Payments

Take a card three ways.
No forced processor. No lease.

Use the iPhone in your pocket with no machine at all, an integrated terminal we ship pre-paired, or keep the one you already have. Deposits and staged payment plans collect themselves — and every payment ties back to the order and the bride.

Your choice, not ours

Three ways to take the money.

Most systems lock you to their processor and their hardware lease. We don't. Pick the rung that suits your counter — change it whenever.

No machine to buy
📱

Tap to Pay on iPhone

The house default

The only way to take a card in person with no card machine at all. Hold the customer's card, Apple Pay or Google Pay to the top of the iPhone you already own — the sale is done and posted to the order.

  • Nothing to buy or lease
  • Contactless + PIN-on-glass for higher amounts
  • iPhone XS or newer, iOS 16.4+
£0 hardwareJust your iPhone
🧾

An integrated terminal

We ship it pre-paired

Want a proper machine on the counter? We sell and pre-configure one, paired to your till — the amount is pushed to it, the result comes back, and the day reconciles itself. Nothing typed twice.

  • Stripe Reader S700 — countertop + printer
  • BBPOS WisePad 3 — pocket Bluetooth reader
  • Auto-reconciles to each deposit & instalment
from £49WisePad 3 · or S700 £229 · one-off, no lease
🔌

Keep your own terminal

Bring what you have

Already have a machine and a rate you like? Keep it. Key the amount in as you do today and mark it paid in the till. No switching, no penalty, no new contract.

  • Your existing merchant contract stays
  • No lock-in, no migration required
  • Still take deposits online with card-on-file
£0 to switchBecause you don't have to
Built for bridal, not groceries

Staged payment plans, first-class.

A £2,000 gown isn't one payment — it's a deposit, a few instalments and a balance on collection. BoutiqueHQ treats a payment plan as a real object your team and the bride can see, with reminders that chase themselves.

  • Set a deposit + instalment schedule at the point of sale
  • Auto-reminders (SMS + email) before each instalment
  • Every payment ties to the exact deposit or instalment
  • The bride tracks her balance and pays from her own portal
Deposit · 12 May£500
Instalment · 12 Jun£500
Instalment · 12 Jul£500Due now
Balance · on collection£500Scheduled
£1,000 of £2,000 collected · ivory corset gown
No forced processor. No hardware lease. No penalty for leaving.

Rivals tie you to a one-year hardware lease with a balloon penalty. We'd rather earn it — keep your terminal, keep your rate, and take your data with you if you ever go.

Straight about rates

What it actually costs.

Simple flat-rate pricing for most shops; interchange-plus only where the volume makes it cheaper. We tell you which suits you — we don't dress it up.

~1.7%

In person

Flat rate for Tap to Pay + integrated terminal — the right default for shops under ~£10–15k/month.

Online

Deposits & plans

Card-not-present rate on portal deposits and instalments, so staged payments still earn their keep.

IC++

High volume

Interchange-plus for the busiest multi-location shops, where it beats flat rate. We flag it when you cross the line.

Payment questions, answered.

Do I have to use your card machine?

No. Take payments on your iPhone with no machine at all, buy an integrated one from us, or keep the terminal you already have. Your choice, and you can change it later.

Is Tap to Pay on iPhone really enough on its own?

Yes — it's a full contactless card reader built into iPhone XS and newer (iOS 16.4+). Contactless, Apple Pay and Google Pay tap straight onto the phone; higher amounts take a PIN on the screen. No dongle, no second device.

Can I take a deposit now and the balance later?

That's the point of payment plans. Set a deposit and instalment schedule at the till; reminders go out on their own and the bride can pay her balance from her portal before collection.

Will an integrated terminal reconcile automatically?

Yes. The amount is pushed to the reader and the result comes back into the till, tied to the exact order, deposit or instalment — so your end-of-day adds up without manual matching.

What about surcharging the card fee to customers?

Adding a surcharge to consumer cards has been banned in the UK since 2018, so we don't offer it here — the fee is a cost of trading, priced in like any other.

Start taking cards your way.

Free 30-day trial, no card to begin, and we migrate your data for free. Trade the same day on the iPhone you already own.

Start free