ratechecker
In-Person Payments

Accept payments face-to-face with confidence

Modern card terminals, fast contactless payments, and next-working-day settlements: everything you need to keep your business moving.

From retail counters to busy hospitality environments, find the right in-person payment solution with transparent pricing and personalised rates.

Super fast transactionsFlexible contractsHardware inclusive dealsFast settlementsFraud preventionHigh auth rates

Everything you need for in-store payments

Modern payment technology built to support fast, secure transactions.

Super fast transactions

Super fast processing speeds ensure checkout queues keep moving. Contactless tap-and-go in under a second.

Flexible contracts

Rolling monthly agreements with no long-term lock-ins. Scale up or down as your business needs change.

Hardware inclusive deals

Get free terminals included with your plan. Swap or upgrade devices as your business grows.

Fast settlements

Next-working-day payouts as standard, keeping your cash flow healthy and predictable.

Built-in fraud prevention

Advanced fraud screening, 3D Secure authentication, and real-time transaction monitoring to protect every sale.

High authorisation rates

Intelligent routing and optimised processing deliver industry-leading approval rates so you never lose a sale.

Hardware

Explore our POS payment terminals

From mobile to unattended, find the right hardware for your business

Our POS terminals

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Why compare with Ratechecker?

Clear, transparent pricing

No hidden fees or surprise charges.

Like-for-like comparisons

Understand your true costs before making a decision.

Flexible hardware options

Including free terminal packages where available.

Digital-first, human support

Manage everything online with real people available if you need help.

See how much you could save

Get a personalised quote in 90 seconds, no obligation, no sales calls.

ratechecker

Digital statement analysis and personalised card payment quotes in under 90 seconds, built to empower businesses.

Platform

Copyright © 2026 Layopay Limited | All Rights Reserved

Ratechecker is a trading name of Layopay Limited. Registered in England Number: 14517140. Registered Office: Fulford House, Newbold Terrace, Leamington Spa, Warwickshire, CV32 4EA. Layopay Limited is registered with the ICO - Information Commissioner's Office (Registered Company No: ZB729065)

Layopay Limited is licensed and regulated by Visa and Mastercard as an ISO (Independent Sales Organisation) and Member Service Provider to conduct merchant account or transaction processing solicitation, sales, customer service, merchant training activities and / or solicitation and sales of POS terminals and / or mPOS devices.