How does the fena terminal work?

fena doesn’t require a standard terminal or a card reader. You will only need your phone with the fena and an NFC card alongside a QR which will post to you free of charge.

How does it work?

Getting started

Step 1 – Sign up to register your business.

Step 2 – Order your NFC card with a unique QR code. 

Step 3 – Receive your NFC card delivered by post.

Step 4 – Link your NFC card to your account using your mobile phone. 

Step 5 – Start talking instant payments & receive funds on your bank account within seconds.


Payment methods

We currently support instant payments from the following banks and digital payments providers:

– AIB Group UK (trading as First Trust Bank in Northern Ireland)
– Bank of Ireland (UK)
– Barclays Bank
– HSBC Group (including First Direct and M&S)
– Lloyds Banking Group (including Bank of Scotland and Halifax)
– Nationwide Building Society
– NatWest Group (including NatWest, Royal Bank of Scotland and Ulster Bank NI)
– Northern Bank Limited (trading as Danske Bank)
– Santander UK
– Revolut 
– Starling Bank


fena uses Open Banking so you can pay securely. All of your payments are authorised and sent from your bank, and you never need to enter any card or bank details.


– iOS 10 or higher – on Apple smartphones and tablets with Bluetooth
– Android 4.4 or higher – on most Android smartphones and tablets with Bluetooth


– Within a few seconds
– No deposit limit

How to link an NFC card with your mobile device:
  • Step 1 – Go to Settings (At the bottom, right-hand corner of the fena Merchant App)
  • Step 2 – Under Settings, click on ‘Card Management’.
  • Step 3 – Click on ‘Link New Card’ or ‘Scan a QR code’ .
  • Step 4 – Follow the instructions on the screen to pair your fena NFC card with your device.