Card Payments Made Simple
Accept payments in-store, online, and over the phone — fully integrated into Utility Umbrella.
Everything you need to get paid
Simple setup, transparent pricing, and full visibility across all transactions.
Payment Solutions Built for Every Business
Accept payments in-store, online, or over the phone — all in one secure platform.
PAX A920 Smart Terminal
Premium in-person payment device designed for fast, secure and reliable transactions anywhere.
Payment Gateway
Secure online checkout with full API integration and subscription billing support.
Virtual Terminal
Take payments over the phone or send secure payment links instantly.
Estimate Your Card Processing Rate
Adjust your monthly card volume to see estimated rates, savings, and approval likelihood.
Start Taking Payments in 24–48 Hours
Fast onboarding with secure verification and instant setup.
Apply Online
Submit your business details in minutes.
Secure Verification
Bank-level KYC checks to protect your business.
Instant Approval
Most businesses approved within 24 hours.
Go Live
Start accepting payments immediately.
Why Businesses Switch to Utility Umbrella
Lower fees, faster payouts, and full control — without complexity.
Trusted by Growing Businesses Across the UK
Real businesses reducing fees, improving cash flow, and scaling with confidence.
“Switching from Stripe made an immediate difference. Lower fees and faster payouts — exactly what we needed.”
“The onboarding was smooth and approval came through quickly. The virtual terminal has been a game changer.”
“We were overpaying without realising it. Now everything is clearer, and support actually responds.”
