Many businesses could save on their card fees. Send us your statement and let us beat your rate. See pricing →

Legal

Terms of Service

Last updated: October 2026

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of the website, products, and services provided by UCONNEQT LTD, trading as Payzu ("we", "our", "us"). By accessing our website or using our services, you confirm that you accept these Terms and that you agree to comply with them.

If you do not agree to these Terms, you must not use our website or services. We recommend that you print a copy of these Terms for future reference.

2. Use of Website

You agree to use our website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website.

  • You must not misuse our website by knowingly introducing viruses, trojans, worms, or other material that is malicious or technologically harmful.
  • You must not attempt to gain unauthorized access to our website, the server on which our website is stored, or any server, computer, or database connected to our website.
  • We do not guarantee that our website will be secure or free from bugs or viruses. You are responsible for configuring your information technology to access our site.

3. Our Products & Services

Payzu supplies, sets up and supports card payment terminals. Card payments are processed by our regulated payment partner, which your merchant agreement is with. For business cash advances, business loans, business credit cards and accountancy services, Payzu acts as a business-to-business introducer. We are not a lender, a credit broker or a payment provider, and we do not arrange credit or enter into agreements on our partners’ behalf.

When you make a finance or accountancy enquiry, we introduce your business to one of our partners. Our partners are authorised by the Financial Conduct Authority where their products require it. Some products, such as merchant cash advances, are not regulated by the Financial Conduct Authority.

The partner assesses your application, sets the terms and makes the final decision. Any agreement for terminals, card processing, funding, credit or accountancy services is between your business and that partner, and will be set out in a separate agreement provided by the partner before you commit.

4. No Financial Advice

We provide general information about our partners’ products. We do not give financial, legal, tax or investment advice, and nothing on our website or in our communications is a personal recommendation. You should decide for yourself whether a product is right for your business and seek independent advice if you need it.

5. Eligibility & Application Process

Our services are for UK businesses only and are not available to consumers. Eligibility depends on the product:

  • Card terminals and payment services: UK-registered businesses, including limited companies, partnerships and sole traders.
  • Business loans and business credit cards: UK limited companies, limited liability partnerships (LLPs) and public limited companies (PLCs) only. We do not introduce sole traders or partnerships for business loans or business credit cards.
  • Business cash advances and accountancy services: as set out by the relevant partner.

By making an enquiry or applying for a service, you confirm that:

  • You have the legal authority to act for the business you represent.
  • All information you provide is accurate, truthful and up to date.
  • You agree that we may pass your details to the relevant partner, and that partners may carry out credit, identity and compliance checks as part of their assessment.

We may decline to make an introduction, and partners may decline applications, at their discretion and without liability, including where eligibility criteria are not met.

6. Fees, Charges & Pricing

Our introductions and quotes are free of charge to you. We may receive a commission from our partners when you take out a product, such as a card terminal, funding or a business credit card. This does not cost you anything extra.

Fees, interest rates, processing charges and any other costs of the products themselves are set by the partner and will be shown to you in your agreement before any binding commitment is made. Rates and offers shown on our website, including “from” rates, are indicative and depend on your business and the partner’s assessment.

7. Third-Party Partners & Links

Our website contains links to, and information about, products provided by third parties, including payment providers, lenders, funding providers, Capital on Tap and our accountancy partner. These partners have their own terms and privacy policies, which apply when you deal with them. We are not responsible for their products, websites or decisions.

8. Liability & Disclaimers

To the fullest extent permitted by law, UCONNEQT LTD shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, or goodwill, arising out of or in connection with your use of our services or website.

While we strive to provide accurate estimates and information, any calculators or quotes provided on our website are for illustrative purposes only and do not constitute a guaranteed offer of finance or finalized processing rates.

9. Termination & Account Closure

We reserve the right to suspend or terminate your access to our website and services immediately, without prior notice, if you breach any provision of these Terms.

If you have entered into a contract with one of our financial or merchant partners, termination of those specific services will be governed by the terms outlined in that respective agreement.

10. Contact & Dispute Resolution

If you have a complaint or dispute regarding our services, please contact us first so we can attempt to resolve the issue informally:

These Terms are governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the English courts.

11. Final Provisions

We may revise these Terms from time to time. Every time you wish to use our site, please check these Terms to ensure you understand the rules that apply at that time.

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.