Barista handing a coffee across the counter
The agentic till, payments and business account

Busy isgood.

Sell, get paid in seconds and grow. AI agents run the money side, inside limits you set.

Get started nowSee the hardware
Maya Patel · Harbour St. Café, live right now
Gross sales todayLIVE
↑ £412.60 vs. same time yesterday
TodayYesterday
Just soldLIVE
Agents working for you4 ACTIVE
30,000+UK businesses run on Epos Now
★★★★★4.6from 12,000+ reviews
11 hrsof admin back per owner, per week, from agents
24/7UK support, calls answered in under a minute
07:00 · Doors open at Harbour St. CaféOne account

Everything on the money side, in one place.

Maya used to juggle a till, a card machine, a bank and an accountant. Now it’s one login, with agents doing the admin in between. Here’s her Saturday.

Sell

Till, card machine and online, together.

Every sale, every channel, one stock count.

Sell with Epos Now →
Get paid

Takings land in seconds, not days.

Instant settlement to your Epos Now business account.

See how payouts work →
Grow

Funding priced on your real sales.

Offers ready in your dashboard, decided within 24 hours.

See funding offers →
Agents with guardrails

Agents do the admin. You keep the say.

1They watch every sale and paymentStock, cash, bills, rota and books, all day.
2They act inside your limitsSmall, routine jobs just get done and logged.
3Big moves wait for youOne tap and Face ID to approve, from anywhere.
Pay supplier bills up to £500Payee checked first. Auto, then logged.
Put 12% of takings in the VAT potEvery evening at close.
Reorder stock from usual suppliersDrafts the order, you approve.
Anything over £500, or a new payeeAlways asks first. Can’t be switched off.
Harbour St. Café
£12.40
Tap, insert or pay by phone
eposnow
12:30 · Lunch on the terraceHardware

Meet the new Epos Now Go.

A handheld till and card machine in one. Take orders at the table, payments at the door, and print the receipt right there.

Counter agent12:31

Table 4 split the bill three ways and left £6 in tips. Logged for Leo’s payslip.

Order hardwareCompare devices
15:10 · The quiet hourOnline & pay by link

Sell where your customers are.

A checkout for your website, payment links for WhatsApp and email, and deposits for bookings. All of it settles into the same account as the till.

Website checkoutPay by linkQR at the tableBooking depositsInvoicesDeliveroo · Uber Eats
Sales agent15:10

Sent 14 regulars a link to the new house blend. 6 sold while the café was quiet.

Bag of coffee beans
House blend, 1kgHarbour St. Café · roasted Tuesday
House blend × 1£24.00
Delivery£3.50
Total£27.50
Apple PayGoogle Pay
•••• •••• •••• 4242
pay.eposnow.com/harbour/beans
16:00 · Leo’s on the supplier runBusiness account

A bank account that knows your till.

Leo pays the wholesaler with his own Visa, inside the limit Maya set. She sees it land in the app before he’s back in the van. Real cards, a UK sort code and account number, and cashback on what you spend running the place.

  • Physical and virtual cards in seconds, frozen in one tap
  • Spend limits per person, per day or per supplier
  • Up to 0.5% cashback on card spend
  • FSCS protected through our partner bank
Spend agent16:04

Leo spent £284.10 at Booker, 57% of his daily limit. Receipt photographed and matched.

16:02
Harbour St. CaféBusiness account
Available balance£18,402.3504-00-75 · 31926819
eposnowBusiness debit
•••• •••• •••• 2207
Maya Patel · 09/29
Frozen
eposnowBusiness · Visa
•••• •••• •••• 8841
Leo Adams · 03/28
VISA
Frozen
eposnowVirtual
•••• •••• •••• 0193
Suppliers · 11/27
Frozen
TodaySee all
HomeCardsPayBooksMore

Team cards

Cashback this month£0.00
16:20 · The dairy invoice turns upBills

Snap the invoice. Done.

Take a photo of a supplier bill. Bookkeeper reads the amount, due date and bank details, checks them against last time, and queues the payment for your thumbs-up.

