For SMEs
The alternative payment method built for lower costs and instant settlement
Your payments are quietly costing you
For most businesses, the friction isn't the sale. It's what happens after.
Every sale costs you a cut
Transaction fees eat into revenue you've already earned.
Your money moves too slow
Settlement cycles hold your funds for days. Cash flow can't wait that long.
A sale isn't done when it's paid
Chargebacks and fraud put card payments at risk long after the customer's gone.
One ecosystem, from first sale to scale
Everything to accept payments and run the business, as you grow.
Payment Devices
In-person payments, made simple
Accept in-person payments by dynamic QR across our device range, simple to register and manage.
Merchant App
Your whole business, run from your phone
Onboard, accept by dynamic QR, manage devices and refunds, track balances, and withdraw to your bank, with performance analytics.
Payment Gateway
Get paid online
For online SMEs, accept across cards, bank payments, and alternative methods, with Pay with Pay10 built into your checkout.
Merchant Portal
See the whole business, in one view
Reporting, settlements, VAT, and multi-user visibility, everything you need as you grow.
However you sell, Pay10 gets you paid
01
Enter amount
Enter the amount in the Pay10 Device.
02
Dynamic QR
A dynamic QR is generated.
03
Customer confirms
Customer scans and confirms by biometrics or PIN.
04
Paid instantly
Payment confirms instantly; funds land in your balance.
01
Chooses Pay with Pay10
Selects Pay by Pay10 as the payment method.
02
Authorises
Confirms in the Pay10 app, or scans a dynamic QR
03
Payment complete
Returns to your site, payment complete.
Wherever people pay, Pay10 works
Retail & FMCG
A supermarket clears busy checkout queues with QR payments that settle instantly, cutting fees on high-volume, low-margin baskets.
Food & Beverage
A café or QSR takes payment in seconds at the counter, with money landing in real time instead of on a settlement cycle.
Services & Lifestyle
A salon or gym collects payments without card-machine costs, keeping more of each booking.
See how we help businesses like yours grow
Explore what Pay10 offers in your market.