Pinwheel Pay

We're based around a strong foundation of custom-built technologies that are reliable, secure, and that allow our merchants to operate at the highest level of effectiveness and efficiency

A Payments Company Focused on Local Scalability

Pinwheel is an innovator in payment technologies, focusing on mult-currency processing, online payments, and building solutions which are intended to give our customers the tools they require to operate effectively within their respective industries.

As a company, our immediate goal is to service our wide variety of merchants and provide them with exemplary service.

Our mission, and our longterm goal, is to innovate within the payment space, developing new technologies that make the lives of our merchants easier. Oftentimes, this involves creating small, niche services, applications, and APIs, which provide integrations, processing, or transferring data in a way that solves a specific industries challenges.

With offices located in the UK, Pinwheel is focused on providing the best possible experience for merchants located in the UK and EU.

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Our Offices

Pinwheel Pay US
2985 E. Hillcrest Dr. Suite 209
Thousand Oaks, CA 91362

Pinwheel Pay UK
C7-C8 Spectrum Business Centre,
Anthonys Way, Rochester, Kent, ME2 4NP


Mon - Thur 7am - 4:30pm
Fri 7am - 2:30pm

Mon - Fri 8am - 5pm

Want to know more?

Pinwheel Pay US

2985 E. Hillcrest Dr. Suite 209
Thousand Oaks, CA 91362

Pinwheel Pay UK

C7-C8 Spectrum Business Centre,
Anthonys Way, Rochester, Kent, ME2 4NP

FCA License Number

Pinwheel is the trade name for Roark Holdings LTD, a payment processing leader. Roark Holdings LTD is licensed with the FCA under reference #782818

Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, Pinwheel Pay works with merchants who are building their credit, as well as those who have poor credit. Pinwheel Pay also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out Pinwheel Pay’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

Pinwheel Pay specializes in working with high-risk merchants. Pinwheel Pay works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.