  • Payee checked before money moves
  • Paid on the due date, not before
  • Filed in Books with VAT split out
New bill9:41
Fenwick Dairy LtdINVOICE #FD-20931
Whole milk 2L × 24£38.40
Oat milk 1L × 36£61.20
Double cream × 6£14.10
VAT£2.82
TOTAL TO PAY£116.52
Due14 Nov 2026
Sort / acc20-14-09 · 43918822
Bookkeeper
Fenwick Dairy, £116.52. Same bank details as October. Payee name matches. Pay on 14 Nov?
EditSchedule
23:00 · Doors locked, books doneAccounting

Your accountant will love you.

Sales, fees, payouts and bills post to your ledger every night, already reconciled. Use Epos Now Books, or sync with the software your accountant already uses.

Pick a destination to connect it.

Bookkeeper23:04

Reconciled 37 payouts and 3 bills. One card fee looked high, so it’s flagged for Monday.

e
Epos Now BooksXeroQuickBooksSage
Monday · Time for a second espresso machineEpos Now Capital

Funding that fits your takings.

Pre-approved offers based on your Epos Now sales. Checking costs nothing and won’t touch your credit score. Decision within 24 hours.

Cash ManagerMon 09:00

Takings are up 18% since summer. Your cash advance offer went up to £25,000.

CASH ADVANCE
£25,000

Repay a fixed 10% of card takings. Quiet week, smaller repayment.

  • One fixed fee£2,750
  • Typical term9 months
See my offer
FLEXI LOAN
£15,000

Fixed monthly repayments over 6 to 24 months. Pay off early with no penalty.

  • Representative APR14.9%
  • Monthly from£724
See my offer
EQUIPMENT
£10,000

New oven, freezer or second till. Spread the cost; the kit is the security.

  • Term12–48 months
  • DecisionSame day
See my offer
STOCK LINE
£5,000

A revolving line for supplier bills ahead of a busy season. Only pay for what you draw.

  • Fee1.2% per draw
  • Limit reviewsMonthly
See my offer
How much would help?£12,000
At 10% of card takings, about 5 months to repay at your current pace. Fixed fee £1,320.
Every sale · Money that saves itselfPots

Put money aside before it’s spent.

Round up every sale, or move a percentage of takings automatically. Pots earn interest, and the VAT pot fills itself so the quarter never bites.

£6,210of £8,036
VAT set-aside · 12% of takings, automatic
£2,940of £6,000
New coffee machine · round-ups
£4,100of £6,600
Rainy day · £50 every Friday
● Pots earn 3.1% AER variable, paid monthly
Cash ManagerSat 22:00

Moved £341.40, 12% of today’s takings, to the VAT pot. You’re on track for the January bill.

The Epos Now app

Sales and money, in your pocket.

Watch takings live, approve what the agents queue up, pay a supplier, take a payment with Tap to Pay. On iPhone and Android.

App StoreGoogle Play
Good evening, Maya
Sales today£2,846.10
Balance£18,402
Pots£13,250
Fenwick Dairy £116.52Approve
Rota for next weekReview
Real businesses

Owners who stopped waiting on money.

Barber at work
“Cash used to land on a Wednesday. Now I pay the lads on Friday from Friday’s takings.”
Imran QureshiFade Bros, Manchester
SAME-DAY CASH
Florist arranging stems
“I snap the wholesaler’s invoice in the van. By the time I’m back it’s scheduled and in Books.”
Helen MarshStem & Wild, Bristol
0 LATE BILLS
Restaurant team at the pass
“The cash advance paid for the second oven. Repayments dipped in January without us asking.”
Tom & Will HartThe Corner Kitchen, Leeds
£25K IN 48 HRS

Busy is good.

Saturday’s takings are banked, the bills are paid and the books are done. The agents did the admin, and Maya made every big call. Get the till, card machine and business account Maya runs on, set up in a day with no long contract.

Get started nowTalk to sales