The credit card or debit card charge UPAY LTD ROCHESTER GB was first spotted on April 08, 2014. This charge has been reported as trusted by 276 users, 514 users marked the credit card charge as suspicious.

Do you know what the source of this charge is? Have you seen UPAY LTD ROCHESTER GB on your credit card, debit card, or prepaid charge card? If so, please comment below!

Charge Information

Merchant Uniware Systems with Upay merchant services on behalf of All Roadchef services including Norton Caines services, M6 (Toll), skipton building society (head office) (edit)
Website www.upay.co.uk (edit)
Phone Number 03302021601 (edit)
Category Payment Services (edit)
Description Upay Payment Services for various clients globally. (edit)
Phone Number

What people are saying...

Willem van IJperen on August 16, 2016

A payment to this company corresponds with a transaction in the canteen of the Dick Vet Clinic (Veterinary School of Medicine in Edinburgh) and therefore is a legitimate payment.

Jeff on August 25, 2016

This corresponds to a purchase in Clackett Lane services on the M25 (Roadchef).

Cathy on May 04, 2017

This was a WHSmith small store at some motorway services, showing as Upay on my statement.

Alison on May 22, 2017

Payment for coffee at Rownhams services, M27/M3 junction

Andrew on June 01, 2017

I think this refers to an own brand catering outlet at Tibshelf services on the M1 North.

kate on June 06, 2017

lunch from chain Baxter Storey

Kris on June 24, 2017

canteen at Cardinal place, 80 Victoria street, London

Dez on July 01, 2017

A legit payment. This was food purchased at the canteen of Askham Bryan College York. (Judging by other comments it must be used by a variety of small catering providers.)

Ernest Ballantyne on July 15, 2017

Even Barclaycard seem unable to identify the merchant associated with a charge listed under Upay ltd. I regard it with suspicion.

John. 14th July 2017 on July 20, 2017

Checked it out and this was a W H Smiths on motorway services.Genuine,

Mark on July 30, 2017

Motorway Services - Roadchef. Genuine Payment

pickle on July 30, 2017

£2.80 Coffee at Askhsm Bryan College canteen ✔

Stuart on August 10, 2017

This was for a Costa Coffe on the M3 at the drive through services.

David boyle on September 10, 2017

Payment at Costa clackett lane. Not a scam if you think £6.48 for two Americanos is cool :)

Dave on Sunday, 29 October 2017 on October 31, 2017

Genuine payment for WH Smith on the M27 Services (Eastbound)

dez on November 03, 2017

I think i had 2 charges from this place and it is University of edinburgh main library cafes card reading machine!!! so safe i guess hahaha

pranay on November 16, 2017

I got charged 80p. at first i thought it was upaychilli.co.uk which is staff catering card. But turns out it may be some scam

Victor G. on November 24, 2017

I have been scamed by upay for over 1.100 euro transaction supposed to be a deposit in my account at a forex broker. The money never reached its destination and now we are in a Visa chargeback dispute

Sallyl on November 27, 2017

Genuine payment for lunch at Newton Rigg College

Sue on December 11, 2017

Legitimate payments for coffee and lunch at the Audrey Emerton Restaurant at RSCH, Brighton

Dave on December 20, 2017

Payment was for Roadchef services at Northampton and then again at Watford Gap on the M1

Danny Shaw on January 08, 2018

WH Smith in clackett lane services M25 South

Arifson on January 11, 2018

UPAY is a global payments processor mainly used in retail and hospitality industry. Just as 'AMAZON' is shown in your statements when you buy from a seller at amazon, the seller is not the amazon. Similarly when you pay for your coffee to a shop using upay for the card payment, for example, you see upay on your statement instead of the name of coffee shop.

Jeremy on February 01, 2018

Quite legit: payment to my old college for a meal.

Jim Carver on March 06, 2018

WH Smith at Norton Canes motorway services last night M6 Southbound. Legit!

Oxford 2018 on March 09, 2018

Top-up payment machine for canteen at Lady Margaret Hall, Oxford. Legit :)

K Meadows on March 27, 2018

Legit payment for family ticket to Askham Bryan wildlife park

C Taylor on April 23, 2018

This was for a known payment at Askham Bryan wildlife park in York

J Butler on July 24, 2018

Came up for a legit payment for lunch at Askham Bryan College Middlesbrough.

Jez N on July 26, 2018

Lunch and coffee at Hearing Dogs for the Deaf cafe, Saunderton

D Wiliams on August 15, 2018

Mine was also for lunch at Hearing Dogs for the Deaf Cafe in Saunderton - would be helpful if there was some form of recognition on your statement

Liz Peskett on August 16, 2018

£10 taken by UPAY ROCHESTER GB following a purchase in WHSmith BOURNEMOUTH.

