online systems.

Payment Terminals
We offer a variety of payment terminals, including fixed, portable, and mobile devices. From traditional machines like Ingenico/Verifone to newer smart Android devices like Castles and PAX, we provide solutions that fit your business needs.

Tipping Solutions
Save Up to 15% Employer and 8% Employee NIC with Our Smart Tronc Solutions. Cut National Insurance costs on tips and gratuities while fully complying with the latest legislation, including the 2023 Act. Our expert-led tronc management not only simplifies tipping but also protects your business from fines of up to £5,000 per employee. Hassle-free, fully legal, and built to save you money.

Payment Gateway and Virtual Terminal
Take payments online, over the phone, or anywhere you do business. Our flexible gateway and virtual terminal solutions make it easy to accept card and digital wallet payments securely, while reducing your reliance on high-fee platforms like PayPal. Help grow your eCommerce business and be empowered by the options available to you.
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Dynamic Currency Conversion (DCC)
Turn overseas card payments into extra revenue. Dynamic Currency Conversion (DCC) allows international customers to pay in their home currency, with real-time exchange rates and complete transparency, while your business earns a share of the transaction.

Payment Links
Gain control over BACS and invoice payments by email or texting payment links or QR codes. Get real-time payment confirmations and make chasing payments easier.

Open Banking & A2A
Switch to account-to-account payments to save on high card transaction fees. Perfect for high-value transactions, open banking can be supported in both face-to-face and eCommerce payments.
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Visa Merchant Performance Program (VMPP)
If your business accepts Visa Business Debit cards, you could be overpaying on transaction fees without even knowing it. We help you unlock savings through the Visa Merchant Performance Program (VMPP) - a little-known opportunity that can make a big difference to your business's bottom line.
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Level 2 & 3 Data (Enhanced Transaction Data)
Reduce your processing fees and increase reporting accuracy. Level 2 and 3 data solutions automatically pass enhanced transaction information to the cardholder statement, helping B2B and corporate payments qualify for lower interchange rates. This saves your business money with every transaction and keeps these customers sticky.

Alternative Payment Methods
Today’s consumers expect choice at checkout. By offering Alternative Payment Methods (APMs) like Open Banking (A2A), Buy Now Pay Later (BNPL), and digital wallets, including UnionPay, WeChat Pay, and Alipay, you create a more flexible, user-friendly experience that helps boost conversions and grow your business.

High-Risk Solutions
Are you struggling to get approved for a merchant account due to your industry? We help high-risk businesses - from Gaming to Vape/CBD to adult services or subscription models - access reliable, secure payment solutions without inflated fees or frequent disruptions.
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Marketplace & Payment Facilitator (PFAC)
Are you running a multi-seller platform like Eat or Amazon? Whether you're building a marketplace or acting as a payment facilitator, we'll help you manage sub-merchants, streamline payments, and stay compliant without relying solely on companies such as Stripe.
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EPOS Solutions
Our tailored EPOS solutions centralise orders, payments, stock, and more into one device. Paired with smart terminals, our systems boost efficiency, reduce errors, and help your team sell and serve more effectively.

Omnichannel Payments
Streamline customer interactions with our omnichannel solutions, offering seamless service across stores, websites, and apps. Perfect for businesses looking to deliver consistent, connected experiences at every stage of the customer journey.

QR Code & Mobile Ordering
Elevate customer experience with QR codes and mobile ordering. Enable quick self-service, pre-ordering, and seamless payments from their own device.

Loyalty Solutions
Increase retention and average spending with our card-linked loyalty solutions. Keep customers coming back with programs that are simple to use and drive real results.