No junk mail. No spam calls. Free Quotes
Credit Card Processing Quotes
- Get the latest and most competitive card processing offers
- Preferential rates direct from UK’s leading acquiring banks
- Bespoke and competitive quotations to suit your business
- Avoid lead generation websites and pushy call centres
Answer a few simple questions and we’ll do the rest! FREE and No Obligation.
Step 1
Enquiry Form
Book a telephone call or complete the enquiry form above. Please note we don’t share any information with third parties without your consent nor do we bombard you with spam emails.
Step 2
5 Minute call
We need to understand your business requirements before we can give you accurate information to help you compare offers and payment providers that are best suited for your card payment needs.
Step 3
Get Competitive Quotes
You will receive various competitive quotes, directly from tried trusted and approved payment providers plus an independent opinion from one of our payment experts.
It’s Fast and Simple
Informative
Established in 2012, comparing card payment providers is all we do. Get a free and independent opinion from the experts on the best routes to take in a confusing and complex market.
Independent
We are not credit card processor brokers, nor are we tied to any particular payment provider or merchant account provider other than those who consistently offer the keenest rates and the most reliable after-sales service.
Trustworthy
We are rated as “Excellent” on Trustpilot for the free service that we offer to thousands of businesses aiming to keep their credit card payments costs to a minimum.
Competitive
We’re rated Excellent on
100% recommended
Brilliant 5 Star Company
Couldn't have been better!
Professional and Competitive
Comparing Card Payment Providers Is All We Do
Get the information you need to make an informed decision on your choice of payment provider.
Over the last 10 years our unique and hassle-free service has helped thousands of start-up businesses to multi million-pound businesses independently compare the UK’s leading card payment providers, their offers and after sales service.
With over a billion pounds of card payments processed every year by tried, and trusted, payment providers, benefit from preferred terms and get the best offers currently available.
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Lowest Rates
With rates as low as 0.26% and even lower on certain card types. Just complete the form and we will be in touch with all the information you need to make the right choice of provider.
Benefit from our expert knowledge of the card payment industry, to ensure you obtain the best rates by tried, trusted, and approved payment providers, and ensure they keep these rates low indefinitely.
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Avoid Lead Generation Websites
The web is awash with lead generation websites that claim to compare rates but in fact just sell your contact details to providers willing to pay for your enquiry.
Your phone will not stop ringing with call centres, sales agents and of course, the hard sell leaving you no time to read the small print.
We help you compare the offers and make an informed decision on the provider of your choice.
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Back-up After Sales Support
Most payment providers have a habit of increasing charges mid contract or have additional charges in the small print.
We expect all our approved providers to be competitive and fair during your agreement with them. For your peace of mind, we are always one instant call away to step in and help resolve any issues you may have.
Epos Integrated Payment Solutions
Need a merchant account that’s compatible with your current EPOS system? We have payment providers that work with many types of EPOS solutions so you don’t neccessarily need to change EPOS system.
High Risk Sectors
Is your business in a high risk business sector and been declined by a mainstream payment provider? We have successfully placed many merchants with specialist payment providers and on keen rates too.
Dissatisfied With Your Current Payment Provider
Is your provider changes its terms and conditions, pricing, or settlement terms? We will have an alternative provider that in most cases will tick all the boxes.
Merchant Processing Services Made Fast and Simple
Our unique and free service is designed to help you seamlessly compare and select the best independent merchant services or credit card processor available in the United Kingdom. With Independent Merchant Services, you can quickly and securely find the most competitive and reliable providers, thereby avoiding never-ending spam emails, incessant phone calls, and pushy salesmen.
We offer truly independent comparisons of card payment providers, ensuring you get unbiased advice. Unlike other services, we are not tied to any single merchant services provider or merchant account provider, allowing us to focus solely on finding the best deal for your own business. Our commitment is to help you navigate the complex world of credit card processing with ease and confidence.
Our clients process over a billion pounds of card payments each year with many of the UK’s leading payment providers. Use our muscle to get the best deal that suits your business. Whether you’re a startup or an established enterprise, we have the expertise to assist you in finding the most cost-effective solutions.
