CreatePay
CreatePay is a UK fintech that provides Android-powered card machines, EPOS, online payments, and merchant cash advances to over 12,500 small and medium businesses across the UK and Ireland, leveraging Worldpay acquiring infrastructure and Castles Technology hardware.
- Company typePrivate
- Founded2022
- HeadquartersMilton Keynes, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingServices
What CreatePay does
CreatePay is a UK-headquartered fintech payment acceptance provider targeting small and medium enterprises across the United Kingdom and Ireland. The company, founded in 2022 with 51-100 employees, sells an integrated stack centred on CreatePay One, an Android-powered portable card machine with built-in WiFi and 4G connectivity, next-day settlement, and PCI DSS-compliant point-to-point encryption. Around this hardware core, CreatePay bundles CreatePay Touch (portable EPOS with stock, appointments, and staff timekeeping), CreatePay One Pro (countertop EPOS for fixed checkouts), the CreatePay App (iOS and Android business insights), Create Commerce (online and social payments), Create Funding (merchant cash advances of up to £1,000,000 in 48 hours via Liberis), and Create Rewards (consumer discounts and partner offers).
CreatePay monetises through three primary streams: transaction fees on card processing (underpinned by a Worldpay partnership that provides acquiring infrastructure), hardware sale or lease of CreatePay terminals, and financing fees on Create Funding cash advances. Pricing is quote-based rather than publicly published, with a pay-as-you-go billing cadence. The go-to-market is sales-led, combining a website quote-request funnel, a 24/7 phone sales line (0333 772 0090), and 12+ vertical-specific landing pages covering hospitality, retail, beauty, motor trade, construction, hotels, and takeaways. Distribution is augmented by a Worldpay reseller partnership and industry partner channels.
The company is led by CEO Stephen Wells with Chairman Roger Bracken (ex-TSG, First Data, NCR), CTO Ian Ripley, CSO Martin Cruse (ex-Castles Technology EMEA), and a newly appointed MLRO & Director of Risk. CreatePay claims 12,500+ business customers and describes itself as one of the fastest growing fintech payment acceptance providers in the UK and Ireland; in 2025 it expanded into Ireland, partnered with Castles Technology for Android hardware and Zempler Bank for SME banking, and executed what it calls the biggest product launch in its history. No revenue, funding rounds, or institutional investors are disclosed in the available data.
CreatePay firmographics
Firmographics- Name
- CreatePay
- Legal name
- CreatePay
- Website
- https://www.createpay.com/
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- CreatePay is a UK fintech that provides Android-powered card machines, EPOS, online payments, and merchant cash advances to over 12,500 small and medium businesses across the UK and Ireland, leveraging Worldpay acquiring infrastructure and Castles Technology hardware.
- Ownership category
- akta.pro rank
CreatePay industry classification
Industry- Product category
- Payment Processing and Merchant Services
- NAICS
- Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB)
Keywords
Where CreatePay is headquartered
LocationHeadquarters
- HQ city
- Milton Keynes
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
CreatePay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Supply Chain, Infrastructure
Revenue model
- Payment Processing/Transaction Fees: CreatePay generates revenue through transaction fees charged to merchants for processing card payments. As a Worldpay partner, they leverage Worldpay's acquiring services to facilitate payment processing.
- Card Machine Hardware: Sale or lease of card payment hardware including CreatePay One, CreatePay Touch portable EPOS, and CreatePay One Pro countertop EPOS devices.
- Business Funding (Create Funding): Merchant cash advance product offered in partnership with Liberis, providing funding up to £1,000,000 based on card turnover. Revenue generated through financing fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Quote-based pricing tailored to business size and transaction volume |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
CreatePay product offering
Product offeringCore offering
CreatePay sells Android-powered portable card machines (CreatePay One) and integrated EPOS software (CreatePay Touch, CreatePay One Pro) that enable UK and Irish SMEs to accept in-person card payments. The company also offers Create Commerce for online and social payments, Create Funding for merchant cash advances in partnership with Liberis, and the CreatePay App for real-time transaction monitoring and business insights.
Product overview
CreatePay is a UK fintech payment acceptance provider offering an integrated portfolio of card payment hardware, software, and financial services for small and medium businesses. The core offering centers on CreatePay One, an Android-powered portable card machine that serves as the foundational hardware platform. Built onto this, CreatePay Touch adds portable EPOS functionality (split tabs, stock management, appointment booking, staff timekeeping), while CreatePay One Pro provides a complete countertop EPOS for fixed locations. The ecosystem extends via Create Commerce (online/social payments), Create Funding (merchant cash advances up to £1M via Liberis partnership), and Create Rewards (customer loyalty programme). All hardware is managed through the CreatePay App for iOS and Android, providing real-time transaction monitoring and business insights.
Differentiator
Problem solved
Functional benefit
Brands
- CreatePay One: Smart, secure, built-for-business Android-powered card machine with built-in WiFi and 4G connectivity, next-day settlements, and PCI security.
- CreatePay Touch
- CreatePay One Pro
- Create Commerce
- Create Funding
- Create Rewards
- The CreatePay App
Products and services
- CreatePay One Android-powered portable card machine with built-in WiFi and 4G connectivity, designed for in-person card payments at UK small businesses. Supports contactless, chip and PIN, Apple Pay, Google Pay, and Samsung Pay, and serves as the primary hardware terminal for the CreatePay ecosystem.
- CreatePay Touch
- CreatePay One Pro
- CreatePay App
- Create Commerce Online and social payments platform for e-commerce, enabling businesses to accept payments via website, phone, text message, social media, and instant messaging as part of CreatePay's omnichannel commerce offering.