Jasper Taylor on October 25, 2018

Purchase in Levels Cafe, 9c Holyrood Rd, Edinburgh

Keeley on January 29, 2019

I queried this payment however it was a WH Smith payment.

Polly Turner. on February 16, 2019

Payment for snacks at Henry's Cafe, Stewart Park, Middlesbrough.

DAC on March 10, 2019

Legitimate: M6 Toll services - a payment at Leon shows as UPay Ltd.

Filipa on April 06, 2019

Legit, I struggled to think what it was when I saw it on my statement, but I used it at the Cafe inside the Triumph visitor centre in Hinkley and I've got no other transactions in my statement to cover it, so it's legitimate. I wish the receipt has something written on it though.

Heather on April 08, 2019

Legitimate. Canteen lunch at Princess Royal Hospital, Hayward’s Heath.

456Charlie on April 13, 2019

Pondered on this one as never been to Rochester and dont use motorway services much - eventually worked out it was the £15 for the Triumph VIN PLate Keyring I'd had made for me at the Triumph Visitor Experience in Hinkley. The details on the credit card statement could have been more helpful!

Gary on April 29, 2019

Thanks for this website - reminded me what I’d bought and why it would appear like that .. coffee and simple payment machine .. legit

Matt on May 02, 2019

Food purchased the Hive Cafe, Askham Bryan College.

Katie on May 02, 2019

Payment at cafe in Teeside Uni

Marc on June 06, 2019

Legit...this was food and drink bough from The All England Lawn Tennis Club aka Wimbledon.

Charge from Costa coffee at M1 services on June 18, 2019

Legitimate charge.

Steve M on July 02, 2019

Upay is a payment service used by all sorts of businesses, so it can be hard to find out the source of the transaction. In my case it was to pay for food at "The Grange" in Saunderton.

Liz on July 05, 2019

Used by food outlets at Wimbledon tennis tournament.

AJ91 on July 08, 2019

Charge related to payment for food at Wimbledon Tennis

MKM on July 08, 2019

Wimbledon Tennis cafe

BVD on August 01, 2019

Didn't recognise this company but have realised it is for a legitimate payment - contactless payment for a food retailer.

Ella on August 05, 2019

Legitimate charge from cafe at Highcliffe Castle, would have been nice to have seen some identifying message on the bank statement.

Tina Brittain on August 29, 2019

My UPAY Rochester debit must have been the catering company who run the upstairs (6th floor) restaurant at The Royal Sussex County Hospital in Brighton. I had a cheap lunch and a coffee there on that date. Again thanks for your web-site.

Rob on September 03, 2019

Office canteen near Heathrow

Nick on September 11, 2019

Cafe in at my office HQ, payments match perfectly what I bought for lunch on those dates.

Muggie on October 12, 2019

This was a transaction at a hearing dogs restaurant

Rob on October 20, 2019

Payment for coffee at an Arramart College Canteen

Leo on October 28, 2019

I was super confused originally as I live nowhere near Rochester, turns out it’s just payments for food at Andover College. Strange that it comes up like that, but it’s nothing to worry about

Samantha Q on November 22, 2019

Legit payment for lunch while at Leeds Trinity University for work.

Ian on December 06, 2019

Costa Coffee, Norton Canes Services on M6 Toll

Graham on January 09, 2020

A legit payment. This was food purchased at the canteen of Askham Bryan College York.

Will on January 14, 2020

I have literally just found loads of payments, some times two per day, all around the £2.40 - £3.50 amount. One was for £13.80. These showed up on days I commuted to london from faversham on southeastern trains. That train lune does pass through rochester, but I have never got off the train there. I'm seeking advice from my bank about the charges, but they're definitely illegal charges that have been made to my bank account. I can only assume that someone has either got my bank details and was using them to draw out small amounts frequently, or, as it only seems to be on the days that I travelled up to london, may have been some other way of extracting payments in a local proximity, maybe on the train itself. The last payment taken was in august, 2019.

Will on January 14, 2020

Scratch the last message! Turns out UPAY are a payment transaction technology services company, with offices in Rochester, Kent! Basically, any payments showing up as UPAY Rochester, GBR, could be from any retail shop, restaurant or cafe anywhere in the UK. All legit, just confusing.

jo on January 16, 2020

Thanks to this website, I was reminded that mine was also for lunch at Hearing Dogs for the Deaf Cafe in Saunderton - would be v.v.v. helpful if there was some form of recognition on your statement

Jeff on March 10, 2020

Payment system for cafe at University of Edinburgh - legit

Dhan Kunwar on May 31, 2020

I just realised that this appears as upay Lt when I buy food from our site canteen. It is legitimate payment for me.

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