Understanding Credit Card Processing Fees
Credit card processing fees are the charges that businesses pay to accept credit card payments. These fees can include transaction fees, monthly fees, and other costs imposed by major payment processors and acquiring banks. Understanding these fees is crucial for any business looking to accept payments via card payments.
These credit card fees are typically a combination of:
Interchange Fees: Set by the card networks like Visa and Mastercard.
Assessment Fees: Charged by the card networks for using their networks.
Processor’s Markup: Fees charged by your payment processor for facilitating the transaction.
By understanding each component, businesses can take steps to minimize costs.
Types of Processing Fees
Card Processing Fees: Costs associated with processing credit card and debit card transactions.
Monthly Fees: Regular charges for maintaining your merchant account, which may include statements, customer support, and account maintenance.
Transaction Fees: Fees charged per credit card transaction processed, encompassing interchange and assessment fees.
Batch Fees: Small fees charged when you settle your daily transactions.
PCI Compliance Fees: Charges for maintaining compliance with the Payment Card Industry Data Security Standards.
Chargeback Fees: Fees applied when a customer disputes a transaction.
By comprehending the various fees involved, businesses can better manage their expenses and improve profitability. We help you navigate these complexities to find the most cost-effective solutions.
How We Help You Save on Card Processing Fees
We work with a network of payment processors to help you reduce your credit card processing fees. By comparing offers from various payment providers, we ensure you get the best deal, potentially achieving huge cost savings for your business. Our goal is to help you control costs and maximize your profits by choosing the best payment processors or switching card suppliers.
We analyse your transaction data to identify the most suitable pricing model, whether it’s interchange-plus, flat-rate, or tiered pricing. This personalized approach ensures that you’re not overpaying for services you don’t need.
Our service helps you understand all the fees involved, including any minimum monthly service charges or termination penalties. This transparency allows you to make an informed decision and avoid unexpected expenses. We help you independently review contractual terms, ensuring there are no surprises down the line.
We believe in honesty and clarity. By carefully examining all contractual details, we protect you from hidden fees like:
Early termination penalties
Non-qualified transaction surcharges
Annual fees
Statement fees
Payment Provider
Thanks to our long-established relationships with leading payment providers, we can negotiate better terms and cost savings on your behalf. Our connections with mainstream acquiring banks enable us to secure preferential rates that might not be available elsewhere.
Our partnerships allow us to offer you:
Exclusive discounts
Customized solutions
Priority support
What Happens Next
1. Brief Discovery Call
We start with a brief discovery call to understand your business needs and current payment processing setup. This helps us tailor our recommendations to your specific requirements. Whether you’re a small business or a large enterprise, we take the time to get to know your operations.
During this call, we’ll discuss:
Your average transaction size
Monthly processing volume
Types of cards you accept
Current challenges and goals
2. Compare Providers
Next, we compare offers from multiple merchant service providers, focusing on those with the most competitive processing fees and reliable customer support teams. Our aim is to find the best fit for your unique needs.
We evaluate providers based on:
Fee structures
Contract terms
Equipment options
Integration capabilities
Industry reputation
3. Get Competitive Quotes
You will receive various competitive quotes directly from tried, trusted, and approved providers, plus an independent opinion from one of our payment experts. This allows you to make an informed decision without any pressure.
Our quotes include:
Detailed breakdowns of all costs, so you can compare apples to apples. We also provide insights into each provider’s strengths and potential drawbacks.
4. Seamless Setup
Once you’ve chosen a payment provider, we assist you in setting up your merchant account and integrating any necessary credit card machines or virtual terminal solutions. Our support continues until you’re fully operational.
We coordinate with the provider to ensure:
Quick approval of your merchant account
Delivery and installation of equipment
Staff training on new systems
Ongoing support and troubleshooting
The Benefits of Accepting Credit Card and Debit Cards
In today’s digital economy, accepting credit and debit cards is essential for businesses of all sizes. Customers expect the convenience of credit card payments and debit card transactions, whether they’re shopping online or in-store. By enabling your business to accept payments via credit card and debit card, you can increase sales and customer satisfaction.
Benefits include:
Increased Sales: Customers are more likely to make impulse purchases when they can pay with cards.
