Pricing
Transparent Pricing. Zero Hidden Fees.
No setup fees, no minimum monthly transactions, and no nasty surprises buried in the small print.
Payments that work with your business
Whether you're a local coffee shop, hair salon, or a solar, glazing and insulation contractor — we get it. Every business is different, and N1 Payments is built to flex around yours.
Our pricing is completely transparent. No setup fees, no minimum monthly transactions, no hidden charges. What you see is exactly what you pay — no nasty surprises, just straightforward payments that work.
- ✓ Fast account set up and approvals
- ✓ Next-day settlements*
- ✓ Live transactions and reporting via app and desktop portal
- ✓ Pay by Link / Virtual Terminals
- ✓ Human customer support 24/7
- ✓ No PCI charges
Reporting
Live Transactions and Clear Reporting
Track payments as they happen through the app and desktop portal without relying on guesswork.
Support
Human Customer Support 24/7
Speak to real people when you need help, not a generic support queue that leaves your business waiting.
About N1 Payments
Independent.
Local.
On Your Side.
N1 Payments was founded by industry specialists with over nine years of hands-on experience. We understand compliance, technology, and the real challenges businesses face every day.
Headquartered in Portsmouth, we support businesses across the UK — from independent traders and local shops to growing enterprises.
We are more than a payments provider — we're a long-term partner. Every merchant gets a dedicated account manager: a real person who knows your business. Whether it's a quick question or an urgent issue, we're available 24/7 when you need us.
Here to help!
Tell us where you are in the process and we will point you to the right setup fast.
I'm Starting Out
New to taking card payments? We'll help you choose the right terminal, rates, and support without the usual runaround.
Get Started
I Want to Switch Provider
Fed up with slow settlements, hidden fees, or a provider that does not understand how you take payments? Switching is simpler than you think.
Compare & SwitchCard Payment Solutions
4G & Wi-Fi
Bluetooth
Long battery
Portable terminal
N1 PAX A920
A portable card machine for busy businesses
- ✓Handheld, portable 4G terminal with built-in SIM
- ✓Next-day settlements as standard
- ✓No PCI charges
- ✓Human customer support 24/7
- ✓Live transactions and reporting via app and desktop portal
Trusted by businesses across the UK
Voices of our clients
Not taking our word for it? Here is what our customers said after making the switch to N1 Payments.
"Thrilled to partner with N1 Payments! They've provided us with cutting-edge payment tech, instant gateways for WhatsApp/text/email, durable PDQs for our counter, exceptional local support, and significant fee savings from our last provider."
★★★★★
Callum Worley — Owner, CH Electrical
"N1 Payments has been an absolute game changer for our business. The level of service is unlike anything we've experienced before. From day one, the team have been responsive, transparent, and genuinely committed to helping us succeed. No hidden charges, no chasing for answers — just honest, outstanding support every step of the way. I'd recommend N1 Payments to any business owner without hesitation."
★★★★★
Owner, Warmer Solutions
"The world of card machine payments and processing charges can get very complicated with a lot of companies hiding charges and trying to dazzle you with very low headline rates which are often too good to be true."
★★★★★
Phil — Owner, Pie Caramba
"What a difference N1 Payments has made to our Hotel business! Incredible machines, a pleasure to work with — extremely professional, knowledgeable and friendly. Great service, second to none."
★★★★★
Ben — Owner, Westmead Hotel
"We deliver to customers across southern England, so taking payments on the go is a must. N1 Payments makes it effortless — reliable, fast, and fair fees. It's an essential part of how we run CNC Builders."
★★★★★
Mandeep — Owner, CNC Builders
"N1 Payments have been fantastic — completely honest, always at the end of the phone, and full of outstanding advice. As a business owner in the solar industry, the overall experience has been nothing short of excellent. Highly recommended."
★★★★★
Business Owner, My Home Solar
"Great service, tech support, and competitive rates. N1 Payments have been brilliant for our business and local community — we couldn't ask for more."
★★★★★
Owner, Tandoori Lounge · Hornchurch
FAQs
Yes. Many customers come to N1 after generic providers were too rigid, too slow, or simply did not understand how their business takes payments. We will assess the setup honestly and point you to the best-fit route.
No. Many terminals include a roaming SIM and can also work with Wi-Fi where available, so you can take payments in stores, venues, treatment rooms, or out on site.
Yes. Pay by Link, virtual terminal access, and payment gateways give you several ways to collect deposits, staged payments, invoice balances, and website payments.
Next-day settlement is standard, helping keep stock, wages, bills, and day-to-day cash flow moving.
Absolutely. N1 can support businesses running several devices, teams, tills, or locations under one account, with central reporting and a setup that scales as the business grows.
Yes. For businesses that need more than a terminal, N1 can help with EPOS options alongside card payments, online payments, and settlement support.
Do you want to know more?
If you would like to compare options for your business and see which route fits best, we can help map out the next step.