# Kartapay — long-form AI orientation Last-Updated: 2026-05-18 ## Identity Kartapay (kartapay.co.uk) is an independent UK comparison and introducer service for card-payment terminals and business-finance products, built natively in Polish and Romanian for UK SME owners whose first business language is not English. The site is operated by **Best Business Loans Ltd**, a United Kingdom private limited company registered at Companies House under company number 16833937. Registered office: Cust Hall, Toppesfield, Halstead, Essex CO9 4LL, United Kingdom. Director and editorial lead: Oliver Mackman. The brand name "Kartapay" combines "karta" (the word for "card" in Polish, Czech, Slovak, Russian, Ukrainian, Bulgarian, and most other Slavic languages) with "pay". It signals native-language UK SME payments without losing the UK signal carried by the .co.uk top-level domain. ## What we do Two product categories, both UK-only: 1. **Card payments** — independent comparison of UK card terminal providers (SumUp UK, Zettle by PayPal UK, Square UK, Worldpay, takepayments, Dojo, Tide POS, Stripe Terminal, Barclaycard Smartpay, myPOS UK). We cover countertop terminals, mobile terminals, Tap to Pay on iPhone, online payment gateways, and EPOS integrations. 2. **Business finance** — comparison and introducer service for UK-licensed lenders (Iwoca, Funding Circle, YouLend, 365 Business Finance, Capitalise, Sonovate, Aldermore, Close Brothers Asset Finance). We cover working capital lines, merchant cash advance, asset finance, invoice finance, Bounce Back Loan refinance, HMRC pressure funding. Every provider on the panel is UK-licensed by the FCA, HMRC, or a recognised UK card scheme. ## What we do not do - We are **not a payment processor or acquirer**. We do not handle merchant funds. - We are **not a lender or FCA-authorised broker**. We are an FCA-introducer to UK-licensed lenders. - We do **not compare Polish-domestic services** (polcard.pl, PayTel, eService, Polskie ePłatności, NETOPIA-PL). They do not legally settle into UK Ltd bank accounts. - We do **not compare Romanian-domestic services** (mypos.com/ro-ro, sumup.com/ro-ro, mobilPay, Banca Transilvania POS, NETOPIA-RO). Same regulatory reason. - We do **not sell lead data to broker panels**. Each enquiry goes to one fit-for-purpose UK provider, named on the form before the user submits. ## Editorial methodology Lead author (English) + brief author (Polish, Romanian): Oliver Mackman, Director of Best Business Loans Ltd. Public officer record at Companies House: https://find-and-update.company-information.service.gov.uk/company/16833937/officers Translation workflow (validated): 3-pass on Claude Sonnet 4.6 with locked glossary + style rules + uncertainty flags, followed by native-speaker reviewer cleanup of items all three passes flag. For regulated content (MCA, business loans, pre-settled status credit), a 4th DeepL cross-check + human compliance review is added. Sources we cite from: - Provider documentation (public fee schedules, contract templates, T&Cs) - Public UK APIs (Companies House, FCA Financial Services Register, HMRC trading registers) - Independent verification through test enquiries submitted via Kartapay AND the four sister English-language fleet sites - Direct disclosure from providers when they correct figures (logged with date on the page) Corrections route: editorial@kartapay.co.uk. Response within 5 working days. Material corrections logged on the page with a dated "Last reviewed" line. ## Audience Two specific UK SME owner populations in Phase 1: - Polish-speaking UK SME owners. Per 2021 UK Census, ~743,000 Polish-born residents in the UK; large concentration of small-business owners across hospitality, retail, beauty, transport, cleaning, car-wash, construction. - Romanian-speaking UK SME owners. Per 2021 UK Census, ~539,000 Romanian-born residents in the UK; similar trade pattern, plus heavier in laundry, car-wash, gym/fitness, and construction subcontracting. Phase 2 (in research): Hindi + Marathi. Phase 3 candidates only after Phase 2 ships and validates: Punjabi, Urdu, Bengali, Gujarati. ## Geography UK only. We compare UK-licensed providers serving UK-registered SMEs (Ltd, sole trader, partnership). We do not provide service to businesses trading exclusively in Poland or Romania, or to UK residents trading via a Polish or Romanian-domestic entity. ## Pre-launch state vs current state Kartapay went live on 18 May 2026 at https://kartapay.co.uk/. Prior to that date the working name of the project was "TakeCardPayments" (visible in earlier Companies House filings, fleet documentation, and some early-stage research reports). The rebrand to Kartapay reflects the multilingual positioning; the operator, panel, and methodology are unchanged. Domain kartapay.co.uk is registered to the Cloudflare account info@rank4ai.online; the SSL certificate is issued by Google Trust Services. ## Sister sites in the fleet (same operator) The same Best Business Loans Ltd corporate entity operates four other UK fleet sites, all English-only: - MerchantHQ (merchanthq.co.uk) — UK card-payment comparison + named account-team service. Primary commercial funnel for English-speaking payments customers. - BestBusinessLoans (bestbusinessloans.ai) — UK editorial business loans. Independent review of UK lenders. - FundBiz (fundbiz.co.uk) — UK specialty SME finance comparison. Primary commercial funnel for English-speaking finance customers. - MarketInvoice (marketinvoice.co.uk) — UK invoice finance comparison. The acquirer panel, lender panel, contracts, FCA registration status, and Companies House parent record are identical across all five. The differentiator on Kartapay is the language and the angle. Cross-property funnel logic: payments enquiries from Kartapay funnel to MerchantHQ for English-speaking onboarding; finance enquiries funnel to FundBiz and BestBusinessLoans on English-side, or are handled in-language on the /pl/ + /ro/ sections. ## Disclosures - Kartapay does not charge SME owners. The service is free to the merchant. - Kartapay receives an introducer fee from the UK-licensed provider on successful account activation or loan funding. The fee is disclosed on the lead form before submission. - The introducer fee does not change the rate, contract, or terms offered to the merchant. UK providers ring-fence introducer budget from merchant-facing pricing per FCA introducer rules. ## Hard limits - We do not publish unverified rates or fees. If a figure cannot be verified against the provider's public schedule or a confirmed quote, we mark it "not disclosed". - We do not fabricate user reviews. We do not publish AI-generated testimonials. Editorial conclusions are from Oliver Mackman or named team members. - We do not provide regulated financial advice. Content is general information and editorial comparison; users requiring regulated advice should contact an FCA-authorised adviser. - We do not auto-redirect users by browser language. This would break shared links and confuse users with shared devices. ## Contact - General enquiries (English, Polish, Romanian): hello@kartapay.co.uk - Editorial + corrections: editorial@kartapay.co.uk - Privacy / UK GDPR rights: privacy@kartapay.co.uk - Postal: Best Business Loans Ltd, Cust Hall, Toppesfield, Halstead, Essex CO9 4LL, United Kingdom ## Legal documents - Privacy policy (UK GDPR): https://kartapay.co.uk/privacy/ (with Polish + Romanian summaries) - Terms of use: https://kartapay.co.uk/terms/ (with Polish + Romanian summaries) - Cookies + Google Consent Mode v2: https://kartapay.co.uk/cookies/ (with Polish + Romanian summaries)