Improved Cash Flow: Faster access to funds compared to waiting for invoice payments.
Customer Convenience: Offering multiple channels enhances the shopping experience.
Competitive Advantage: Stay ahead of competitors who may not accept card payments.
Accepting multiple payment methods like contactless payments, Apple, and online transactions broadens your customer base. We help you set up systems that make it easy for customers to do business with you.
Types of Credit Card Processing Solutions
Card Machines and Virtual Terminal
We offer assistance with setting up credit card machines and virtual terminals, allowing you to process card transactions securely and efficiently. Whether you need countertop terminals, mobile solutions, or integrated POS systems, we can help you find the right equipment.
Options include:
EMV Chip Readers: Enhance security by accepting chip-enabled cards.
Contactless Terminals: Accept payments via NFC technology like Apple Pay and Google Pay.
Mobile Card Readers: Process payments on-the-go using smartphones or tablets.
Integrated POS Systems: Combine sales, inventory, and customer management in one system.
Online Payment Gateways
For businesses operating online, we can help integrate an existing payment gateway or set up a new one, ensuring smooth credit card processing for your e-commerce platform. Secure and user-friendly online payment options are crucial for maximizing online sales.
We support:
Shopping Cart Integration: Seamless checkout experiences for your customers card payment.
Recurring Billing: Automate recurring payments for subscriptions or memberships.
Fraud Detection Tools: Protect your business with advanced security features.
Recurring and Deferred Payments
If your business model requires recurring payments or offers deferred payments, we can assist in setting up systems that handle these types of credit card transactions efficiently. This is particularly beneficial for subscription-based services or installment plans.
Benefits include:
Automated Billing: Reduce manual invoicing efforts.
Improved Cash Flow Predictability: Anticipate revenue streams.
Enhanced Customer Experience: Provide flexible payment options.
Tips for Reducing Credit Card Processing Fees
We can help you compare preferential rates and negotiate with providers to lower your processing fees and transaction fees. Our expertise and industry knowledge empower you to get the best possible terms.
Strategies include:
Bundling Services: Combine multiple services for better rates.
Volume Discounts: Leverage higher transaction volumes for reduced fees.
Assessing Fee Structures: Choose the model that best fits your transaction patterns.
By thoroughly reviewing the terms and conditions, we help you avoid unexpected charges like termination penalties or excessive monthly fees. Transparency is key to maintaining a healthy financial position.
Common hidden fees to watch out for:
Early Termination Fees: Costs for ending a contract prematurely.
Non-Compliance Fees: Penalties for failing to meet PCI compliance.
Inflated Equipment Costs: Overpriced terminals or mandatory leasing agreements.
Implementing security measures like the Address Verification System (AVS) can reduce the risk of fraudulent transactions, which can lead to lower credit card processing fees. Secure transactions also enhance customer trust.
Additional security measures:
Card Verification Value (CVV): Require the CVV code for online transactions.
Tokenization: Replace sensitive data with tokens during transactions.
Encryption: Protect data in transit and at rest.
Understanding High-Risk Industries
Certain industries are considered high-risk by merchant account providers, which can lead to higher payment processing fees. Businesses involved in sectors like online auctions, events, adult entertainment, timeshares, lodging, and debt management may face challenges in finding a suitable payment processor.
We can help businesses in high-risk sectors find suitable high-risk providers that offer competitive rates. Our network includes providers experienced in handling the unique needs of these industries.
Services for high-risk businesses include:
Customized Solutions: Tailored to your specific risk profile.
Risk Management Tools: Minimize chargebacks and fraud.
Flexible Contract Terms: Accommodate the unique aspects of your business model.
Why Switch Providers?
Cost Savings
Switching to a new payment processor can result in significant reductions in your credit card processing fees. We help you find providers with lower transaction fees and better terms, potentially saving your business thousands of pounds annually.
Case studies show that businesses can save:
Up to 50% on processing fees.
Reduced Monthly Costs: By eliminating unnecessary services.
Better Exchange Rates: For international transactions.
Improved Technology
Modern payment processors offer advanced features like contactless payments, Apple Pay, and support for various payment types as well as the usual credit card payments. Upgrading your systems can enhance customer experience and streamline operations.
