Merchant Services
Receive payments from your customers

Offer your customers an easier way to pay

We provide solutions for our customers to take payments in many differing business environments. Ranging from in person, on the phone and online – we enable our customers to take payments more quickly than cheques, more secure than cash, and more cost effective than either banked cash or cheques.

A physical payment terminal can come in many sizes and shapes they boil down to 3 types. Option one as a typical corded payment terminal. Option two is a cable-less Bluetooth terminal enabling further distance from the base station. Option 3 is a GPRS terminal running via the mobile data network enabling you to take wherever there is signal – great for when you’re away from the business premisis.

Not all businesses need a physical terminal however. We support virtual terminals giving you capability to take manual payments over the phone with ease and also integrated e-commerce payment solutions via an online gateway.

The Market Size

  • Of the 4.5 million businesses in the UK, 950,000 of them are authorised merchants with 1.2 million physical terminals in operation.
  • The average amount of cards that a cardholder has is 1.8 for debit and 1.9 for credit.
  • Card fraud is on the decrease with the total UK fraud down from £535.2m in 2007 to £341.0m in 2011.
  • The number of payments by cheque has decreased by 42% in the past 5 years with a further decline of 40% expected over the next 5 years. The majority of these payments have switched to card.

5 things you probably don’t know about accepting card payments

1. Accepting card payments is cheaper than accepting cheques and cash. *
2. If you already have card processing and bought the services through
your bank they probably have nothing to do with operating them.
3. 70% of consumers prefer to pay by card. **
4. 120 million opportunities to sell are lost per year by those who
don’t accept cards. **

* Average price to bank a cheque across HSBC, Barclays and Natwest based on their standard business tariff is 29p, £100 of cash is 59p.
** Based on a Judo survey May 2013.
*** Assuming best practice is followed and you are PCI compliant.

3 Reasons why you should consider taking online payments

  • By offering payments obline businesses will have access to customers on a global level
  • No hassle, quick and easy payment with a simple easy to use system
  • Security – Online payments are one of the most secure forms of payment and protects your customers against fraud and ID theft

Submit an application for a new service or a 15% saving on existing service