- Create Funding Merchant cash advance business funding product offered in partnership with Liberis, providing flexible funding up to £1,000,000 with 48-hour access, with repayment linked to card payment turnover.
- Create Rewards Customer loyalty and rewards platform offering discounts on technology products (Apple, Samsung), supermarket savings (M&S, Tesco), and partner offerings, free for CreatePay customers.
Quantifiable outcome
- Setup time under 5 minutes
- +3 more outcomes
Companies that use CreatePay
Customer profileSegments7 records
Ideal customer profiles5 records
CreatePay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
CreatePay partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered supporting and core.
- Zempler BanksupportingCreatePay and Zempler Bank partnered to support UK SME growth by combining modern payment solutions with accessible business banking. The partnership brings together CreatePay's payment acceptance technology with Zempler Bank's business banking services to provide SMEs with integrated financial tools.
- Castles TechnologycoreCreatePay partners with Castles Technology, leader in Android payment acceptance solutions. This collaboration aims to deliver advanced card payment solutions, enhancing customer experience and supporting business growth across the UK. Castles Technology provides the hardware platform (Android payment terminals) that CreatePay uses for its card machines.
- WorldpaycoreCreatePay is a trusted partner of Worldpay, the world's #1 payments provider. Through this partnership, CreatePay offers customers secure, reliable, and innovative payment solutions backed by Worldpay's global expertise. CreatePay uses Worldpay's acquiring services for payment processing, combining Worldpay's trusted technology with CreatePay's tailored business support.
Scale indicators3 records
Recent moves7 records
Expansion highlights8 records
CreatePay competitors and assessment
Company assessmentDirect peers
- Zettle (PayPal): PayPal's Zettle provides card readers, POS software and ecommerce tools for small businesses, with strong UK and European presence. Closely comparable in target customer, form factor and pricing transparency.
- Square (Block): Block's Square offers Android-based card readers (Square Reader, Square Terminal) and an integrated POS/payments ecosystem aimed at SMEs and mid-market merchants. Direct competitor to CreatePay on hardware, software, and merchant services.
- Cardstream: UK-based payment gateway and white-label payments platform that enables ISOs and merchants to accept card payments online and in person. Comparable in offering payment infrastructure/acceptance to UK SMEs and partners.
- Handepay: UK independent card payment provider supplying card machines, online payments and EPOS to UK SMEs across retail, hospitality and services — closely comparable in vertical focus and SME target market.
- Dojo: UK card payment acceptance provider (formerly Paymentsense/Dojo) selling card machines and integrated payments to small and mid-sized UK merchants. Direct competitor in the UK SME acquiring-reseller space.
- SumUp: Global mPOS provider selling card readers and integrated payments/EPOS software to micro and small merchants. Highly comparable to CreatePay in target customer (SME), product (Android card reader + app) and geographic focus on UK and Europe.
- takepayments: UK-based payment service provider offering card machines, online payments and merchant services to UK SMEs. Comparable in business model (card acceptance reseller) and SME segment, with similar vertical coverage.
Broad incumbents
- Worldpay: Global merchant acquirer and payments provider that is simultaneously CreatePay's core acquiring partner. Comparable as a broad incumbent in the same card acceptance market, with substantially larger scale and direct SME offerings.
- Tyl by NatWest: NatWest Group's merchant payments business offering card machines, online payments and integrated commerce to UK SMEs. Comparable as a broader UK card acceptance incumbent with banking-distribution advantages.
Emerging players
- Stripe Terminal: Stripe's in-person payments product (Stripe Terminal, Tap to Pay on iPhone/Android) targeting platforms and SMEs with software-led payments. Comparable as an emerging integrated software + hardware acceptance player, though oriented more toward platform-integrated merchants.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
CreatePay social profiles
Digital presenceCreatePay financial estimates
Financial estimateRevenue estimate
Valuation estimate
CreatePay leadership team
Management profileNumber of profiles
Profiles7 records
CreatePay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CreatePay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CreatePay
What does CreatePay do?
CreatePay sells Android-powered portable card machines (CreatePay One) and integrated EPOS software (CreatePay Touch, CreatePay One Pro) that enable UK and Irish SMEs to accept in-person card payments. The company also offers Create Commerce for online and social payments, Create Funding for merchant cash advances in partnership with Liberis, and the CreatePay App for real-time transaction monitoring and business insights.
Is CreatePay a public or private company?
CreatePay is a private company. It is classified as unknown and is currently operating.
When was CreatePay founded?
CreatePay was founded in 2022. It employs 101 to 250 people.
Where is CreatePay based?
CreatePay is headquartered in Milton Keynes, United Kingdom, in the Europe region.
How does CreatePay make money?
Three revenue lines are on record. Payment Processing/Transaction Fees are the primary driver. The others are card Machine Hardware and business Funding (Create Funding).
Who are CreatePay's main competitors?
Direct peers on record are Zettle (PayPal), Square (Block), Cardstream, Handepay, Dojo, SumUp and takepayments. Broad incumbents are Worldpay and Tyl by NatWest. Stripe Terminal is listed as an emerging player.
Does CreatePay have an API?
No public API is recorded for CreatePay.
What industry is CreatePay in?
CreatePay's product category is Payment Processing and Merchant Services. Its primary akta.pro industry code is FSAMADAB, mPOS & SoftPOS (Tap-to-Phone) Solutions. Its NAICS code is 5132 and its SIC code is 7372.