Question 1

What is HalalPay?

Accepted Answer

HalalPay is a pioneering responsible payment platform committed to giving 1% of its net profits to Sadaqah. It enables businesses, charities and communities to accept secure payments through established regulated payment partners. It is designed for halal-conscious merchants in the UK and is launching in 2026.

Question 2

What is HalalPay's Sadaqah commitment?

Accepted Answer

HalalPay is the world's only merchant payment provider committed to giving 1% of its net profits to Sadaqah.

Question 3

Are there other Islamic payment providers?

Accepted Answer

Yes. A number of providers serve Islamic and ethically minded businesses, and we respect their work. What we believe makes HalalPay unique is combining full merchant payment services with a standing commitment of 1% of net profits to Sadaqah, funded by HalalPay and never added to merchant fees or customer transactions.

Question 4

What are halal merchant services?

Accepted Answer

Halal merchant services are payment processing services structured to align with Islamic finance principles. That means no riba (interest), transparent fees, and payment infrastructure that supports ethical, Shariah-conscious business. HalalPay provides halal merchant services for UK businesses, including online payments, in-store card terminals and payment links.

Question 5

What does HalalPay charge?

Accepted Answer

In-store payments are priced at 1.39% + 5p and online payments at 1.59% + 20p for UK consumer Visa and Mastercard debit and credit cards. UK business cards are 2.49% + 5p in store and 2.99% + 20p online. UK corporate cards are 2.69% + 5p in store and 3.19% + 20p online. EEA-issued cards are 2.69% + 5p in store and 3.19% + 20p online. International and non-EEA cards are 2.99% + 5p in store and 3.49% + 20p online. All rates are per successful transaction. Apple Pay and Google Pay are charged according to the underlying card type. Card classification is determined by the relevant card scheme and acquiring provider. Rates are subject to merchant approval and the final terms of the merchant agreement. Equipment, settlement, refund, chargeback and other applicable fees are disclosed separately where relevant.

Question 6

Does HalalPay's Sadaqah commitment increase my fees?

Accepted Answer

No. HalalPay commits 1% of its net profits to Sadaqah. The contribution is made by HalalPay. It is not added to merchant fees and is not charged to customers.

Question 7

Is HalalPay designed to Shariah guidelines?

Accepted Answer

HalalPay is designed to operate in accordance with Shariah principles, including ethical commerce, transparency and the avoidance of interest-based products. Formal governance and independent review will support the platform's continued development.

Question 8

How does the 1% Sadaqah contribution work?

Accepted Answer

HalalPay commits 1% of its net profits to Sadaqah. The commitment is based on HalalPay's net profits, rather than a percentage of every merchant transaction. The contribution is made by HalalPay. It is not added to merchant fees and is not charged to customers, so giving becomes a natural part of everyday spending. Contributions will be reported transparently as the business grows.

Question 9

Is every contribution Sadaqah-e-jariyah?

Accepted Answer

No. HalalPay commits 1% of its net profits to Sadaqah. Contributions funding qualifying long-term projects may also create Sadaqah-e-jariyah.

Question 10

Does HalalPay cost more than other payment providers?

Accepted Answer

No. The 1% Sadaqah commitment is made from HalalPay's net profits, not from merchants or customers.

Question 11

When will the HalalPay card or wallet launch?

Accepted Answer

The HalalPay card and wallet form part of HalalPay's future roadmap. They are planned products in development, subject to regulatory approval, partner agreements and final product development. We are not able to commit to a definite launch date.

Question 12

When is HalalPay launching?

Accepted Answer

HalalPay is launching in the UK in 2026 as a merchant payment platform. The HalalPay business debit card is a planned feature on the roadmap, subject to regulatory approval, partner agreements and final product development. Businesses can register their interest now.

Question 13

Who can use HalalPay?

Accepted Answer

HalalPay is built for businesses, charities and community organisations that want to accept payments in a way that reflects their values. That includes retailers, pharmacies, restaurants, online stores, mosques, charities and community groups across the UK.

Question 14

Is every business eligible?

Accepted Answer

HalalPay is built around ethical principles and open to businesses of all backgrounds. All applications are subject to approval, and some products, sectors, services and business models may not meet HalalPay's eligibility requirements or the requirements of its payment infrastructure partners.

Question 15

How can my business accept halal payments online?

Accepted Answer

HalalPay offers online payment acceptance through secure payment infrastructure provided by established regulated payment partners, plus payment links you can share by email, SMS or social media without needing a website. Register your interest in becoming a HalalPay merchant to get early access.

Question 16

Does HalalPay offer card machines or in-store terminals?

Accepted Answer

Yes. HalalPay offers modern in-store terminals that accept contactless, chip & PIN, Apple Pay and Google Pay. Terminals are supplied on a 12-month or 24-month rental plan, subject to approval and the final merchant agreement.

