

Who we are
PenguinPay is a leading provider in the card payments and electronic point-of-sale (EPOS) industry, offering a bespoke, consultative approach to businesses across the hospitality, retail, and eCommerce.
Based in the East Midlands and with over 28 years of experience in IT and consulting, founder Chris Niblett has built PenguinPay with one mission: to deliver custom solutions that drive success through superior service. We don’t just provide systems; we help businesses choose the right solutions that cater specifically to their needs, whether they’re a restaurant, coffee shop, pub group, or multi-location enterprise.
We partner with top-tier payment providers and EPOS vendors to offer flexible, cost-effective, next-gen technology designed to improve operational efficiency, reporting, and the customer experience.
What we do
At PenguinPay, we specialise in offering bespoke electronic payment and point-of-sale solutions tailored to meet the unique needs of your business. Our services go beyond simply selling products – we provide consultative support to ensure the solutions we offer are the right fit for your business operations. From Fully Integrated EPOS systems, Face-to-Face Card Payments, E-commerce gateways, Virtual Terminals, Business Banking and Business Funding, we give businesses the tools they need to thrive in a competitive market.
We work with a diverse range of trusted providers, ensuring you get options that best suit your needs and budget. Whether you’re looking for stand-alone system or an all-in-one, integrated solution, PenguinPay has you covered with cutting-edge technology and unparalleled service.
How we do it
The PenguinPay Process
We believe in giving businesses the tools they need to succeed. Our service-driven, consultative approach ensures that we always take the time to understand your needs, recommend the right systems, and provide ongoing support throughout the process.

Step 1
Free, No-Obligation Review
We kick off with a no-obligation review of your current payment systems and EPOS setup. Our goal is to understand your business operations and identify any pain points or inefficiencies that could be improved with a better solution.

Step 2
Cost Analysis
Next, we perform a cost analysis that compares your existing service fees with the savings you can expect with a new provider. We take a deep dive into your costs, breaking down charges and identifying where your business can save money – helping you maximise your investment.

Step 3
Tailored Proposal & Report
Finally, we present you with a detailed report and proposal that outlines the best-fit solution for your business. This ensures you have all the information you need to make a fully informed decision.
Our Trusted Providers
At PenguinPay, we partner with industry-leading payment and point-of-sale providers to offer solutions that are truly tailored to your business needs. We work with a variety of partners to ensure you get the flexibility, scalability, and affordability your business deserves.
PenguinPay
Business Cash Advance
Through our partner YouLend, PenguinPay can provide your business fast, flexible funding. Traditional bank loans often don’t fit the bill, because a fixed monthly payment isn’t flexible enough to meet your business’ needs. We offer a more flexible financing option, which adjusts to your cashflow. Repayments are set as a fixed percentage of your daily card sales, where your payments are always automatically adjusted to keep things manageable for you.

Partner Spotlight
Case Studies
From harvest to hospitality, we work closely with every customer to find the right solution for their day to day needs. Looking for a payment partner that understands your business? Get in touch with our team today to see how PenguinPay can support your business.
Client
Testimonials
About our Founder
Chris Niblett
Founder Chris Niblett brings over 28 years of experience in IT and pre-sales roles.
His transition into the hospitality and retail sectors has enabled him to help businesses of all sizes optimise their electronic payments and EPOS systems. His passion for service-driven solutions led him to create PenguinPay, where he continues to provide tailored solutions that drive business success.
Contact Us
Ready to overhaul your EPOS and payment systems? PenguinPay is here to help you streamline operations, cut costs, and improve your bottom line.






















