Card terminals, online payments and business finance for UK owners whose first business language is Polish or Romanian.
Kartapay is a UK-only comparison service for card terminals, online payment gateways, merchant cash advance and business loans, written natively in Polish at /pl/ and Romanian at /ro/ for UK SME owners whose first business language is not English. One UK company (Best Business Loans Ltd, Companies House 16833937), one UK-licensed acquirer and lender panel, native onboarding in Polish or Romanian, no English required to apply.
Read this in English here, or switch below to your language. One company. UK-regulated where it matters. Same products, native support. We compare every UK-licensed card-machine provider and a curated panel of UK SME lenders, then onboard you in your first language.
Read this in your language · Wybierz język · Alege limba
Each language is a complete UK SME site with around forty pages, written natively for the community. Not a translation. Not a thin auto-translated mirror. The Polish site answers Polish-UK questions; the Romanian site answers Romanian-UK questions. Both funnel to the same UK lender and acquirer panel.
Phase 2 (later in 2026): ਪੰਜਾਬੀ Punjabi, اردو Urdu, বাংলা Bengali, हिन्दी Hindi, ગુજરાતી Gujarati. We are launching with Polish and Romanian first because those communities have the largest gap between the number of UK SME owners and the supply of native-language business comparison content. Punjabi / Urdu / Bengali / Hindi / Gujarati arrive once Polish and Romanian have settled.
Who this site is for
Anyone running, planning, or considering a UK SME whose first business language is not English. The site is UK-only: we compare UK-licensed acquirers and UK SME lenders, not Polish-domestic or Romanian-domestic services. You can read it from anywhere; the products and contracts are UK.
Dla polskich przedsiębiorców
Polski właściciel firmy w UK lub planujący przeprowadzkę. Polski księgowy lub doradca biznesowy szukający porównania terminali płatniczych, bramek online, MCA, kredytu obrotowego, leasing, faktoring dla brytyjskiej spółki Ltd. Pre-settled status, brak UK credit history, polska Ltd zarejestrowana w UK Companies House: wszystko obsługiwane.
Pentru antreprenori români
Proprietar român de afacere în UK sau care planifică să se mute. Contabil sau consultant român care caută comparație de terminale de plată, plăți online, MCA, linie de credit, leasing, factoring pentru o societate Ltd britanică. Pre-settled status, fără UK credit history, Ltd românească înregistrată la UK Companies House: totul rezolvat.
Phase 2 audiences (coming): Punjabi, Urdu, Bengali, Hindi, Gujarati
ਪੰਜਾਬੀ ਉੱਦਮੀਆਂ ਲਈ Punjabi
UK ਵਿੱਚ ਆਪਣੀ ਦੁਕਾਨ, ਟੇਕਅਵੇ, ਟੈਕਸੀ, ਜਾਂ ਛੋਟਾ ਕਾਰੋਬਾਰ ਚਲਾ ਰਹੇ ਪੰਜਾਬੀ ਮਾਲਕਾਂ ਲਈ। ਕਾਰਡ ਟਰਮੀਨਲ, ਔਨਲਾਈਨ ਪੇਮੈਂਟ, ਬਿਜ਼ਨੈਸ ਲੋਨ। Coming in Phase 2.
اردو بولنے والے کاروباری افراد کے لیے Urdu
برطانیہ میں اپنا کارنر شاپ، ٹیک اوے، ٹیکسی، یا چھوٹا کاروبار چلانے والے اردو بولنے والے مالکان کے لیے۔ کارڈ ٹرمینل، آن لائن ادائیگی، بزنس قرض۔ Coming in Phase 2.
বাংলা ভাষাভাষী উদ্যোক্তাদের জন্য Bengali
UK তে নিজের দোকান, রেস্টুরেন্ট, টেকঅ্যাওয়ে বা ছোট ব্যবসা পরিচালনাকারী বাংলা ভাষাভাষী মালিকদের জন্য। কার্ড টার্মিনাল, অনলাইন পেমেন্ট, ব্যবসায়িক ঋণ। Coming in Phase 2.
हिन्दी बोलने वाले उद्यमियों के लिए Hindi
UK में अपनी दुकान, रेस्तरां, टैक्सी या छोटा व्यवसाय चलाने वाले हिन्दी बोलने वाले मालिकों के लिए। कार्ड टर्मिनल, ऑनलाइन भुगतान, बिज़नेस लोन। Coming in Phase 2.
ગુજરાતી ઉદ્યમીઓ માટે Gujarati
UK માં પોતાની દુકાન, રેસ્ટોરન્ટ, ટેકઅવે કે નાનો ધંધો ચલાવતા ગુજરાતી માલિકો માટે. કાર્ડ ટર્મિનલ, ઑનલાઇન પેમેન્ટ, બિઝનેસ લોન. Coming in Phase 2.
How it works
- Read the site in your language. Pick Polski or Română above. You land on a complete forty-page site covering UK card terminals, online payment gateways, merchant cash advance, business loans, and the UK-specific stuff like pre-settled status and Companies House credit files. Written natively, not auto-translated. Pollution-checked so we are not accidentally comparing UK businesses against polcard.pl or mypos.com/ro-ro.