Benefits include:
Faster Transactions: Reduce checkout times.
Enhanced Reporting: Better insights into sales data.
Omni-Channel Support: Unified experience across in-store and online platforms.
Better Support
Excellent customer service is vital. We help you find mainstream card payment providers with responsive customer support teams that can assist you promptly, minimizing downtime and ensuring smooth transactions.
Look for providers that offer:
24/7 Support: Immediate assistance when you need it.
Dedicated Account Managers: Personalized service.
Comprehensive Training: For your staff on new systems.
Security and Compliance
We ensure that your payment processing on credit card transactions systems comply with industry standards to protect against fraudulent transactions and data breaches. Compliance with PCI DSS (Payment Card Industry Data Security Standard) is essential.
We assist with:
Security Assessments: Identify vulnerabilities in your systems.
Compliance Certification: Guide you through the PCI compliance process.
Ongoing Monitoring: Keep your security measures up-to-date.
Implementing the Address Verification System helps in verifying the cardholder’s billing address with the issuing bank. This reduces the risk of fraud and chargebacks, potentially lowering your processing fees.
AVS benefits:
Fraud Prevention: Detect suspicious transactions.
Chargeback Reduction: Minimize disputes and associated costs.
Enhanced Trust: Build confidence with customers and banks.
Frequently Asked Questions
What is a Merchant Account?
A merchant account is a type of bank account that allows your business to accept credit and debit cards as payment. It acts as an agreement between you, your bank, and the payment processor to settle transactions.
How Can I Reduce Card Processing Fees?
By comparing offers from different card processing companies, you can find lower transaction fees and better terms. Our service helps you find the best rates without the hassle.
We can help set up contactless payments, including Apple Pay, ensuring your customers have multiple payment channels for convenience.
What Are Transaction Fees?
Transaction fees are charges applied each time a customer makes a purchase using a credit card or debit card. These fees typically consist of a percentage of the sale plus a fixed amount.
Can I Use My Current Payment Gateway?
Yes, we can assist in integrating your existing payment gateway with new merchant services if compatible, or help you find a suitable alternative.
Our Commitment to Your Success
Our customer support team is dedicated to providing an extremely helpful service. We aim to make the process as smooth as possible, from the initial discovery call to the setup of your merchant account. Our clients often commend us for our personalized approach.
We offer:
Tailored Solutions: Customized to your business needs.
Ongoing Support: Assistance even after setup is complete.
Educational Resources: Stay informed about industry trends.
Our review process includes:
Detailed Analysis: Line-by-line examination of contracts.
Risk Assessment: Identify potential pitfalls.
Negotiation Support: Advocate on your behalf for better terms.
Accept Payments Easily
With our assistance, you can accept payments via multiple payment channels, including in-store, online, and mobile, providing convenience to your customers. Enhancing the customer experience can lead to increased loyalty and sales when you choose the best merchant services provider.
Independent Merchant Services is your trusted partner in navigating the complex world of credit card processing. Let us help you find the best solutions to process payments efficiently and securely.
Our expertise covers:
Merchant Accounts
Payment Gateways
Point-of-Sale Systems
E-commerce Integration
Security Compliance
Credit Card Machines
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Control Costs and Grow Your Business
We help you control costs by reducing your card processing fees and transaction fees, allowing you to invest more in your business growth. Efficient payment processing is not just a necessity but a strategic advantage for enterprise or small business.
By optimizing your payment solutions, you can:
Expand Operations: Reinvest savings into new locations or products.
Enhance Marketing Efforts: Allocate more budget to attract customers.
Improve Profit Margins: Increase your bottom line.
Don’t let high processing fees eat into your profits. Contact us now for a free, no-obligation consultation and take the first step towards significant cost savings and competitive rates.
Independently Reviewed Contractual Terms
We help you independently review contractual terms, ensuring you’re fully aware of all obligations and can avoid any hidden fees. Transparency and honesty are at the core of our services.
Our clients’ success stories reflect our commitment to excellence and customer satisfaction.
No junk mail. No spam calls. Free Quotes
Get Started Today
With just one phone call, you can start the process of reducing your credit card processing fees and improving your bottom line. Our team is ready to assist you.