OyaPay · Payments & funding with Chandni
Explore card payment solutions and business funding options with personal support from Chandni.
Not tied to one provider.
Options from a network of payment and funding providers.
Services
Opening your first shop or rethinking how you take payments? Start with a conversation about how your business actually runs.
Countertop, portable or mobile machines, chosen around where and how you take payments.
Ways to get paid beyond the counter, fitted to the tools you already use.
Business loans, merchant cash advance and other funding, explained clearly before you apply.
Funding is provided by third parties and depends on eligibility, checks and approval.
Payments. Funding. Business growth. One conversation, multiple solutions.
Meet Chandni
Hi, I'm Chandni, and I run OyaPay. I'm a banker by profession, with 19 years in banking and finance and the last five focused on card payments and business funding. I help business owners get their payments and funding questions sorted without the jargon. I take time to understand how your business runs, explain your options in plain English and stay with you while you get started.
No sales script. Just clear answers to what you actually want to know.
From the first chat to taking your first payment, you deal with me and my team.
OyaPay works with multiple UK payment and funding providers and recommends what fits each business.
How it works
Tell us how you trade and what you use today. If you already take card payments, have your last 3 months of statements to hand.
Chandni explains the card machines, payment options or funding routes that could fit, with the trade-offs in plain terms.
Once you've decided, we handle the paperwork and any switch from your current provider. Sign-up can take as little as 30 minutes.
Start with where you take payments. A counter-only shop, a restaurant taking payments at the table and a market stall moving between sites can each need a different machine.
It also helps to think about how busy your peak times get and whether the machine needs to work with your till or booking system. Chandni will ask about these when you speak.
Yes. We handle the switchover for you, and we can buy out your existing contract, so changing provider doesn't add stress on your side.
To sign up, we'll need:
If you already take card payments, your last 3 months of card statements (or bank statements) help us compare options. New businesses just need the basic details.
Sign-up usually takes about 3 hours, and can be done in as little as 30 minutes when everything is ready.
Yes. We can help you explore business loans, merchant cash advance and other business funding, explain what providers usually look at and guide you through applying.
Any funding is offered by the provider and depends on eligibility, checks and approval, so an offer isn't guaranteed.
We work with multiple payment and funding providers, so we're not tied to one. We suggest options case by case, based on what your business needs.
No. Your first chat with Chandni is free. It's a 15-minute call where she asks a few questions about your business and points you to the options that could fit.
Yes. We're happy to talk by phone, WhatsApp call or video, or Zoom. If you're in or around North West London, Chandni can meet you face to face with 24 to 48 hours' notice.
English, Gujarati, Hindi, Swahili and Kutchi, so you can talk things through in the language you're most comfortable with.
Contact
Tell us a little about your business and what you'd like help with. Chandni and her team usually reply within an hour.
Call or WhatsApp +44 20 3983 2520, or send the form and we'll arrange a time that suits you.
