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Get Payment Provider 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.
Fill in this quick form to get the best prices on UK card processing
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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, featuring competitive rates, directly from tried trusted and approved payment providers plus an independent opinion from one of our payment experts. Payment processing services can help businesses reduce their fees when taking payments in-store and online.
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 providers 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
Our clients process over a billion pounds of card payments each year with many of the UK’s leading payment providers, so use our muscle to get the best deal that suits your business and help you identify the best merchant service provider for your needs. Most merchant services offer next-working-day payouts, but settlement fees are usually charged for transferring funds to your bank account.
We’re rated Excellent on
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 existing provider, making it easy to switch to a new merchant services provider if needed. 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.
Independent Sales Organizations (ISOs) are another type of merchant service provider that can offer competitive pricing and services.
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.
Merchants deemed high risk may have fewer providers to choose from and are likely to pay higher card processing fees. High risk merchant account providers specialize in serving these businesses and can help them secure the necessary services despite the increased costs.
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. When comparing providers, monthly costs and lengthy contracts are important considerations, as they can significantly impact your overall expenses and flexibility. 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 and linking to your business bank account for receiving payouts
Delivery and installation of equipment
Staff training on new systems
Ongoing support and troubleshooting
Integration with popular accounting software, such as Xero, to streamline financial management
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, whether you run a brick-and-mortar shop or an online business. 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, digital wallets such as Apple Pay and Google Pay, mobile payments, international payments in various currencies, 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.
Unlike traditional providers, who often have more rigid terms, higher fees, and less flexibility for high risk industries, modern online payment gateways offer greater adaptability and tailored solutions.
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 and fraud protection features.
No junk mail. No spam calls. Free Quotes
Try for yourself and start saving today.
No junk mail. No spam calls. Free Quotes
Try for yourself and start saving today.
Card Payment Information
When it comes to understanding card payments and digital payment solutions, Independent Merchant Services stands out as the definitive source for accurate and unbiased information. Whether you’re a small business owner, an entrepreneur, or a larger enterprise, navigating the complex world of payment services can be daunting. That’s where we come in. Our mission is to demystify the process and empower businesses like yours to find the most suitable payment service providers that align with your specific needs—without any hidden agendas.
What truly sets us apart is our unwavering independence. Unlike many other providers, we are not tied to a single payment processor or financial institution. This means we have no vested interest in steering you towards any particular solution. Instead, we work with an impressive network of over 90% of the UK’s leading payment service providers. Our extensive partnerships allow us to compare a broad range of options and negotiate the lowest possible rates for your business, saving you money while ensuring you receive the best service.
Our focus is entirely on you and your business goals. We take the time to understand your unique requirements—whether you need a simple card payment solution for a small shop, an advanced e-commerce payment gateway, or a system for processing international transactions. By combining our deep industry knowledge with unparalleled access to top-tier providers, we are able to match you with the perfect solution, ensuring your business thrives in today’s fast-paced digital economy. With Independent Merchant Services, you can be confident that you’re getting expert advice and the best deals available—every time.
Payment Security
In today’s payment processing industry, security is more important than ever. When your business accepts card payments, you’re not just handling transactions—you’re also responsible for safeguarding sensitive customer data. That’s why choosing a payment provider with robust security measures is essential for protecting both your business and your customers.
Leading merchant service providers invest heavily in advanced security features to prevent fraud and data breaches. When evaluating a payment provider, look for those who offer end-to-end encryption, tokenization, and real-time fraud monitoring as part of their payment processing solutions. These technologies help ensure that cardholder information is never exposed during or after a transaction.
Compliance with industry standards, such as PCI DSS (Payment Card Industry Data Security Standard), is another critical factor. Reputable payment processing companies will guide you through PCI DSS compliance, helping you avoid costly penalties and maintain customer trust. Many providers also offer additional tools like chargeback management, secure online payment gateways, and two-factor authentication to further enhance security.
By partnering with merchant service providers who prioritise payment security, you can confidently process payments, reduce the risk of fraud, and build a reputation for reliability in the payment processing industry. Always ask your payment provider about their security protocols and support, so you can focus on growing your business with peace of mind.