About PaymentStream
We're an independent payment and EPOS advisory business — helping UK small and growing businesses choose the right setup, from the right partners, with ongoing support that actually means something.
What we believe
Too many small businesses get sold payment solutions that don't fit how they actually trade. They end up overpaying, under-supported, or locked into contracts that don't make sense.
PaymentStream exists to change that. We take the time to understand your business, recommend the right setup from our carefully chosen partners, and stay with you as your needs evolve. We'd rather set up 50 merchants properly than rush through 500.
How we work
Independent advice
We're not owned by a payment processor. We recommend what fits your business, not what earns us the biggest margin.
Carefully chosen partners
We work with a small group of trusted solution providers — led by Shift4 — so we can stand behind everything we recommend.
Real support
When you need help, you get a real person — not a call centre. WhatsApp, phone, or email. We're responsive and we care.
Growth-minded
We help you think about payments as part of your growth strategy — not just a cost to minimise. The right setup can genuinely improve your business.
Why merchants value working with us
We listen first
Every business is different. We start by understanding how you trade, what matters to you, and where you want to go.
We recommend honestly
If a cheaper option would serve you just as well, we'll say so. If you need something more robust, we'll explain why.
We stay involved
We don't disappear after the sale. If your needs change, your business grows, or something isn't working — we're here.
We keep it simple
No jargon, no complicated contracts, no hidden fees. We explain things in plain English and let you make informed decisions.
Growing
UK merchant client base
Same day
Typical response time
Independent
Adviser-led, not supplier-led
Meet Andy
PaymentStream is led by Andy — an experienced payments and business adviser who's spent years helping UK small businesses navigate the world of card machines, EPOS systems, and business funding.
Andy has worked across market trading, hospitality, retail, and growing multi-site operations. He understands the commercial realities of running a business — the cash flow pressures, the technology decisions, and the importance of getting the right setup from day one.
When you contact PaymentStream, you're talking to someone who genuinely cares about getting it right. Andy takes the time to understand what you need and recommends accordingly — even if that means suggesting a simpler or cheaper option than you expected.
Outside of work, Andy is involved in youth rugby coaching — something that reflects the same values he brings to business: teamwork, development, and helping people reach their potential.