Accept Card Payments today offers free independent impartial advice to help you find the bespoke card payment solution for your business.

Need help finding the right card payment provider?

Start accepting card payments today! Find the tailored card payment solution that is right for your business. Compare Merchant Services and Start Accepting Card Payments. Offer your customers an easy and convenient way of paying. ACP is a reliable, fast, and efficient card payment solution provider.

So how do Accept Card Payments do this?

Simply we put our customers at the centre of everything we do. We will of course make you aware of the advantages that a card payment process can bring to your business but, we will also cover the disadvantages so you can make an informed decision.

We will help you consider different plans suitable for your needs.

The card processing rates are of course important, but equally important is the customer service that you receive, ACP aim to bring you the best of both.

The service that you receive in relation to your payment process must make things easier for you and for your customers.

If a customer walks into your business and are physically using the payment terminal, then your requirements will differ to a business that operates primarily on line or over the telephone. We will find the right card payment choice for you.

Could your business benefit from accepting card payments?

Does your business offer card payment facilities?
If the answer is NO, you should consider reading the UK Card Payments Summary 2016 by The UK Cards Association. Payments by card are on the constant rise due to the increased amount of cards in circulation. 78% of UK spending during 2016 was paid by card.

The real question is, can your business afford to not offer a card payment facility?
Many businesses are unsure on whether to offer card payment facilities, due to the limited knowledge of accepting card payments and are unsure of what fees are involved.

ACP can offer you free impartial advice to finding the right card payment facility for your business. We will advise you of the best merchant account, with the best rates that are available to your business.

Card Payment Blog

Understanding Merchant accounts

The payments business is highly competitive, and processors obviously want your business – but they still need to do their due diligence before approving your application.

What is a merchant account?

A merchant account is a special kind of bank account that exists for the purpose of holding funds captured from credit and debit card sales.

What is a payment gateway?

When processing a credit card transaction, information needs to be sent somewhere to see if the cardholder has sufficient funds to pay for the sale. The card machine terminal takes the cardholder data, formats it and sends it to Visa or MasterCard to see if the customer has sufficient funds.

In an ecommerce transaction the service takes place online via a payment gateway. The payment gateway receives transaction requests If they have enough cash, the transaction is authorized and the funds are transferred from the cardholder into the merchant account.

What is a payment processor?

In industry terms, the payment processor is the services that a payment gateway sends transaction requests to. The payment processor then handles the transaction request and sends the authorization and settlement files from Visa and MasterCard.

Why do I need to apply to get a merchant account?

Broken down to its most basic core, the reason you must apply and be approved in order to get a merchant account is because they have the potential to lose money every time they process a credit card transaction on behalf of your business.

A secret weapon to ensure approval

There is no magic phrase or secret handshake that will get you through the door of any processor. However, the most obvious strategy is also the one that is most often overlooked: Explain what you’re doing in plain English.

What if my merchant account is declined?

What should you do if you’ve done everything you can and you have still been declined? First of all, remember that some processors are more lenient and willing to listen than others. If you’ve received a decline you should consider contacting ACP, to see what can be done and remember there are more than one provider and, all have different criteria.

Your Accept Card Payments representative is the best tool you have access to ahead of submitting your application.

Ask questions about approval be honest with your expectations and if you have concerns highlight them upfront.

Is it time for you to start accepting card payments?

The answer is more than likely yes

In this day and age, every business must make it as easy as possible for people to make payment. We have all seen people walk away because no cash or a copy does not take cards. Arranging for you to be able to accept Card payments has never been easier. Fewer and fewer companies are now cash only sales and, people’s expectations is that they will be able to pay by card and that your business will accept card payments.

Accepting card payments has never been easier or quicker to arrange.

With a few question about your existing set up and your requirements a system can be put into action that will be quick, easy and affordable

To a customer, having to divulge their bank information for a large purchase is both time consuming and annoying and with changing times not everybody will know there details. If your small business is accepting Card payments, it is better for all concerned, encouraging a customer to return is key, making there transaction quick and easy just adds to the feel of good customer service.

How to Set It Up
If you are not currently accepting card payments then there is a simple process to follow. The process is quick and most financial institutions will approve a basic form of merchant account in a few working days. This will allow the business to accept card payments via cards such as Visa and Mastercard,

When making the application think about the type of service you want to give, who will be you customers, what will the maximum and minimum value of a standard transaction? How many card transactions in an average day.

Think about your customer who they are and what they need.

When applying for a merchant account give as much information as possible, give the correct information. Get it right at this stage and the whole process will be quicker and easier. Card payment applications means that the business applying will have to show certain criteria that will help the provider make a decision of the type of business and the risks involved.

What is needed to run the application?

Depending on your requirement the software and, hardware might differ. This will depend on many different factors such as: Will you be taking payment with the customer present or, will a customer not present process be needed. There can be a mix of both but, take time to think what a realistic percentage of each might be. The percentage does not have to be 100% correct but the more accurate the better and, the percentage might affect the rate you will be charged. If website payments them again there is a different route needed.

The company arranging the merchant account for you will be able to help and give advice. They can also arrange any and all equipment needed to ensure that the payment process can be set up correctly

What else can be explored in relation to card payments?

Different companies will offer different rates. Don’t just think about the percentage being offered on transaction. Look at the monthly fee charged. Is there a cost per transaction and what the minimal cost of these is and how many transactions are you allowed before you possibly have to pay a higher rate? Equipment charges / rental and length of contact also needs to be taken into consideration
Should the business not wish to go through their direct financial institute, then there are other ways of being able to accept Card payments. That particular business can then apply to use a third-party company, such as PayPal. The forms are much the same, but the terms can be quite different.

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