- Compare and choose. Eighty-plus UK card-machine providers (SumUp, Square, Zettle, Stripe Terminal, Dojo, takepayments, Worldpay, Barclaycard, Lloyds Cardnet, NatWest Tyl, Tide, myPOS, Adyen) and fifty-plus UK SME lenders (iwoca, Liberis, YouLend, Capify, Fleximize, Funding Circle, plus the specialist tier (Swiftfund, Bizcap, JPM Capital, Cubefunder) for the post-decline cases). All entries are UK-licensed entities, verified at Companies House.
- Onboard in your first language. When you apply, a Polish-speaking or Romanian-speaking person walks you through the application. The contract is in English because the acquirer or lender is a UK regulated entity, but you get a side-by-side translation of every clause and a walkthrough in your language before you sign.
What we cover
Card terminals and digital payments
- Counter and portable card terminals. SumUp, Square, Zettle by PayPal, Stripe Terminal, Dojo, takepayments, Worldpay, Barclaycard, Lloyds Cardnet, NatWest Tyl, Tide, myPOS, Adyen.
- Tap to Pay on iPhone and Android SoftPOS. Mobile, no hardware. Best fit for taxi, market, mobile beauty, builders on call-outs.
- Online checkout gateways. Stripe, PayPal, Shopify Payments, GoCardless for Direct Debit, WooCommerce stack, Adyen for scale.
- Bank-tier vs ISO-tier explained. The single most common confusion: SumUp is not a bank, Barclaycard is not an aggregator. We make the distinction concrete.
Business finance: MCA, working capital, asset
- Merchant cash advance (MCA). Repay from card takings. iwoca, Liberis, YouLend, Capify, plus the specialist tier for post-decline.
- Working capital and term loans. Funding Circle, Fleximize, OakNorth, Allica, Tide loans, plus 365 Business Finance and Bizcap for second-look cases.
- Asset finance and leasing. Vans for Polish builders, refrigeration for Romanian-owned takeaways, salon equipment, restaurant fit-outs. Close Brothers, Time Finance, Aldermore, Hampshire Trust.
- Pre-settled status, no UK credit history, foreign-owned UK Ltd. The lender-by-lender table that does not exist in either language anywhere else.
UK-only, with a real address and a real phone
We are Best Business Loans Ltd, UK Companies House registration 16833937, registered in Halstead, Essex. Operated by the same fleet that runs MerchantHQ for English-language UK card payments and FundBiz for English-language UK SME finance. The legal entity, the panel, and the contracts are identical across all our sites. The differentiator on Kartapay is the language and the angle.
UK only. We do not compare polcard.pl, mypos.com/ro-ro or other home-country domestic services. More on our pollution-disambiguation policy.
Why this site exists in two languages
Who is this site for?
UK-resident SME owners who do business in Polish or Romanian. Around 743,000 Polish-born and ~700,000 Romanian-born UK residents per the 2021 Census, with heavy concentration in construction, hospitality, beauty, transport, cleaning and car-wash sectors. Most existing UK business comparison content is English-only. Most existing Polish-language and Romanian-language business content is for the home country, not the UK. We are the bridge.
Why is the main page in English?
So the site can be cited in English-language press, linked to by accountants and finance brokers, and surfaced by AI search engines when someone asks them in English. The actual product depth lives at /pl/ and /ro/. We do not auto-redirect on browser language because that breaks shared links. You pick the language, every time.
Are the products different for different languages?
No. Every Polish-speaking and Romanian-speaking customer gets the same UK-licensed acquirer panel and the same lender introductions. What changes is the language of the comparison and the angle of the questions answered. A Polish-language MCA page leads with "kredyt po odmowie iwoca". A Romanian-language MCA page leads with "MCA pentru spălătorie auto". Same product, different framing.
Common questions about the products
Do I need to speak English to apply?
No. The application is in your language. The contract is in English because the acquirer or lender is a UK regulated entity, but you get a side-by-side translation of every clause and a walkthrough in your language before you sign.
Can I get a UK business loan with pre-settled status?
Yes, with the right lender. Several UK SME lenders accept pre-settled status as long as you show six months of trading and a UK business bank account. We publish which lenders say yes, which say no, and which require additional checks. The list is on the finance page in your language.
Is merchant cash advance regulated in the UK?
Lending to UK limited companies is largely outside the FCA perimeter by design. That is not a warning, it is the structure of UK commercial lending. Sole-trader products under twenty-five thousand pounds do fall inside the FCA perimeter, and we flag those clearly with the standard consumer-credit disclosures wherever they apply.
How long does setup take?
Card terminal: two to seven working days from application to device on your counter. Online gateway: same day for SumUp / Square / Stripe; one to three days for Worldpay or a bank acquirer. MCA decision: twenty-four to forty-eight hours. Business loan: two to ten working days, depending on lender and documents.
What does it cost?
Comparing and applying through us is free. The cost is the standard provider rate: typically 1.69% to 2.5% per transaction for SumUp / Square / Zettle Tap to Pay, or a monthly contract from £15-30 plus interchange-plus pricing for Worldpay / Dojo / Barclaycard. MCA factor rates run 1.10 to 1.40 across our panel. Detailed cost calculators are on each language site.