Question 17

What does the payment terminal cost?

Accepted Answer

Choose a monthly rental or a one-off supply charge. The 12-month plan is £24.99 a month (£299.88 total contract rental) and the 24-month plan is £19.99 a month (£479.76 total contract rental), both including SIM and free delivery. The one-off package is a £299 terminal supply charge, not a purchase, with no monthly equipment rental; SIM and ongoing service fees are disclosed separately where applicable, and you still choose a 12-month or 24-month merchant agreement. All card terminals supplied remain the property of HalalPay or its appointed equipment provider, irrespective of the payment option selected. Early termination or failure to return equipment may incur additional charges in accordance with the merchant agreement. All prices exclude applicable VAT.

Question 18

Do I need to buy the terminal upfront?

Accepted Answer

No. There is no upfront terminal purchase. You choose a 12-month or 24-month rental plan and pay monthly. Processing fees are separate and are shown on the pricing page.

Question 19

I am already in a contract with another payment provider. Can I still use HalalPay?

Accepted Answer

Usually, yes. An agreement with your existing payment provider may require you to continue paying an agreed monthly minimum, rental or other charges, but it does not necessarily give that provider exclusivity. Many businesses use a second or third terminal alongside their existing provider. You should check your current agreement for any exclusivity or minimum-use terms before adding another payment provider.

Question 20

Is HalalPay a bank?

Accepted Answer

No. HalalPay is not currently a bank. Its initial product is a branded merchant payment proposition delivered through established payment infrastructure partners.

Question 21

Is HalalPay FCA regulated?

Accepted Answer

HalalPay is not authorised or regulated by the FCA. HalalPay works through authorised payment infrastructure partners that provide the relevant regulated payment services. HalalPay's own role and responsibilities are explained within our regulatory information, available at /regulatory-information.

Question 22

Who provides HalalPay's payment infrastructure?

Accepted Answer

HalalPay's payment technology and infrastructure are supported by established payment infrastructure partners. Relevant partners provide the technology and connections with acquiring banks and payment networks needed to support secure merchant payments, subject to applicable security and PCI DSS requirements. HalalPay remains the customer-facing provider responsible for its merchant proposition, service and ethical commitments.

Question 23

Does HalalPay hold merchant funds?

Accepted Answer

Merchant funds are processed and settled through the relevant payment infrastructure providers in accordance with their regulatory and contractual responsibilities. HalalPay does not hold merchant or customer funds.

Question 24

Who approves my application?

Accepted Answer

Merchant applications are assessed by the relevant payment infrastructure provider. Approval depends on the business, its owners, products, transaction profile and applicable onboarding requirements.

Question 25

Can HalalPay guarantee my application will be approved?

Accepted Answer

No. All applications are subject to the relevant payment provider's underwriting, verification and eligibility requirements.

Question 26

Are next-day payouts guaranteed?

Accepted Answer

Next-business-day settlement may be available to eligible merchants. Settlement remains subject to banking times, transaction checks, weekends, public holidays and the merchant agreement.

Question 27

What is the HalalPay business debit card?

Accepted Answer

The HalalPay business debit card is a planned feature, subject to regulatory approval, partner agreements and final product development. As designed, it would be a card linked directly to your balance with no interest and no overdraft or credit line. HalalPay's Sadaqah commitment would remain funded from HalalPay's net profits, at no extra cost to you.

Question 28

What is Sadaqah-e-jariyah?

Accepted Answer

Sadaqah-e-jariyah is ongoing charity: a good deed that continues to benefit people over time. HalalPay is committed to giving 1% of its net profits to Sadaqah, so its charitable commitment helps create long-term impact.

Question 29

How does HalalPay support the environment?

Accepted Answer

Alongside its 1% Sadaqah commitment, HalalPay is working with Ecologi, an environmental platform that funds verified climate and nature projects such as tree planting and carbon reduction initiatives. As the HalalPay merchant network grows, HalalPay intends its ecosystem to help support these projects.

Question 30

Does the environmental contribution cost merchants or customers anything?

Accepted Answer

No. Environmental contributions are made by HalalPay. They are not added to merchant fees and are not charged to customers, in the same way as HalalPay's Sadaqah commitment.

Question 31

How is HalalPay's environmental impact measured?

Accepted Answer

HalalPay intends to report its impact transparently using data from the environmental programme, such as trees funded and projects supported, on its Our Impact page as the business launches and grows.

Question 32

How do I register my interest in HalalPay?

Accepted Answer

Use the Register Your Interest button on the HalalPay website and tell us about your business in under 10 minutes. All merchant applications are subject to approval. Certain industries, products and business models may not be eligible.

HalalPay FAQs | In-Store & Online Merchant Payments