Browse our comprehensive FAQ section for clear, concise answers to your most common funding queries.
We provide portable, mobile, and countertop terminals, as well as online payment links and virtual terminals for remote payments.
Most businesses can be set up within 24–48 hours once approved. Your card machine is shipped immediately after activation.
Our rates are transparent and tailored to your business type and turnover. There are no hidden fees.
Yes — most card transactions settle the next working day, keeping your cash flow healthy.
Absolutely. You can use Pay-by-Link, a secure hosted payment page, or integrate online payments into your website.
You get UK-based customer support, available when you need help with terminals, settlement queries, or account updates.
We offer working capital loans, short-term finance, merchant cash advance and asset or equipment funding through trusted UK lenders.
Many SMEs receive a decision within 24 hours, with funds often released within 1–3 business days.
If your business has regular revenue and 3+ months trading, you will likely qualify.
Most lenders perform a soft check for eligibility, which does not affect your credit score.
Common uses include stock, equipment, cash flow, expansion, hiring, or renovations.
No. You only pay once funding is approved and accepted.
We supply 240L, 660L, 770L, and 1100L bins, suitable for small shops to larger premises.
Choose from weekly, fortnightly, or custom schedules based on your waste volume.
Bins are typically delivered within 2-3 weeks.
Yes — we provide general waste, dry mixed recycling, cardboard, and glass recycling solutions.
No. We offer transparent pricing, with no surprise fees for duty of care or bin rental.
We cover most regions across the UK. Get in touch for availability in your postcode.
Yes — we manage the full switching process, saving you time and ensuring no interruptions to your supply.
No. Switching suppliers is a paperwork-only process and does not disrupt your service.
We compare prices from trusted UK energy suppliers, focusing on competitive rates and fair contract terms.
No — our service is free, and we’re paid by our supplier partners.
We recommend reviewing your energy contract 6 months before it ends to avoid expensive rollover rates.
A recent bill is ideal, but even without one, we can still gather the details needed to compare rates.
SwiftPayments is a trading name of Access Pay Ltd, providing essential services that help SMEs save money, improve operations, and grow.
We work with retailers, cafés, salons, trades, offices, e commerce stores, charities, and many more SME sectors.
Yes — we follow strict UK data protection guidelines and GDPR requirements.
You can reach us via email, phone, or the contact form on our website. We respond quickly to all SME queries.
Yes — many SMEs save money by managing card payments, waste, energy, and funding all through us.
Never. We prioritise transparent pricing.
